Banks offer 3–4% on savings. DeFi is paying 7–10% on stablecoins. Here's where to put your USDC.
Aave V3 on Arbitrum pays 7.8% APY on USDC. $12B TVL. Audited 8 times. The gold standard of DeFi lending. No lock-up. Withdraw anytime.
Kamino Finance on Solana pays 7.2% on USDC with $0.0001 gas fees. Best for small investors who can't afford Ethereum gas on every deposit/withdrawal.
Venus Protocol on BNB Chain offers 9.8% on USDT — the highest safe yield on any major lending protocol. 3-year track record. Lower security than Ethereum.
DeFi yields change daily. Smart contract risk is real — use only audited protocols. Never put more than 30% of portfolio into DeFi lending. Diversify across protocols.
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