CoinPayBank is an education site, not a bank. We don’t hold funds, take deposits or make loans. Not financial advice. Read disclaimer

Coin PayBe Your Own Bank

Self-custody, explained calmly

Coin Pay — Be Your Own Bank

We're not a bank. We show you how to become the bank — hold, earn on, borrow against and move your own crypto.

Start with the Vault
See today's rates

Education only — we never hold your money.

The five jobs of a bank

What a bank does — and what you can do yourself

Each track explains one banking job you can learn to handle with your own crypto, with the trade-offs spelled out.

Vault

A bank keeps your money in its vault. You can hold your own keys in a hardware or smart wallet.

Explore the Vault →

Savings

A bank pays you a small rate. You can compare variable on-chain lending yields — and their risks.

Compare savings →

Credit

A bank checks your score. You can borrow against your own collateral — and see your liquidation price.

Understand credit →

Lending Desk

A bank lends your deposits out. You can supply assets to lending markets and learn how they work.

Visit the Lending Desk →

Pay

A bank moves money in days. You can send stablecoins across chains in minutes, for cents.

Learn to Pay →

Live data

Today's USDC lending rates

Variable yields pulled from public DeFi data, with the date shown. Higher rates usually mean higher risk — check the Risk Center before acting.

Live stablecoin & asset lending rates

Crypto lending yields by protocol, chain and asset
Details
Jupiter LendSolanaUSDC6.69%—6.69%$482MPool on DefiLlama (opens in new tab)
Aave V3EthereumUSDC3.78%—3.78%$151MPool on DefiLlama (opens in new tab)
FluidEthereumUSDC6.04%—6.04%$134MPool on DefiLlama (opens in new tab)
FluidArbitrumUSDC6.13%—6.13%$57MPool on DefiLlama (opens in new tab)
Aave V3EthereumUSDC3.78%1.81%5.59%$54MPool on DefiLlama (opens in new tab)
Aave V3ArbitrumUSDC2.29%—2.29%$53MPool on DefiLlama (opens in new tab)

Last updated October 15, 2026 9:02 pm · Source: DefiLlama

APYs are variable and change block by block. Incentive APY is paid in reward tokens whose price can fall. Utilization shown on protocol page.

Education only, not financial advice. Rates change and are not guaranteed. CoinPayBank is not a bank.

Sources

See all rates

Free tools

Run the numbers first

Loan calculator

Estimate interest, LTV and repayment on a crypto-backed loan before you borrow.

Open the calculator →

Liquidation simulator

Drag the price down and watch your health factor move from green to red.

Run the simulator →

Bank vs DeFi comparator

Compare a high-yield savings account, USDC lending and tokenized T-bills side by side.

Compare options →

Start here

A calm three-step learning path

This is an example path for learning, not a recommendation. Read each step, understand the risks, and decide for yourself.

Step 1

Learn the on-ramp

See how people commonly buy USDC on a regulated exchange like Coinbase, and what fees and verification to expect.

Read the Vault track →

Step 2

Understand Base

Learn how moving USDC to a self-custody wallet on Base (a low-fee Ethereum layer 2) works — and how to test with a small amount.

Read the Chains track →

Step 3

Study Aave or Morpho

Understand how lending markets like Aave or Morpho pay variable yields, and the smart-contract risks involved.

Read the Savings track →

Latest guides

All articles →

The Weekly Rate Report

One calm email a week: where stablecoin and staking yields moved, what changed in risk, and one thing to learn. No hype, no spam.

Unsubscribe anytime. We never sell your email.

We are not a bank.

CoinPayBank is an education site. We don't hold funds, take deposits or make loans, and nothing here is FDIC-insured. We explain how self-custody tools work so you can make your own decisions.

  • Education only — not financial, legal or tax advice.
  • Crypto is risky. You can lose some or all of your capital.
  • Rates are variable and always shown with a date. We never promise returns.

Read the full disclaimer · Visit the Risk Center