USDC
HOLD · 65%Spark Savings · Ethereum · Stablecoin · Informational — not executable
new capital
keep position
urgency to leave
The differentiator is single-asset USDC lending on Ethereum, which avoids AMM impermanent loss but remains exposed to lending-market and stablecoin risks. The pool holds $273.30M and yields 3.6%. WealthVille's AI verdict is HOLD with 65% confidence.
Computed 2026-07-21 10:02 UTC from on-chain yield, liquidity-depth, and risk signals. Not financial advice.
Liquidityhelp
lock$273.30M
Total value locked
$0.00
24h volume
Yieldhelp
trending_up3.6%
total APYBase yield — no reward emissions
≈ 3.6%
adjusted · trailing 7d base (est.)
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The differentiator is single-asset USDC lending on Ethereum, which avoids AMM impermanent loss but remains exposed to lending-market and stablecoin risks. The pool holds $273.30M and yields 3.6%. WealthVille's AI verdict is HOLD with 65% confidence.
History
30d Low
$273.29M
Latest
$273.30M
30d High
$319.87M
Daily snapshots · data via DefiLlama
Performance
Efficiency & Flow
Pool Analysis
Yield breakdown
The quoted yield decomposes into 3.6% of base lending interest and — of incentives. Base interest is driven by borrower demand and utilization, so it can change over time; reward yield is currently absent or immaterial and should not be treated as a durable return source unless emissions, funding, and token liquidity are independently verified.
Risk profile
As a lender, the main family-specific risk is utilization and liquidation risk: a rise in borrowing demand can change the supply rate and make exits less orderly, while collateral shortfalls, oracle failures, or liquidation execution can contribute to bad debt. USDC depeg, smart-contract failure, and protocol governance risk also apply. Ethereum gas costs can materially drag on small positions or frequent rebalancing. This page is informational; WealthVille does not execute on EVM and executes on Solana.
Assets
USDC is the supplied and borrowed asset, so the position is intended to earn interest on a dollar-denominated stablecoin rather than gain exposure to a volatile token. Its liquidity depends on USDC market depth and the pool's available liquidity; a USDC depeg or sharp change in its market price reduces the position's dollar value and can affect exit conditions.
Strategy note
Before entering, check current utilization, available withdrawal liquidity, and the live supply rate, then compare expected interest with Ethereum gas for both entry and exit; avoid supplying an amount for which those two transactions would consume a material share of expected yield.
In plain English
You lend USDC to borrowers through spark-savings and receive interest. The rate can change, and problems with borrowers, the protocol, or USDC can reduce what you can withdraw.
Why this verdict
- • ai_engine=hold
Frequently asked questions
How does lending USDC on spark-savings work?
You supply USDC to the Ethereum lending market, where borrowers pay interest and suppliers receive a variable share of that interest. This pool currently quotes total yield of 3.6% on supplied USDC, before gas and other costs. #1
What is the liquidation risk for this market?
Liquidations apply to borrowers whose collateral no longer supports their debt, not directly to an unborrowed USDC supply position. Suppliers can still face losses if liquidations, oracles, protocol code, or collateral recovery fail and create bad debt. #2
Is the supply APY on USDC fixed or variable?
It is variable and generally changes with borrowing demand and utilization. The current decomposition is 3.6% base lending yield plus — in rewards, producing 3.6% total quoted yield. #3
How much of the yield comes from incentives vs interest?
The interest component is 3.6%, while incentives contribute —. Reward emissions can be reduced, ended, or become less valuable, so they should not be assumed to persist. #4
What happens to my position if utilization spikes?
The supply rate may rise as borrowers demand more USDC, but available liquidity for immediate withdrawal can become thinner. A sharp spike can also increase exposure to borrower stress and liquidation-related bad debt, so monitor utilization and withdrawal liquidity rather than relying only on 3.6%. #5
Token Details
USDC
Ethereum
Pool Details
Verdict from WealthVille’s multi-signal reconciliation engine. Informational only — not financial advice.
