Yield
USDC on KuCoin
KuCoin pays 0.28 % APY on USD Coin (USDC) as a Flexible rate. On YieldScope KuCoin carries a safety grade of D, scored across five risk criteria. Below: where USDC earns more — and where it earns safer.
WhiteBIT B Yield source: Exchange Earn
Where else USDC earns
KuCoin pays 0.28 % on USDC. Here's how other venues compare — by rate and by safety.
| Venue | APY | Terms | Grade |
|---|---|---|---|
| KuCoin (this page) | 0.28 % | Flexible | D |
 Lune.fi | 29.5 % | 🔒 360d lock | F |
 CoinDepo | 17 % | Flexible | F |
 Nebeus | 12 % | 🔒 120d lock | D |
 YouHodler | 12 % | Flexible | F |
| WhiteBIT | 10.9 % | 🔒 30d lock | B |
KuCoin is graded D. If safety matters more than a few extra basis points, Bitget Earn earns USDC at a higher grade (A).
Why KuCoin is graded D
Five binary safety criteria — each one passed or not. The more passed, the safer.
- ✗ Regulation
Permanently barred from the US (a 2026 CFTC order following a $297M DOJ settlement) and restricted for new clients in parts of the EU; registered in Seychelles with no major-market retail licence. Source →
- ✓ Proof-of-Reserves
Monthly Hacken proof-of-reserves for 32+ consecutive months, with recent coverage around BTC 115%, ETH 120% and USDT 125%. Source →
- ✓ Flexible withdrawal
Simple Earn flexible savings can be redeemed at any time, with rewards accruing daily. Source →
- ✗ Insurance Fund
A safeguard reserve is referenced, but its size is not publicly disclosed. Source →
- ✗ Track record (2+ years incident-free)
Founded 2017. A 2020 hack drained around $281M (users were reimbursed), and the 2025 DOJ settlement plus the 2026 US ban weigh on its record. Source →
USDC rate history on KuCoin
KuCoin changed this USDC rate 21 times in 39 days — it survives about 2 days on average. Today's figure says little about next week's.
Daily snapshots from YieldScope's rate sync. Hover to inspect any day.
How USDC yields moved across exchanges
from 2026-05-25 to 2026-07-29
Among the 20 venues we have USDC history for, KuCoin currently sits at #20 by rate — with 39 days of our own daily snapshots behind that number.
Source: daily snapshots via exchange APIs
Your money, this pair
How much will you earn?
Method: monthly compounding (1 + APR/12)ⁿ, where APR is the exchange's stated rate. The realized 12-month return is slightly higher due to reinvestment. Rates may change. Not financial advice.
This is not an affiliate link. Price for you doesn't change.
How USDC earns on KuCoin
When you deposit USDC into KuCoin's earn product you receive 0.28 % APY as a Flexible rate. The platform puts the asset to work and shares the yield — your balance grows without you doing anything.
This is a base rate, not a promotional teaser: it's what an ordinary deposit actually earns. KuCoin carries a YieldScope safety grade of D, so weigh the yield against platform risk — a higher rate on a weaker grade is not automatically a better deal.
Rates on USDC move with lending demand and market conditions. We re-check them daily and keep a history, so you can see whether today's number is unusually high, unusually low, or steady.