OKX

USDC On-chain Earn

Managed DeFi

The provider places funds into DeFi protocols on your behalf.

CustodialSimple

3.34% estimated APR

USDC

Verified Aug 8, 2026

How your money earns

You
OKX
Spark
Borrowers

Where the return comes from

On-chain DeFi lending

OKX allocates deposited USDC into on-chain DeFi protocols. Its current USDC product uses Spark and distributes the resulting rewards through the OKX account experience.

Source →

What you take on

OKX custody
Spark smart contracts
Lending market
USDC

Adds underlying DeFi protocol and smart-contract exposure on top of reliance on OKX and USDC.

Access

Availability: Availability, underlying protocols and rates vary by market.
Lock-up and liquidity: Flexible; redemption processing may take time

Underlying stablecoin

View USDC profile