Yield
USDC on Nebeus
Nebeus pays 4.0 % APY on USD Coin (USDC) as a Flexible rate. On YieldScope Nebeus 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
Nebeus pays 4.0 % on USDC. Here's how other venues compare — by rate and by safety.
| Venue | APY | Terms | Grade |
|---|---|---|---|
| Nebeus (this page) | 4.0 % | Flexible | D |
 Lune.fi | 29.5 % | 🔒 360d lock | F |
 CoinDepo | 17 % | Flexible | F |
 YouHodler | 12 % | Flexible | F |
| WhiteBIT | 10.9 % | 🔒 30d lock | B |
 Ledn | 6.5 % | Flexible | F |
Nebeus is graded D. If safety matters more than a few extra basis points, Bitget Earn earns USDC at a higher grade (A).
Why Nebeus is graded D
Five binary safety criteria — each one passed or not. The more passed, the safer.
- ✓ Regulation
Genuinely regulated — VASP registration with Banco de España (July 2022, no. D664, entity Rintral Trading SL) and a MiCA CASP authorisation from CNMV (July 3, 2026) passported across 30 EEA countries. Source 1 → Source 2 →
- ✗ Proof-of-Reserves
No independent proof-of-reserves or reserve audit — no public PoR reports or on-chain dashboards exist. The only public claim is BitGo/Lloyd's custody insurance, which proves nothing about reserves. Source →
- ✗ Flexible withdrawal
The earning "renting" tiers (except the low-yield Sprout) require 1–4 month locks. Trustpilot also carries recurring complaints about withdrawal delays of up to 6 weeks and account freezes pending AML checks. Source 1 → Source 2 →
- ✗ Insurance Fund
The advertised $250M via Lloyd's is BitGo cold-custody insurance (hacks, key theft), NOT deposit insurance. Worse, it is unclear whether it covers funds in renting at all, since those are deployed as liquidity rather than held in BitGo custody. Source →
- ✓ Track record (2+ years incident-free)
Operating since 2014 — one of Europe's oldest surviving crypto fintechs; made it through the 2022 CeFi crisis with no public defaults. Caveats — a 2023 reputational episode around dubious reviews and a steady stream of support complaints. Source 1 → Source 2 →
USDC rate history on Nebeus
Over the 8 days we have recorded it, Nebeus changed this USDC rate once; the current one has held for 4 days.
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, Nebeus currently sits at #8 by rate — with 8 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.
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How USDC earns on Nebeus
When you deposit USDC into Nebeus's earn product you receive 4.0 % 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. Nebeus 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.