Last updated 30 August 2025

Our Earn feature lets you earn interest on USDC in your Accounts. There is no minimum amount or lockup duration required. And unlike traditional banks, you can use your Earn balance when sending funds without any delay.

To get started, click Earn on the Dashboard or an Account page and specify the amount of USDC do deposit.

Once you make a deposit, a Positions section will appear in the Balances on your Account page. Your position automatically compounds according to the APY, so you never need to “claim” your earned funds.

How it works

Behind the scenes your deposit flows into the Aave USDC Base Vault—an ERC‑4626 vault that plugs directly into the Aave v3 Pool on Base. Instead of handling aUSDC yourself, you receive vault shares that represent your portion of the pooled USDC.

What this means for you:

• Auto‑compounding yield. The vault periodically harvests the interest earned in Aave and re‑supplies it, so your balance grows automatically.
• One token to track. Because the vault is ERC‑4626 compliant, each share always maps to a clear amount of USDC. There are no rebasing tokens or hidden wrappers—just a single balance that increases over time.
• Lower gas usage. Deposits, harvests, and withdrawals are batched, keeping network fees minimal.

Everything happens natively on Base—no bridges, no wrapped assets—giving you direct exposure to Aave’s proven lending market. For a deeper look under the hood see the Aave Vault docs.

Why Aave USDC on Base?

We chose USDC on Base because this is the token most used by Teams users today. We chose Aave because it is the most battle-tested lending protocol on Ethereum with $50B in net deposits. We plan to roll out support for other assets and yield bearing protocols soon—please reach out if there are specific ones you’re interested in. If you want yield on your ETH today, we recommend swapping into Lido’s Wrapped Staked ETH (wstETH).