Coming soon

Earn 4% APY on USDC

Eligible users can pre-enroll to earn interest on select assets on Coinbase, starting with 4% APY1 on USD Coin (USDC).

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Pre-enrollment is currently available to eligible US residents except those residing in HI, NY & VT. We are always working on ways to bring our services to all our users.

How it works

We lend your USD Coin to verified borrowers, allowing you to earn 4% APY1 - over 8x the national average for high-yield savings accounts2.

Lend your crypto to earn 4% APY

Your funds may be lent out and may no longer be custodied by Coinbase. You can opt-out at any time.

Your principal is guaranteed

The crypto you lend is guaranteed by Coinbase, giving you a safe, secure way to earn interest.

Send and sell, just like usual

You can continue to send and sell your crypto without delay and with no fees.

What is USD Coin?

USD Coin (USDC) is a type of cryptocurrency known as a stablecoin. You can always redeem 1 USDC for US $1.00, giving it a stable price. Today, eligible customers can earn 0.15% APY on their USDC. Soon, eligilble customers can increase their APY to 4%1. Learn more about USDC.

USD Coin

4% APY

1. Annual Percentage Yield (APY) as of June 26th, 2021. APY may change at any time before you start lending.

2. Based on's survey of high-yield USD savings accounts in May 2021. Lend is not a high-yield USD savings account, and Coinbase is not a bank. Your loaned crypto is not protected by FDIC or SIPC insurance.

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