TokenBank 简体中文 · 稳定币借贷
在 DeFi 出借 USDC、USDT 的利率是多少？
要点
我们的数据中有288个稳定币借贷市场，最高为Accountable — USDC lending (Earn ACC Points)的14.38%，中位数4.8%，覆盖Monad、Ethereum、Avalanche、Solana、Near、Stable等区块链。利率浮动；按人民币计算还受汇率影响。
把稳定币存入 DeFi 借贷市场，可以获得借款人支付的利息。利率随借款需求实时浮动。存在智能合约风险，部分利率包含积分或代币奖励。
数据日期 2026-11-12 · 非投资建议。谁可以购买由发行人决定。 · English
共288项，显示50项 · 完整数据可通过开放 API 获取
| 代币 | 发行人 | 收益率 | 最低投资额 | 区块链 | 状态 |
|---|---|---|---|---|---|
| Accountable — USDC lending (Earn ACC Points) on Monad DL-ACCOUNTABLE-USDC-MONAD-5935 | Accountable (protocol) | 14.38% (浮动, DefiLlama 2026-11-12) checked 12 Nov 2026 | 无最低金额 | Monad | 存续中 |
| 3Jane Lending — SUSD3 lending on Ethereum DL-3JANELENDING-SUSD3-ETHEREUM | 3Jane Lending (protocol) | 14.29% (浮动, DefiLlama 2026-11-12) checked 12 Nov 2026 | 无最低金额 | Ethereum | 存续中 |
| Benqi Lending — USDC lending on Avalanche DL-BENQILENDING-USDC-AVALANCHE | Benqi Lending (protocol) | 13.69% (浮动, DefiLlama 2026-11-12) checked 12 Nov 2026 | 无最低金额 | Avalanche | 存续中 |
| Accountable — USDC lending (Earn ACC Points) on Ethereum DL-ACCOUNTABLE-USDC-ETHEREUM-3F3D | Accountable (protocol) | 12.13% (浮动, DefiLlama 2026-11-12) checked 12 Nov 2026 | 无最低金额 | Ethereum | 存续中 |
| Accountable — USDC lending on Ethereum DL-ACCOUNTABLE-USDC-ETHEREUM-0E00 | Accountable (protocol) | 12.13% (浮动, DefiLlama 2026-11-12) checked 12 Nov 2026 | 无最低金额 | Ethereum | 存续中 |
| Accountable — USDC lending on Monad DL-ACCOUNTABLE-USDC-MONAD-D0B9 | Accountable (protocol) | 12.02% (浮动, DefiLlama 2026-11-12) checked 12 Nov 2026 | 无最低金额 | Monad | 存续中 |
| Loopscale Lending — USD.INFRA lending on Solana DL-LOOPSCALELENDING-USDINFRA-SOLANA | Loopscale Lending (protocol) | 11.66% (浮动, DefiLlama 2026-11-12) checked 12 Nov 2026 | 无最低金额 | Solana | 存续中 |
| Sky Lending — STUSDS lending (Expert Mode) on Ethereum DL-SKYLENDING-STUSDS-ETHEREUM | Sky Lending (protocol) | 11.56% (浮动, DefiLlama 2026-11-12) checked 12 Nov 2026 | 无最低金额 | Ethereum | 存续中 |
| Accountable — USDC lending on Ethereum DL-ACCOUNTABLE-USDC-ETHEREUM-3889 | Accountable (protocol) | 11.01% (浮动, DefiLlama 2026-11-12) checked 12 Nov 2026 | 无最低金额 | Ethereum | 存续中 |
| Accountable — USDC lending (Earn ACC Points) on Monad DL-ACCOUNTABLE-USDC-MONAD-1A9C | Accountable (protocol) | 10.7% (浮动, DefiLlama 2026-11-12) checked 12 Nov 2026 | 无最低金额 | Monad | 存续中 |
| Dolomite — USDC lending on Ethereum DL-DOLOMITE-USDC-ETHEREUM | Dolomite (protocol) | 10.61% (浮动, DefiLlama 2026-11-12) checked 12 Nov 2026 | 无最低金额 | Ethereum | 存续中 |
| Pareto Credit — USDC lending (Bastion) on Ethereum DL-PARETOCREDIT-USDC-ETHEREUM-131F | Pareto Credit (protocol) | 10.59% (浮动, DefiLlama 2026-11-12) checked 12 Nov 2026 | 无最低金额 | Ethereum | 存续中 |
| Rhea Lend — USDT lending on Near DL-RHEALEND-USDT-NEAR | Rhea Lend (protocol) | 10.54% (浮动, DefiLlama 2026-11-12) checked 12 Nov 2026 | 无最低金额 | Near | 存续中 |
| Rhea Lend — USDC lending on Near DL-RHEALEND-USDC-NEAR | Rhea Lend (protocol) | 10.2% (浮动, DefiLlama 2026-11-12) checked 12 Nov 2026 | 无最低金额 | Near | 存续中 |
| Morpho Blue — FCUSDT lending on Ethereum DL-MORPHOBLUE-FCUSDT-ETHEREUM | Morpho Blue (protocol) | 10.09% (浮动, DefiLlama 2026-11-12) checked 12 Nov 2026 | 无最低金额 | Ethereum | 存续中 |
| Fluid Lending — USDT lending on Ethereum DL-FLUIDLENDING-USDT-ETHEREUM | Fluid Lending (protocol) | 9.72% (浮动, DefiLlama 2026-11-12) checked 12 Nov 2026 | 无最低金额 | Ethereum | 存续中 |
| Morpho Blue — Y10KAUSD lending on Monad DL-MORPHOBLUE-Y10KAUSD-MONAD | Morpho Blue (protocol) | 9.43% (浮动, DefiLlama 2026-11-12) checked 12 Nov 2026 | 无最低金额 | Monad | 存续中 |
| Pareto Credit — USDC lending (Adaptive Frontier) on Ethereum DL-PARETOCREDIT-USDC-ETHEREUM-33C3 | Pareto Credit (protocol) | 9.38% (浮动, DefiLlama 2026-11-12) checked 12 Nov 2026 | 无最低金额 | Ethereum | 存续中 |
| Compound V3 — USDT lending on Ethereum DL-COMPOUNDV3-USDT-ETHEREUM | Compound V3 (protocol) | 9.02% (浮动, DefiLlama 2026-11-12) checked 12 Nov 2026 | 无最低金额 | Ethereum | 存续中 |
| Morpho Blue — GPYUSDSE lending on Stable DL-MORPHOBLUE-GPYUSDSE-STABLE | Morpho Blue (protocol) | 9% (浮动, DefiLlama 2026-11-12) checked 12 Nov 2026 | 无最低金额 | Stable | 存续中 |
| Morpho Blue — NOONECOUSDC lending on Base DL-MORPHOBLUE-NOONECOUSDC-BASE | Morpho Blue (protocol) | 8.82% (浮动, DefiLlama 2026-11-12) checked 12 Nov 2026 | 无最低金额 | Base | 存续中 |
| Dolomite — USD1 lending on Ethereum DL-DOLOMITE-USD1-ETHEREUM | Dolomite (protocol) | 8.45% (浮动, DefiLlama 2026-11-12) checked 12 Nov 2026 | 无最低金额 | Ethereum | 存续中 |
| Kamino Lend — USDC lending (Plume x Re7 USDC) on Solana DL-KAMINOLEND-USDC-SOLANA-0BA9 | Kamino Lend (protocol) | 8.25% (浮动, DefiLlama 2026-11-12) checked 12 Nov 2026 | 无最低金额 | Solana | 存续中 |
| Morpho Blue — M1USDC lending on Ethereum DL-MORPHOBLUE-M1USDC-ETHEREUM | Morpho Blue (protocol) | 8.1% (浮动, DefiLlama 2026-11-12) checked 12 Nov 2026 | 无最低金额 | Ethereum | 存续中 |
| Accountable — AUSD lending on Monad DL-ACCOUNTABLE-AUSD-MONAD-06C8 | Accountable (protocol) | 8.09% (浮动, DefiLlama 2026-11-12) checked 12 Nov 2026 | 无最低金额 | Monad | 存续中 |
| Pareto Credit — USDC lending (FalconX) on Ethereum DL-PARETOCREDIT-USDC-ETHEREUM-2EB2 | Pareto Credit (protocol) | 8.07% (浮动, DefiLlama 2026-11-12) checked 12 Nov 2026 | 无最低金额 | Ethereum | 存续中 |
| Lista Lending — USDC lending on BSC DL-LISTALENDING-USDC-BSC | Lista Lending (protocol) | 8.06% (浮动, DefiLlama 2026-11-12) checked 12 Nov 2026 | 无最低金额 | BSC | 存续中 |
| Morpho Blue — AUGUSTUSDCV2 lending on Monad DL-MORPHOBLUE-AUGUSTUSDCV2-MONAD | Morpho Blue (protocol) | 8.02% (浮动, DefiLlama 2026-11-12) checked 12 Nov 2026 | 无最低金额 | Monad | 存续中 |
| Morpho Blue — ROXCUSDC lending on Ethereum DL-MORPHOBLUE-ROXCUSDC-ETHEREUM | Morpho Blue (protocol) | 8.02% (浮动, DefiLlama 2026-11-12) checked 12 Nov 2026 | 无最低金额 | Ethereum | 存续中 |
| Morpho Blue — HYPERUSDCA lending on Monad DL-MORPHOBLUE-HYPERUSDCA-MONAD | Morpho Blue (protocol) | 7.94% (浮动, DefiLlama 2026-11-12) checked 12 Nov 2026 | 无最低金额 | Monad | 存续中 |
| Morpho Blue — ROXUSDCY lending on Ethereum DL-MORPHOBLUE-ROXUSDCY-ETHEREUM | Morpho Blue (protocol) | 7.86% (浮动, DefiLlama 2026-11-12) checked 12 Nov 2026 | 无最低金额 | Ethereum | 存续中 |
| Kamino Lend — USDG lending (Steakhouse USDG High Yield) on Solana DL-KAMINOLEND-USDG-SOLANA-C21A | Kamino Lend (protocol) | 7.78% (浮动, DefiLlama 2026-11-12) checked 12 Nov 2026 | 无最低金额 | Solana | 存续中 |
| Morpho Blue — PENDLEUSDCHY lending on Ethereum DL-MORPHOBLUE-PENDLEUSDCHY-ETHEREUM | Morpho Blue (protocol) | 7.75% (浮动, DefiLlama 2026-11-12) checked 12 Nov 2026 | 无最低金额 | Ethereum | 存续中 |
| Morpho Blue — FEUSDCV2 lending on Hyperliquid L1 DL-MORPHOBLUE-FEUSDCV2-HYPERLIQUIDL1 | Morpho Blue (protocol) | 7.68% (浮动, DefiLlama 2026-11-12) checked 12 Nov 2026 | 无最低金额 | Hyperliquid L1 | 存续中 |
| Kamino Lend — USDC lending (Kamino Institutional Commodity Yield) on Solana DL-KAMINOLEND-USDC-SOLANA-6D68 | Kamino Lend (protocol) | 7.57% (浮动, DefiLlama 2026-11-12) checked 12 Nov 2026 | 无最低金额 | Solana | 存续中 |
| Kamino Lend — USDC lending (Kamino Institutional USDC) on Solana DL-KAMINOLEND-USDC-SOLANA-513E | Kamino Lend (protocol) | 7.53% (浮动, DefiLlama 2026-11-12) checked 12 Nov 2026 | 无最低金额 | Solana | 存续中 |
| Morpho Blue — KABUUSDC lending on Ethereum DL-MORPHOBLUE-KABUUSDC-ETHEREUM | Morpho Blue (protocol) | 7.52% (浮动, DefiLlama 2026-11-12) checked 12 Nov 2026 | 无最低金额 | Ethereum | 存续中 |
| Accountable — USDC lending (Earn ACC Points) on Monad DL-ACCOUNTABLE-USDC-MONAD-313B | Accountable (protocol) | 7.5% (浮动, DefiLlama 2026-11-12) checked 12 Nov 2026 | 无最低金额 | Monad | 存续中 |
| Morpho Blue — RESERVOIRUSDC lending on Ethereum DL-MORPHOBLUE-RESERVOIRUSDC-ETHEREUM | Morpho Blue (protocol) | 7.4% (浮动, DefiLlama 2026-11-12) checked 12 Nov 2026 | 无最低金额 | Ethereum | 存续中 |
| Kamino Lend — PYUSD lending (SOL/BTC Market) on Solana DL-KAMINOLEND-PYUSD-SOLANA-EAEC | Kamino Lend (protocol) | 7.36% (浮动, DefiLlama 2026-11-12) checked 12 Nov 2026 | 无最低金额 | Solana | 存续中 |
| Fluid Lending — GHO lending on Plasma DL-FLUIDLENDING-GHO-PLASMA | Fluid Lending (protocol) | 7.33% (浮动, DefiLlama 2026-11-12) checked 12 Nov 2026 | 无最低金额 | Plasma | 存续中 |
| Aave V3 — USDC lending (Umbrella) on Ethereum DL-AAVEV3-USDC-ETHEREUM-6F00 | Aave V3 (protocol) | 7.31% (浮动, DefiLlama 2026-11-12) checked 12 Nov 2026 | 无最低金额 | Ethereum | 存续中 |
| Morpho Blue — GTUSDGP lending on Arbitrum DL-MORPHOBLUE-GTUSDGP-ARBITRUM | Morpho Blue (protocol) | 7.27% (浮动, DefiLlama 2026-11-12) checked 12 Nov 2026 | 无最低金额 | Arbitrum | 存续中 |
| Morpho Blue — SATUSDC lending on Monad DL-MORPHOBLUE-SATUSDC-MONAD | Morpho Blue (protocol) | 7.16% (浮动, DefiLlama 2026-11-12) checked 12 Nov 2026 | 无最低金额 | Monad | 存续中 |
| Accountable — AUSD lending on Monad DL-ACCOUNTABLE-AUSD-MONAD-6E69 | Accountable (protocol) | 7.14% (浮动, DefiLlama 2026-11-12) checked 12 Nov 2026 | 无最低金额 | Monad | 存续中 |
| Kamino Lend — PYUSD lending (Sentora PYUSD) on Solana DL-KAMINOLEND-PYUSD-SOLANA-36F6 | Kamino Lend (protocol) | 7.13% (浮动, DefiLlama 2026-11-12) checked 12 Nov 2026 | 无最低金额 | Solana | 存续中 |
| Morpho Blue — BBQUSDG lending on Arbitrum DL-MORPHOBLUE-BBQUSDG-ARBITRUM | Morpho Blue (protocol) | 7.13% (浮动, DefiLlama 2026-11-12) checked 12 Nov 2026 | 无最低金额 | Arbitrum | 存续中 |
| Morpho Blue — APYXUSDC lending on Ethereum DL-MORPHOBLUE-APYXUSDC-ETHEREUM | Morpho Blue (protocol) | 7.07% (浮动, DefiLlama 2026-11-12) checked 12 Nov 2026 | 无最低金额 | Ethereum | 存续中 |
| Morpho Blue — ARMUSDTS lending on Ethereum DL-MORPHOBLUE-ARMUSDTS-ETHEREUM | Morpho Blue (protocol) | 7.02% (浮动, DefiLlama 2026-11-12) checked 12 Nov 2026 | 无最低金额 | Ethereum | 存续中 |
| Morpho Blue — CSUSDCCORE lending on Ethereum DL-MORPHOBLUE-CSUSDCCORE-ETHEREUM | Morpho Blue (protocol) | 7% (浮动, DefiLlama 2026-11-12) checked 12 Nov 2026 | 无最低金额 | Ethereum | 存续中 |
常见问题
利率越高越好吗？
不一定。高利率往往来自短期借款需求或奖励代币，也可能意味着抵押资产或合约风险更高。
和银行存款一样吗？
不一样。不受存款保险保障，可能因智能合约漏洞或抵押品清算失败而亏损。
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