How to Earn Interest on USDC: Best Rates in 2026
Compare the top platforms for earning USDC interest, understand the risks, and learn step-by-step strategies to earn up to 7% APY on your idle USDC without crypto price exposure.
I tēnei Ārahi
He aha te whiwhi pānga i USDC?
If you hold USDC in a wallet or on an exchange and it is not earning interest, you are leaving money on the table. USDC is a dollar-pegged stablecoin issued by Circle, one of the most regulated and transparent crypto companies in the world. Every USDC token is backed 1:1 by cash and short-term U.S. Treasury securities, with monthly attestation reports published by independent accounting firms.
Kēkē i te pupuri i a Bitcoin, Ethereum rānei, kāore te whiwhi hua i runga i te USDC e whakaara i a koe ki te huringa utu crypto. Kei te noho tonu tō pūtea matua ki te tāra, ā, ka piringa tō hua. Whakaarohia hei pūkete penapena whai hua nui, engari, mā te kore e whiwhi 0.5% APY i tētahi pēke tuku iho, ka taea e koe te whiwhi 7% APY, neke atu rānei mā ngā tikanga kārihi DeFi me ngā papatono hua pērā i a Coinstancy.
Hei whakamārama i tēnei: $10,000 i tētahi pūkete penapena kāwanatanga o te U.S. whiwhi tata $50 ia tau. Ko te $10,000 ōrite e whiwhi ana 7% APY i runga i te USDC whiwhi tata $725 ia tau me te whakakotahi ia rā. Ko tēnei he 14 wā te nui ake o te hua i te moni kotahi anake, me te kore e pā ki ngā panoni utu crypto.
Kua pakari te mākete USDC i te nui. Me te nui atu i te $50 piriona i te huringa i te tau 2026, ko USDC te taura pūmau tuarua nui rawa i runga i te rahi o te mākete, ā, koia te taura pūmau i whakamahia whānuitia i te DeFi. He nui te waiwai hohonu puta noa i lending protocols, ngā whakawhiti kāore i te rangatū, me ngā papatono whakahaere, e whakarite ana i te nui me te toitū o ngā whai wāhitanga hua.
Kua whakahaeretia katoa
He whakahaere pūtea whakahaeretia a Circle. Ka mau ngā tahua USDC i te moni moni me ngā taonga pūtea poto o te United States, me ngā pūrongo whakamana motuhake ia marama.
10-14x ngā reiti pēke
Whiwhi tae atu ki te 7% APY i runga i te USDC, e whakataurite ana ki te 0.5% tōpūtanga ā-motu i ngā pūkete penapena o ngā pēke o Amerika. He ōrite te pūmau o te tāra, he hua nui ake.
Kore Whakaata Utu
Kei te mau tonu tō $10,000 i roto i te USDC i te $10,000 ahakoa he aha te mahi a Bitcoin, Ethereum rānei. Whiwhi hua pure i te tāra, kāore he mōrearea mākete.
Ngā Reiti Pēke USDC Pai rawa i te 2026
Ko te āhua o ngā reiti pānga USDC i te tau 2026 e whānui ana i ngā tikanga DeFi, ngā papatono CeFi, me ngā kohinga hua whakakotahi. He rerekē nui ngā reiti i runga i te momo papatono, ngā whakaritenga ā‑kōpaki, me te āhua mōrearea. Anei he whakataurite whānui o ngā papatono rangatira mō te whiwhi pānga i runga i te USDC.
Kua arotake mātou i ia papatono i runga i te APY, te momo (CeFi ki te DeFi), ngā whakaritenga ā‑kōpaki, te moni tāpui iti rawa, me te āhua haumaru. Kei te wātea ngā reiti katoa i te marama o Poutū-te-rangi 2026, ā, ka rerekē pea i runga i ngā āhuatanga o te mākete.
| Papamahi | APY | Momo | Kati | Min Deposit | Haumaru |
|---|---|---|---|---|---|
| Coinstancy | 7.00% | Tangata-rua | Kore | Kore | Mōteatea maha, i arotake |
| Aave V3 | 3-5% | DeFi | Kore | Kore | Arotake maha, $15B+ TVL |
| Morpho Kahurangi | 4-7% | DeFi | Kore | Kore | I arotake, pouaka kua tiakina |
| Compound V3 | 2-4% | DeFi | Kore | Kore | Arotake maha, $3B+ TVL |
| Coinbase (Utu USDC) | 4.7% | CeFi | Kore | $1 | Kua rārangi i te marea, kua whakahaeretia |
| Nexo | 6-8% | CeFi | 1-12 marama | $10 | SOC 2 i arotake, kua inihua |
| YouHodler | 7.0% | CeFi | Kore | $100 | Kua whakahaeretia e te Huiti |
| Beefy Finance | 3-8% | DeFi | Kore | Kore | Mōteatea maha, whakakotahi aunoa |
He aha i tū motuhake ai a Coinstancy
Coinstancy ka whakakotahi i ngā āhuatanga pai rawa atu i te papamuri: a APY 7% mau(e ōrite ana ki ngā reiti teitei rawa kāore i mau), kāore he wā ārai, kāore he utu mōkito iti, tiki moni tere, me whakakotahi ia rā. I raro i te kapua, ka tohatoha a Coinstancy i ngā kaupapa DeFi kua whakamātauhia puta noa i te pakanga, tae atu ki Aave, Morpho, me Compound hei whakapai ake i te hua i te whakaiti i te mōrearea. Ka whiwhi koe i ngā hua taumata DeFi me te māmā o te taumata CeFi.
DeFi ki CeFi: Wāhi ki te whiwhi Pānga USDC
Ina e pā ana ki te whiwhi painga i runga i te USDC, he rua ngā huarahi tino rerekē: ngā tikanga pūtea korekore (DeFi) me ngā papatono pūtea pūmahana (CeFi). He rerekētanga motuhake kei ia i ngā āhuatanga o te mana, te mōrearea, me ngā hua. Ko te mārama ki ēnei rerekētanga he mea nui ki te whakatau tika mō te wāhi ka tuku tō USDC. Mō te hōhonutanga hōhonu ake ki tēnei kaupapa, tirohia tō mātou katoa Whakatauranga DeFi ki CeFi.
Utu DeFi (Mana Motuhake)
- Mana motuhake katoa: Ka whakahaere koe i ō kī motuhake me ō moni i ngā wā katoa. Kāore he hoa pakihi e pupuri i tō USDC.
- Mārama: Ka taea te tirotiro i ngā nama, nama whiwhi, me ngā reiti i runga i te aho. Kāore he mōrearea huna.
- Kāore he KYC: Ka uru ki ngā tikanga nama mā te pūkete anake. Kāore e hiahiatia te whakamana tuakiri.
- Reiti huri: Ka huri ngā reiti nama DeFi i runga i te whiwhinga me te hiahia. Ka huri tonu tō APY.
- Mōrearea kirimana atamai: Ka taea e ngā hapa o te tikanga, ngā whakatūtū rānei te pā ki ngā moni kua tāpuitia.
- Utu hinu: I runga i te Ethereum mainnet, ka hiahiatia ngā utu hinu mō ngā tāpiritanga me ngā tārewa e taea ana te kai i ngā tāpiritanga iti.
Papaarangi CeFi (Kaupapa Tiaki)
- Whakamahere māmā: Tāpirihia te USDC ka tīmata te whiwhi moni. Kāore he whakahaere kāpēke, utu hinu, rānei ngā whakawhitinga tikanga.
- Tau utu pūmau: He maha ngā papaarangi CeFi e tuku ana i ngā tau utu pūmau, ā‑pūtau, e māmā ake ana ki te whakamahere.
- Tautoko kiritaki: He urunga ki ngā tīma tautoko tangata mō ngā raruraru me ngā pātai.
- Mōrearea hoa pakihi: Ka whakawhirinaki koe ki te papaarangi mō ō pūtea. Ka tohu te kore utu o te papaarangi i te mōrearea pea (tirohia a FTX, Celsius, BlockFi).
- Kore-ata: Kāore e taea e koe te tirotiro motuhake i te āhua ka whakamahia tō USDC ki te whakaputa hua.
- Kāti-ā-roto: He maha ngā papatono CeFi e hiahiatia ana ngā wā whakakāti mō ngā reiti teitei rawa.
Te Pai o ngā Ao Rua
Ko Coinstancy e whakakotahi ana i te mokowā i waenga i te DeFi me te CeFi. Ka tukuna tō USDC ki ngā tikanga DeFi kua arotake, kua whakamātau i ngā pakanga (Aave, Morpho, Compound), e hoatu ana i te mārama me te haumaru o te kāriha korekore. Engari ko te wheako kaiwhakamahi he CeFi‑māmā: tāpui USDC, whiwhi 7% APY me te whakakotahi ia rā, tango wawe. Kāore he whakarite pūkete, kāore he utu hinu hei whakahaere, kāore he aroturuki tūnga. He otinga tino pai mō ngā kaiwhakamahi e hiahia ana ki ngā hua taumata DeFi me te kore uaua taumata DeFi.
Me pēhea e tuku ana a Coinstancy i te 7% APY ki USDC
He pātai auau ko: "Me pēhea e taea ai e Coinstancy te tuku 7% APY i te wā e tuku ana ngā kaupapa DeFi takitahi i te 3-5%?" Kei te noho te whakautu i whakawhitinga pūnaha maha kua whakapai me whakawhāiti i ia rā.
Kaore a Coinstancy e tuku noa i te USDC kua tāpuitia ki tētahi pūkete kāri kotahi. Engari, ka whakamahi i tētahi rautaki tohatoha matatau e tohatohatia ai te pūtea ki ngā whai wāhitanga teitei rawa i runga i Aave V3, Morpho Blue ngā pouaka kua tiakina, me Compound V3. Ka mau tonu te tohatoha i te whakakē tonu kia hopukia ngā reiti pai rawa e wātea ana puta noa i ngā tikanga me ngā aho.
Mo tētahi whakataurite taipitopito o ngā tikanga i raro, tirohia tā mātou Aave vs Compound vs Morpho aratohu.
Tohatohanga Maha-Tikanga
Ka aroturuki a Coinstancy i ngā reiti nama i te wā tūturu puta noa i Aave, Morpho, me Compound i te Ethereum mainnet me ngā whatunga Rārangi 2. Ka tohua te pūtea ki te kaupapa e tuku ana i te hua nui rawa atu kua whakatikahia mō te mōrearea i ngā wā katoa. Ina tuku ngā pouaka USDC Morpho Blue i te 6.5% ā, ka tuku a Aave i te 4%, ka nui ake te pūtea e rere ana ki Morpho. Ina huri ngā reiti, ka whakahou te tohatoha kia rite.
Whakarāpopoto Iā Rā
Ka whakahoki aunoa tō whiwhinga pānga ia haora 24. Ko tēnei tikanga, ka whiwhi pānga tō whiwhinga pānga, e hanga ana i te tipu whakatere i te roanga o te wā. Ko te 6.78% APR me te whakakotahi ia rā ka whakamaori ki te 7% APY tata. Ko te nuinga o ngā kaiwhakamahi DeFi e tuku ā-ringa ki Aave, Compound, kāore e whai hua i tēnei pānga whakakotahi nā te mea kāore rātou e kohikohi, e whakahoki anō i te wā tika. Ako anō mō te āhua o tēnei i roto i tā mātou ārahi APY.
Whakaiti Utu Haumiri
Individual DeFi users pay gas fees for every deposit, withdrawal, and claim transaction. On Ethereum mainnet, a single Aave supply transaction can cost $5-20 in gas. Coinstancy batches transactions and operates across L2s to minimize gas overhead, passing the savings to users as higher net yield. For small depositors, this gas savings alone can mean the difference between 3% and 7% effective APY.
No Lock-up, Instant Withdrawal
E kore i te rite ki ngā papatono CeFi e hiahiatia ana ngā wā whakakāhore mō ngā reiti taumata, ka tuku a Coinstancy i te 7% APY me te māmā katoa. Kawea tō USDC me te painga kua whiwhi i ngā wā katoa, kāore he whiu, kāore he wā whakatā, ā, kāore he utu tāke. Ka wātea tonu ō pūtea 24/7.
Ko te hua ko tētahi hua whakaputa e whakapai ake i te mea ka taea e te nuinga o ngā kaiwhakamahi ki te whiwhi i a rātou anake, ahakoa he wheako nui i te DeFi. Mā te whakakotahi i te whakapai i te taumata kaupapa me te whakakotahi o te rerekētanga o ia rā me te kohinga utu hinu, ka tukuna e Coinstancy he APY 7% tōtika e tino uaua ki te tārua ā-ringa.
Timata ki te whiwhi 7% APY i runga i te USDC i tēnei rā
Kāore he ārai. Whakakotahi ia rā. Tangohanga tere. Hono atu ki ngā mano kaiwhakamahi e whiwhi moni ā-māui i runga i tā rātou USDC me Coinstancy.
Whakatuwhera Pūkete CoinstancyHipanga-mahi: Whiwhi painga i runga i te USDC me te DeFi
Mēnā ka hiahia koe ki te rangatiratanga katoa me te whai hua USDC i runga i ngā tikanga DeFi, anei te ara ki te mahi i runga i ngā papatono tuku kāri e toru tino rongonui. Ka hiahia koe i tētahi pūkete Web3 pērā i te MetaMask, ētahi USDC, me te iti o ETH mō ngā utu hinu.
Kōwhiringa A: Whiwhi USDC i runga i te Aave V3
Hono Pūkete ki te Aave
Haere ki app.aave.com ka hono tō MetaMask, WalletConnect rānei. Tīpakohia te whatunga e hiahia ana koe ki te whakamahi: Ethereum mainnet mō teitei TVL me te māmāwai hohonu, rānei Base/Arbitrum mō ngā utu huka iti.
Tuku USDC
Kimihia te USDC i te rārangi mākete tuku. Pāwhiri "Tuku" ka whakauru te nui. Me whakaaetia e koe te whakapau USDC (tauwhāiti kotahi), ka whakaae i te tauwhāiti tuku. Ka whiwhi koe i ngā tohu aUSDC e whakaatu ana i tō tāpiritanga.
Whiwhi APY huringa
Ka tipu aunoa tō paerewa aUSDC i te wā e piki haere ana ngā painga. Ko ngā reiti tuku aUSDC a Aave o nāianei kei waenganui i te 3-5% APY i runga i ngā āhuatanga o te mākete. Tukua atu i ngā wā katoa mā te whakakōkiri i ō tohu aUSDC. Tirohia tō mātou ārahi katoa mō Aave mō ngā taipitopito anō.
Kōwhiringa B: Whiwhi USDC i Morpho Blue
Tirotiro i ngā Morpho Vaults
Haere ki app.morpho.org me hono tō pūkete. Haere ki te wāhanga "Earn" ki te tirotiro i ngā pouaka USDC kua whakaritea. He rerekē ngā pūkete mōrearea, ngā momo taapiri, me ngā awheawhe APY mō ia pouaka. Pānui i tā mātou arotau Morpho ki te mārama me pēhea te kōwhiringa pouaka e mahi ana.
Kōwhiri i tētahi pouaka USDC
Kōwhiria he pouaka i runga i tō kaha mōrearea. Ko ngā pouaka APY teitei e whakaae ana ki ngā momo taapiri tino huringa. Ko ngā pouaka "Steakhouse USDC" me "Gauntlet USDC Core" he kōwhiringa rongonui me ngā pūkete kua whakamana, me te APY huringa 4-7%.
Tuku moni me te whiwhi
Whakaaetia me te tuku i tō USDC ki te pouaka kua tīpakohia. Ka piki te uara o tō hea i te pikinga o te pānga. Ka tohaina e ngā pouaka Morpho i ngā utu MORPHO i runga i ngā reiti kārihi taketake, e whakapiki ana i tō APY whaihua.
Kōwhiringa C: Whiwhi USDC i runga i te Compound V3
Uru ki te Compound
Tiro app.compound.finance me te hono i tō pūkete. Ka whakamahi te Compound V3 i te tauira taonga kotahi: ko te USDC te taonga taketake. Tīpakohia te Ethereum mainnet, Base, rānei Arbitrum i runga i ō hiahia utu huka.
Tuku USDC
Patohia "Supply" ka whakauruhia tō te nui o USDC. Whakahuatia te whakaaetanga whakapau, ka whakamana. Ka whiwhi tō USDC i te reiti pūtake (inaianei 2-4% APY) me ngā utu tohu COMP e taea ana te whakapiki i ngā hua whaihua.
Kōwhiringa Ārahi: Ethereum vs Rārangi 2
Ko te whiriwhiri i te pūnaha blockchain tika he mea nui mō ō hua rihiritanga, otirā mō ngā tāke iti. I te Ethereum mainnet, ka utu $5-20 te whakawhitinga pūtea kotahi i runga i te Aave. I ngā whatunga Layer 2 pērā i a Base, Arbitrum rānei, ka iti iho i te $0.10 te utu o te whakawhitinga kotahi. Hei ako anō, tirohia tā mātou ārahi whakawhiti crypto.
Ture ā-tau: Mēnā kei raro i te $5,000 tō tāke, whakamahia he Layer 2 kia kaua ngā utu hinu e kai i tō hua. Mēnā kei runga i te $10,000 tō tāke, ka tuku te Ethereum mainnet i te māmāwai hohonu ake me ngā reiti nui ake āhua e tika ana mō ngā utu hinu nui ake.
USDC Kaipūtohu Pānga Whakauru
E hia te moni ka whiwhi tika koe? Ka whakaatu te ripanga i raro nei i ngā hua e whakaarohia ana i ngā nui tāpui rerekē me APY ngā reiti mō ngā tau 1, 3, me 5, me te whakapae i te rā ia rā te whakakotahi
I muri i te tau 1 (Te whakakotahi ia rā)
| Tuku | 3% APY | 5% APY | 7% APY | 10% APY |
|---|---|---|---|---|
| $1,000 | $1,030 | $1,051 | $1,073 | $1,105 |
| $5,000 | $5,152 | $5,256 | $5,363 | $5,525 |
| $10,000 | $10,305 | $10,513 | $10,725 | $11,052 |
| $50,000 | $51,524 | $52,563 | $53,626 | $55,259 |
| $100,000 | $103,045 | $105,127 | $107,251 | $110,517 |
I muri i te tau 3 (Te whakakotahi ia rā)
| Tuku | 3% APY | 5% APY | 7% APY | 10% APY |
|---|---|---|---|---|
| $1,000 | $1,094 | $1,162 | $1,234 | $1,350 |
| $5,000 | $5,470 | $5,809 | $6,168 | $6,749 |
| $10,000 | $10,942 | $11,618 | $12,336 | $13,499 |
| $50,000 | $54,709 | $58,092 | $61,678 | $67,493 |
| $100,000 | $109,417 | $116,183 | $123,357 | $134,986 |
I muri i te tau 5 (Te whakakotahi ia rā)
| Tuku | 3% APY | 5% APY | 7% APY | 10% APY |
|---|---|---|---|---|
| $1,000 | $1,162 | $1,284 | $1,419 | $1,649 |
| $5,000 | $5,809 | $6,420 | $7,096 | $8,244 |
| $10,000 | $11,618 | $12,840 | $14,191 | $16,487 |
| $50,000 | $58,092 | $64,202 | $70,956 | $82,436 |
| $100,000 | $116,183 | $128,403 | $141,902 | $164,872 |
Te Mana o te Whakakotahi
Mātakitaki i te rerekētanga i waenga i ngā reiti APY ka nui ake tino i ngā wā roa. He tāke $100,000 i te 7% APY ka whiwhi $41,902 i roto i ngā tau e rima, ā, ko te tāke ōrite i te 3% APY ka whiwhi anake $16,183. He $25,719 te rerekētanga, nā te pānga o te whakakotahi katoa. Ko tēnei te take e tino nui ai te whiriwhiri i tētahi papatono me te reiti toitū teitei mō te hanga taonga mō te roanga wā. Coinstancy's ia rā te whakakotahi i te 7% APY e whakapiki ana i tēnei pānga aunoa.
Ngā mōrearea o te whiwhi hua USDC
Ko te whiwhi painga i runga i te USDC kāore i te kore mōrearea. Ahakoa ko te USDC anō he mea noho haumaru rawa i ngā moni pūmau, ko ngā papatono me ngā tikanga e whakamahia ana e koe ki te whiwhi hua e whakauru ana i ō rātou ake āhuatanga mōrearea. He mea nui te mārama ki ēnei mōrearea mō te whakatau i ngā kōwhiringa mōhio mō te wāhi me te nui o te moni hei tāpui.
Mōrearea Kirimana Atamai
Ko ngā tikanga DeFi e hiko ana i te kōtaha atamai, he waehere kua whakatūria ki runga i ngā poraka. Mēnā kei roto i tētahi kōtaha atamai he hapa, he ngoikoretanga rānei, ka taea te whakamahi, ā, ka ārahi pea ki te ngaro o ngā moni kua tāpuitia. Kei te noho tonu tēnei mōrearea ahakoa ngā tikanga kua arotake pai, ahakoa he maha ngā arotake motuhake me ngā tau o te hītori whakahaere e whakaiti nui ana i te tūpono.
Whakaiti: Whakamahia anake ngā tikanga whai pūkenga arotake whānui me ngā piriona i te TVL (Aave, Compound, Morpho). Ka tukuna anake e Coinstancy ki ngā tikanga e tutuki ana i ngā paerewa haumaru kaha.
Mōrearea Depeg
Ahakoa kei te pupuri a USDC i te hononga pakari 1:1 ki te tāra, kua puta ngā rerekētanga wā poto. Ko te mea nui rawa i te marama o Poutū-te-rangi 2023 i whakakitea e Circle te $3.3 piriona i ngā pūtea i pupuri i te Silicon Valley Bank, i hinga tata. I hokona a USDC mō te wā poto i te $0.87 i mua i te whakaora katoa i roto i ngā rā i muri i te whakaaetanga a te FDIC i ngā tāke katoa.
Whakaiti: He tautoko whakahaere tino kaha rawa a USDC i ngā moni pūmau katoa. Ka whakaputa a Circle i ngā pūrongo whakamana ia marama, ā, ka mau ngā pūtea ki te moni moni me ngā tāke poto o te United States i ngā whare pūtea nui. I whakaatu te takahanga SVB i te manawaroa o USDC's: i whakahou tere ia nā te mea kāore i te mōrea o ngā pūtea i raro i te mōrearea o te ngaro pūmau. Mō tētahi whakataurite hōhonu ake, tirohia tā mātou Aratohu USDT ki USDC.
Mōrearea o te Papatono / Hoa Pakihi
Ko te hinga o Celsius, BlockFi, me FTX i te tau 2022 i whakaatu i ngā hua kino o te mōrearea o te taha o te rōpū i te CeFi. Ngā kaiwhakamahi i tuku i ngā moni pūmua ki ēnei papatono i ngaro i ngā wāhanga nui o ō rātou pūtea. Ka pā tēnei mōrearea ki tētahi papatono pūmau katoa e tiaki ana i ōu taonga.
Whakaiti: Mō ngā papatono CeFi, kōwhiria ngā rōpū whakahaere i whakaaetia me te taunakitanga mārama o ngā tahua. Mō DeFi, whakamahia ngā tikanga kāore i te tiaki i te pūtea, e tiakina ana ō pūtea e kōtaha atamai kaua i tiakina e tētahi kamupene. Ka tukuna e Coinstancy ki ngā tikanga DeFi, e whakakotahi ana i te mārama o te kāri i runga i te ipurangi me te māmā o tētahi papatono kua tiaki. Tirohia tā mātou ngā pūkete penapena crypto tino pai aratohu mō tētahi whakataurite katoa o ngā pūkete mōrearea o te papatono.
Mōrearea Ture
Kei te haere tonu te panonitanga o te horopaki whakahaere mō ngā hua hua moni pūtea pūmua. I ētahi rohe, ka taea te tautuhi i te whiwhi pānga i runga i ngā pūmua pūmua hei mahi taonga pūoro, ā, ka taea te pā ki te wātea o te papatono, me te hiahia i ngā tikanga tautuku anō. Ko Circle anō he kamupene tino tūhura ki te mahi tahi me ngā kaiwhakahaere, ā, ka whai hua ngā kaipupiri USDC, engari ko te pūnaha whiwhinga moni DeFi whānui e pā ana ki te arotake whakahaere tonu. Kia mōhio tonu ki ngā ture i tō rohe, ā, kōwhiria ngā papatono e whakaatu ana i te rite ki te tautuku.
Pikinga utu ki te hua tūturu
Ahakoa 7% APY, me inea te whakahoki tūturu ki te pikinga utu. Mēnā ka piki te pikinga utu USD ki te 3%, ko te hua tūturu ki te USDC he tata ki te 4%. Heoi, he pai ake tēnei i ngā pūkete penapena pēke e tuku ana i te hua 0.5% (hua tūturu kino i muri i te pikinga utu). Ko te whiwhi hua USDC tētahi o ngā huarahi pai rawa ki te tiaki me te whakapiki i te mana hoko i ngā wāriu tāra, kāore e whai pānga ki te mōrea mākete.
USDC ki ētahi atu Stablecoins mō te Hua
Ehara a USDC i te moni pūmau anake ka taea e koe te whiwhi hua. Ko USDT, DAI, USDS, me GHO he wāhi hua katoa i te DeFi. Engari ehara i te katoa o ngā moni pūmau i hangaia ōrite i te haumaru, te māmāwai, me te āheinga whiwhi hua. Anei te aratohu o te rerekētanga. Mō tētahi tirohanga hohonu, pānuihia tā mātou whakatauranga USDT ki USDC.
| Moni pūmau | Kaiwhakaputa | Tautoko | APY tipitipi | Māmāwai DeFi | Whakahaere |
|---|---|---|---|---|---|
| USDC | Porowhita | Moni + Ngā Pūkete o te United States | 3-7% | Teitei rawa | Kaha |
| USDT | Tether | Ngā pūtea rerekē | 3-8% | Teitei | Waenga |
| DAI / USDS | MakerDAO / Rangi | Crypto + RWA taura | 3-8% | Teitei | Waenga |
| GHO | Aave DAO | Crypto kua hipa-ā-taura | 3-6% | Waenga | Eke mai |
USDT (Tether) kei te whai te pūkete DeFi teitei rawa, ā, i ētahi wā ka tuku reiti kārihi teitei ake nā te hiahia muku. Heoi anō, kua pātaihia tonutia te mārama o te pūtea o Tether's, ā, kua pā ki te kamupene ngā mahi whakahaere i ngā rohe maha. USDT kāore i te whakamanahia katoa pērā i a USDC, ā, ka whakaurua he papanga mōrearea whakawhirinaki kāore i te mea i te Circle.
DAI/USDS he kore-ā-roto, ā, he nui rawa te whakakotahi, e whakakaha ana i te kore e pā ki te mōrearea o te kaiwhakahaere pūmau. Heoi anō, he uaua ake te tikanga pūkete i te tautoko moni tika a USDC's. Ka taea e te Reiti Penapena DAI (DSR) me te Reiti Penapena Sky (SSR) te tuku hua whakaihiihi, engari ka whiwhi pūtea i ngā moni whiwhi a te tikanga, ā, ka rerekē nui te huringa.
GHO he moni pūmau taketake a Aave. Ko te whiwhi hua GHO mā te whakatūpato stkGHO ka ātaahua, engari he iti ake te waiwai o GHO, ā, he poto ake tōna hītori i te USDC. He pai rawa atu mō ngā kaiwhakamahi DeFi whea, kua mōhio kē ki te whakamahi i te pūnaha Aave.
He aha te USDC te kōwhiringa haumaru mō te hua
Mō te nuinga o ngā kaiwhakamahi, ka tuku a USDC i te hononga tino pai o te haumaru, te māmāwai, me te āheinga hua. He moni pūmau tino whakatūpato rawa, e tautokohia ana e te moni moni me ngā Pūkete U.S., me te māmāwai hohonu puta noa i ia tikanga DeFi nui me te whakawhitiwhiti. Ina whiwhi koe i te hua i runga i te USDC, kei te hanga koe i runga i te tūāpapa moni pūmau tino pakari e wātea ana i te ao crypto. Mō ngā rautaki hua moni pūmau whānui ake, tirohia tā mātou arā aratohu hua moni pūmau.
Ngā Take Taake mō te Piro USDC
Ko te painga ka whiwhi i runga i te USDC i te nuinga o ngā rohe ka whakaarohia hei moni ka taea te utu taima. Ahakoa ka rerekē ngā ture taima i ia whenua, anei ngā mātāpono matua me mārama ngā kaiwhakamahi nuinga. Mō tētahi tirohanga whānui, pānuihia tā mātou arotau taima crypto.
United States
Ko te painga USDC ka whakaarohia hei whiwhinga noa ā, ka tatunga i te reiti taake taketake o tōu. Ka taea te painga te utu taake ina whiwhiia, i te wā ka piri ki tō pūkete, ā, ka whakawhirinaki ki te hanganga papamahi. Me whakamōhio i ngā whiwhinga kārihi DeFi katoa, tae atu ki te hua mai i Aave, Morpho, Compound, me ngā papamahi pērā i a Coinstancy. Aroturukihia te uara mākete tika o te painga i whiwhiia i te rā ka piri, ā, whakamōhio i tēnei i tō pārehe taake. IRS aratohu mō te whakahaere taake motuhake mō DeFi kei te haere tonu ki te whanaketanga.
Te Uniana o Ūropi
I raro i ngā ture MiCA, ka taea te whakaurunga pānga o te stablecoin te whakakāhore hei moni haumi. Ka rerekē te whakahaere i ia kāwanatanga mema. I Wīwī, ka riro te moni crypto i te taima kotahi 30%. I Tiamana, ka taea te crypto i mau mō te roanga o te tau kotahi te kore taima, engari ka rerekē te whakahaere i ngā utu whakatere me te tuku. Tonoa he kaitohutohu taima ā-rohe mō ngā aratohu motuhake o te rohe.
Ngā Tikanga Pai mō te Tiaki Kōnae
- Rēhita te rā me te uara USD o ia utu pānga i whiwhi ai
- Aroturuki te papatono me te tikanga i whakamahia mō ia puna hua
- Puritia ngā rēhita o ngā tāke me ngā utu katoa
- Whakamahia te rorohiko taake crypto (Koinly, CoinTracker, me ērā atu) hei aunoa i te aroturuki
- Tonoa he mātanga taake e mōhio ana ki te pūkete moni matihiko
Kua rite ki te whakamahi i tō USDC?
Kaua e waiho tō USDC kia wātea. Whiwhi 7% APY me te tāpiri rā, kāore he here, me te tango tere i runga i a Coinstancy.
Tīmata Whiwhi Moni InāianeiNgā Pātai Auau
He aha te huarahi pai rawa ki te whiwhi painga i runga i te USDC i te tau 2026?
He haumaru ki te whiwhi hua i runga i te USDC?
E hia te moni ka whiwhi au i te $10,000 USDC?
Me utu tāke au mō ngā painga USDC?
Ka taea e te USDC te ngaro i tāna hononga ki te tāra?
Haere tonu ki te ako
Tirohia ētahi atu aratohu mō te hua o ngā moni pūmau me ngā rautaki DeFi.
Aratohu Hua Stablecoin
Aratohu katoa mō te whiwhi hua i runga i ngā moni pūmau. Whakataurihia ngā papatono, rautaki, me ngā taumata mōrearea mō te tau 2026.
Pānui Aratohu AratohuNgā Kaute Penapena Crypto Paihere
Whakataurihia ngā papatono penapena crypto rangatira i runga i ngā reiti, haumaru, me ngā āhuatanga. Kimihia te mea tino pai mō ō hiahia.
Pānui Aratohu AratohuUSDT ki USDC
Whakataurunga taipitopito o ngā moni pūmau nui e rua: ngā pūtea, te ture, te waiwai, me te mea pai ake mō te hua.
Pānui AratohuTimata te whiwhi pānga ki te USDC i tēnei rā
Whiwhi 7% APY i runga i te USDC me Coinstancy. Whakarāpopoto i ia rā, kāore he here, tango tere. Te ara māmā rawa ki te whakamahi i ō stablecoins ki te mahi.
Tīmata te whiwhi moni i te CoinstancyKua rite ki te whiwhi 7% APY i runga i te USDC?
Kāore he here. Whakarāpopoto i ia rā. Tangohia tonu. Timata te whiwhi pānga ki tō USDC me Coinstancy i tēnei rā.