Yield on Arc, honestly
$170.3M of USDC sits in 30 lending vaults on Arc. $358k of it can be taken out right now.
The rest is lent to borrowers who put up Bitcoin and comes back as they repay. Before you deposit anywhere, look at "Out now": what a depositor could withdraw at this block. "Show my positions" reads your wallet's vault shares; nothing is signed.
Checked , every 15 minutes. Rates are Circle's figures: lending rates that move with borrowing, not promises.
Every vault
| Vault | Rate | Size | Out now | State |
|---|---|---|---|---|
| Galaxy USDC Galaxy Curation · USDC | 1.58% | $89.7M | $0.00 0% | LOCKED FOR NOW |
| Keyrock Prime USDC Keyrock · USDC | 1.58% | $75.0M | $150k 0.2% | LOCKED FOR NOW |
| Steakhouse Prime USDC Steakhouse Financial · USDC | 1.58% | $5.1M | $151k 2.9634% | TIGHT |
| Galaxy EURC Galaxy Curation · EURC | 1.05% | $503k | $292k 58.0791% | LIQUID |
| Bitwise Premium RWA USDC Bitwise · USDC | 4.35% | $337k | $42k 12.4579% | TIGHT |
| Gauntlet USDC Prime Gauntlet · USDC | 1.58% | $95k | $0.05 0.0001% | LOCKED FOR NOW |
| Steakhouse Prime USDC · USDC | 0.61% | $30k | $15k 49.7016% | LIQUID |
| Steakhouse Prime EURC Steakhouse Financial · EURC | 0.00% | $9k | $9k 100% | LIQUID |
| Gauntlet EURC Prime Gauntlet · EURC | 0.00% | $9k | $9k 99.9999% | LIQUID |
| Dialectic RWA USDC Dialectic Meccanico · USDC | 1.74% | $14.50 | $13.08 90.2153% | LIQUID |
| Pangolins USDC Pangolins · USDC | 0.41% | $12.41 | $8.20 66.0589% | LIQUID |
| Gauntlet USDC Balanced Gauntlet · USDC | 1.56% | $11.45 | $0.18 1.5982% | TIGHT |
| Gauntlet USDC Prime · USDC | 1.34% | $2.67 | $0.00 0% | LOCKED FOR NOW |
| Steakhouse Prime EURC · EURC | 0.00% | $2.43 | $0.00 0% | LOCKED FOR NOW |
| USDC Test Vault · USDC | 0.00% | $2.41 | $2.41 100% | LIQUID |
| Gauntlet EURC Prime · EURC | 0.00% | $1.50 | $0.00 0% | LOCKED FOR NOW |
| Flowmark USDC Turbo Flowmark · USDC | 0.29% | $1.23 | $1.23 100% | LIQUID |
| Aerie x Plume USDC Core · USDC | 2.50% | $1.09 | $0.20 18.3351% | TIGHT |
| SteakEURC · EURC | -1.00% | $1.00 | $0.00 0% | LOCKED FOR NOW |
| SteakUSDC · USDC | 0.54% | $1.00 | $0.00 0% | LOCKED FOR NOW |
| Steakhouse Prime USDC · USDC | 1.34% | $1.00 | $0.00 0% | LOCKED FOR NOW |
| Test · USDC | 0.00% | $1.00 | $1.00 100% | LIQUID |
| Test 3 · USDC | 0.00% | $1.00 | $1.00 100% | LIQUID |
| Steakhouse Prime USDC · USDC | 0.00% | $1.00 | $1.00 100% | LIQUID |
| Arc Test 2 · USDC | 0.00% | $1.00 | $1.00 100% | LIQUID |
| rwa USDC · USDC | 0.00% | $1.00 | $1.00 100% | LIQUID |
| pjvk · USDC | 0.00% | $1.00 | $1.00 100.0379% | LIQUID |
| Pangolins USDC Prime · USDC | 0.00% | $1.00 | $0.00 0% | LOCKED FOR NOW |
State: LIQUID = 20%+ can come out now, TIGHT = 1-20%, LOCKED FOR NOW = under 1%. It describes the lending market, never the vault's manager or its borrowers. Vaults under $1 are left out.
Our own treasury agent
Every hour our treasury operator reads these same vaults and decides by itself whether to park our idle USDC (1.516413 USDC in its wallet now). Last decision, : park refused: does not pay for itself: 30-day yield 0.00065736 <= round-trip gas 0.017493. Its rules: only a vault Circle does not warn about, at least 20% of deposits withdrawable now and 10 times our amount, and 30 days of yield that pays for the gas in and out. Its code is open.
Tokenized funds
Centrifuge tokenized funds (JTRSY US Treasuries, JAAA AAA CLOs, HYB high-yield bonds) arrived on Arc in early October 2026; Centrifuge restricts direct access to non-US professional investors, so they are not listed here and their contracts are not read by us.
GET /api/x402/arc-yield, $0.003 per call over x402 (USDC on Arc, Base or Solana).How: Vaults named by Circle Earn Kit (exploreVaults, Arc). totalAssets, idle balance, adapters, positions and Morpho Blue market supply/borrow read on chain at Morpho Blue 0x34CD04070dD72b14E241112F6d83812Df5Af7fCD. Rates are Circle's figures. Refreshed every 15 minutes.