TokenBank bahasa Indonesia · Pinjaman stablecoin
Di mana bunga meminjamkan USDC atau USDT paling tinggi?
Ringkasan
Data kami mencatat 287 pasar pinjaman stablecoin di 26 blockchain. Tertinggi: Accountable — USDC lending (Earn ACC Points) sebesar 14.82%, kisaran 0.0%–14.8%, median 4.9%. Tingkat bunga berubah setiap jam dan tidak dijamin; dalam dolar, sehingga ada risiko kurs terhadap rupiah.
Di pasar pinjaman DeFi, Anda menyetor stablecoin dan peminjam membayar bunga. Tingkatnya variabel: naik saat permintaan pinjaman tinggi dan turun saat sepi. Sebagian angka sudah termasuk poin atau token hadiah yang nilainya tidak pasti. Risiko utamanya adalah kontrak pintar, oracle, dan likuidasi jaminan yang gagal.
Data per 2026-11-11 · Bukan saran investasi. Penerbit yang menentukan siapa yang boleh membeli. · English
Menampilkan 50 dari 287 · semuanya tersedia di API terbuka
| Token | Penerbit | Imbal hasil | Minimum | Blockchain | Status |
|---|---|---|---|---|---|
| Accountable — USDC lending (Earn ACC Points) on Monad DL-ACCOUNTABLE-USDC-MONAD-5935 | Accountable (protocol) | 14.82% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Monad | aktif |
| Euler V2 — USDC lending (Clearstar Earn USDC) on Monad DL-EULERV2-USDC-MONAD | Euler V2 (protocol) | 14.67% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Monad | aktif |
| 3Jane Lending — SUSD3 lending on Ethereum DL-3JANELENDING-SUSD3-ETHEREUM | 3Jane Lending (protocol) | 14.25% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Ethereum | aktif |
| Loopscale Lending — USD.INFRA lending on Solana DL-LOOPSCALELENDING-USDINFRA-SOLANA | Loopscale Lending (protocol) | 12.66% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Solana | aktif |
| Accountable — USDC lending on Ethereum DL-ACCOUNTABLE-USDC-ETHEREUM-0E00 | Accountable (protocol) | 12.13% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Ethereum | aktif |
| Accountable — USDC lending on Monad DL-ACCOUNTABLE-USDC-MONAD-D0B9 | Accountable (protocol) | 12.01% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Monad | aktif |
| Accountable — USDC lending on Ethereum DL-ACCOUNTABLE-USDC-ETHEREUM-3889 | Accountable (protocol) | 11.32% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Ethereum | aktif |
| Resupply — CRVUSD lending (Curvelend - WBTC collateral) on Ethereum DL-RESUPPLY-CRVUSD-ETHEREUM-15A3 | Resupply (protocol) | 10.98% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Ethereum | aktif |
| Morpho Blue — FCUSDT lending on Ethereum DL-MORPHOBLUE-FCUSDT-ETHEREUM | Morpho Blue (protocol) | 10.78% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Ethereum | aktif |
| Accountable — USDC lending (Earn ACC Points) on Monad DL-ACCOUNTABLE-USDC-MONAD-1A9C | Accountable (protocol) | 10.7% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Monad | aktif |
| Dolomite — USDC lending on Ethereum DL-DOLOMITE-USDC-ETHEREUM | Dolomite (protocol) | 10.63% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Ethereum | aktif |
| Pareto Credit — USDC lending (Bastion) on Ethereum DL-PARETOCREDIT-USDC-ETHEREUM-131F | Pareto Credit (protocol) | 10.59% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Ethereum | aktif |
| Rhea Lend — USDC lending on Near DL-RHEALEND-USDC-NEAR | Rhea Lend (protocol) | 10.43% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Near | aktif |
| Morpho Blue — SKYMONEYUSDCRISKCAPITAL lending on Ethereum DL-MORPHOBLUE-SKYMONEYUSDCRISKCAPITAL-ETHEREUM | Morpho Blue (protocol) | 10.11% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Ethereum | aktif |
| Pareto Credit — USDC lending (Adaptive Frontier) on Ethereum DL-PARETOCREDIT-USDC-ETHEREUM-33C3 | Pareto Credit (protocol) | 9.38% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Ethereum | aktif |
| Morpho Blue — NOONECOUSDC lending on Base DL-MORPHOBLUE-NOONECOUSDC-BASE | Morpho Blue (protocol) | 9.34% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Base | aktif |
| Morpho Blue — GPYUSDSE lending on Stable DL-MORPHOBLUE-GPYUSDSE-STABLE | Morpho Blue (protocol) | 9.01% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Stable | aktif |
| Dolomite — USD1 lending on Ethereum DL-DOLOMITE-USD1-ETHEREUM | Dolomite (protocol) | 8.39% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Ethereum | aktif |
| Rhea Lend — USDT lending on Near DL-RHEALEND-USDT-NEAR | Rhea Lend (protocol) | 8.36% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Near | aktif |
| Morpho Blue — HYPERUSDCA lending on Monad DL-MORPHOBLUE-HYPERUSDCA-MONAD | Morpho Blue (protocol) | 8.32% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Monad | aktif |
| Morpho Blue — M1USDC lending on Ethereum DL-MORPHOBLUE-M1USDC-ETHEREUM | Morpho Blue (protocol) | 8.31% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Ethereum | aktif |
| Kamino Lend — USDC lending (Plume x Re7 USDC) on Solana DL-KAMINOLEND-USDC-SOLANA-0BA9 | Kamino Lend (protocol) | 8.27% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Solana | aktif |
| Morpho Blue — Y10KAUSD lending on Monad DL-MORPHOBLUE-Y10KAUSD-MONAD | Morpho Blue (protocol) | 8.17% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Monad | aktif |
| Morpho Blue — RESERVOIRUSDC lending on Ethereum DL-MORPHOBLUE-RESERVOIRUSDC-ETHEREUM | Morpho Blue (protocol) | 8.12% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Ethereum | aktif |
| Pareto Credit — USDC lending (FalconX) on Ethereum DL-PARETOCREDIT-USDC-ETHEREUM-2EB2 | Pareto Credit (protocol) | 8.07% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Ethereum | aktif |
| Morpho Blue — ROXCUSDC lending on Ethereum DL-MORPHOBLUE-ROXCUSDC-ETHEREUM | Morpho Blue (protocol) | 8.05% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Ethereum | aktif |
| Morpho Blue — AUGUSTUSDCV2 lending on Monad DL-MORPHOBLUE-AUGUSTUSDCV2-MONAD | Morpho Blue (protocol) | 8.03% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Monad | aktif |
| Sky Lending — STUSDS lending (Expert Mode) on Ethereum DL-SKYLENDING-STUSDS-ETHEREUM | Sky Lending (protocol) | 7.98% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Ethereum | aktif |
| Morpho Blue — FEUSDCV2 lending on Hyperliquid L1 DL-MORPHOBLUE-FEUSDCV2-HYPERLIQUIDL1 | Morpho Blue (protocol) | 7.92% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Hyperliquid L1 | aktif |
| Morpho Blue — ROXUSDCY lending on Ethereum DL-MORPHOBLUE-ROXUSDCY-ETHEREUM | Morpho Blue (protocol) | 7.87% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Ethereum | aktif |
| Kamino Lend — USDG lending (Steakhouse USDG High Yield) on Solana DL-KAMINOLEND-USDG-SOLANA-C21A | Kamino Lend (protocol) | 7.83% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Solana | aktif |
| Accountable — AUSD lending on Monad DL-ACCOUNTABLE-AUSD-MONAD-06C8 | Accountable (protocol) | 7.8% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Monad | aktif |
| Kamino Lend — USDC lending (Kamino Institutional Commodity Yield) on Solana DL-KAMINOLEND-USDC-SOLANA-6D68 | Kamino Lend (protocol) | 7.78% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Solana | aktif |
| Morpho Blue — PENDLEUSDCHY lending on Ethereum DL-MORPHOBLUE-PENDLEUSDCHY-ETHEREUM | Morpho Blue (protocol) | 7.78% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Ethereum | aktif |
| Morpho Blue — SATUSDC lending on Monad DL-MORPHOBLUE-SATUSDC-MONAD | Morpho Blue (protocol) | 7.67% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Monad | aktif |
| Kamino Lend — USDC lending (Kamino Institutional USDC) on Solana DL-KAMINOLEND-USDC-SOLANA-513E | Kamino Lend (protocol) | 7.6% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Solana | aktif |
| Lista Lending — USDC lending on BSC DL-LISTALENDING-USDC-BSC | Lista Lending (protocol) | 7.59% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | BSC | aktif |
| Accountable — USDC lending (Earn ACC Points) on Monad DL-ACCOUNTABLE-USDC-MONAD-313B | Accountable (protocol) | 7.49% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Monad | aktif |
| Benqi Lending — USDC lending on Avalanche DL-BENQILENDING-USDC-AVALANCHE | Benqi Lending (protocol) | 7.4% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Avalanche | aktif |
| Fluid Lending — GHO lending on Plasma DL-FLUIDLENDING-GHO-PLASMA | Fluid Lending (protocol) | 7.4% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Plasma | aktif |
| Morpho Blue — KABUUSDC lending on Ethereum DL-MORPHOBLUE-KABUUSDC-ETHEREUM | Morpho Blue (protocol) | 7.4% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Ethereum | aktif |
| Morpho Blue — APYXUSDC lending on Ethereum DL-MORPHOBLUE-APYXUSDC-ETHEREUM | Morpho Blue (protocol) | 7.36% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Ethereum | aktif |
| Morpho Blue — BBQUSDG lending on Arbitrum DL-MORPHOBLUE-BBQUSDG-ARBITRUM | Morpho Blue (protocol) | 7.2% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Arbitrum | aktif |
| Morpho Blue — GTUSDGP lending on Arbitrum DL-MORPHOBLUE-GTUSDGP-ARBITRUM | Morpho Blue (protocol) | 7.19% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Arbitrum | aktif |
| Accountable — AUSD lending on Monad DL-ACCOUNTABLE-AUSD-MONAD-6E69 | Accountable (protocol) | 7.14% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Monad | aktif |
| Morpho Blue — STEAKUSDG lending on Robinhood Chain DL-MORPHOBLUE-STEAKUSDG-ROBINHOODCHAIN | Morpho Blue (protocol) | 7.09% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Robinhood Chain | aktif |
| Current — USDC lending (MainMarket) on Sui DL-CURRENT-USDC-SUI | Current (protocol) | 7.06% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Sui | aktif |
| Morpho Blue — ARMUSDTS lending on Ethereum DL-MORPHOBLUE-ARMUSDTS-ETHEREUM | Morpho Blue (protocol) | 6.98% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Ethereum | aktif |
| Morpho Blue — CSUSDCCORE lending on Ethereum DL-MORPHOBLUE-CSUSDCCORE-ETHEREUM | Morpho Blue (protocol) | 6.97% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Ethereum | aktif |
| Morpho Blue — APYXAPXUSD lending on Ethereum DL-MORPHOBLUE-APYXAPXUSD-ETHEREUM | Morpho Blue (protocol) | 6.87% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Ethereum | aktif |
Pertanyaan umum
Mengapa satu pasar menawarkan bunga jauh lebih tinggi?
Biasanya karena hadiah token tambahan, pasar yang kecil, atau jaminan peminjam yang lebih berisiko. Tingkat tinggi sering tidak bertahan lama.
Apakah dana saya dijamin?
Tidak. Ini bukan simpanan bank. Celah kontrak pintar atau kegagalan likuidasi bisa menyebabkan kerugian.
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