Yield
USDC on Lune.fi
Lune.fi pays 18 % APY on USD Coin (USDC) as a Flexible rate. On YieldScope Lune.fi carries a safety grade of F, 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
Lune.fi pays 18 % on USDC. Here's how other venues compare — by rate and by safety.
| Venue | APY | Terms | Grade |
|---|---|---|---|
| Lune.fi (this page) | 18 % | Flexible | F |
 CoinDepo | 17 % | Flexible | F |
 Nebeus | 12 % | 🔒 120d lock | D |
 YouHodler | 12 % | Flexible | F |
| WhiteBIT | 10.4 % | 🔒 30d lock | B |
| Nebeus | 9.0 % | 🔒 30d lock | D |
Lune.fi is graded F. If safety matters more than a few extra basis points, WhiteBIT earns USDC at a higher grade (B).
Why Lune.fi is graded F
Five binary safety criteria — each one passed or not. The more passed, the safer.
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Regulation
No licence. The site footer names a legal entity — Lune International Holdings LTD, an IBC of the Republic of Seychelles, reg. no. 250439 — but that is the venue's own claim, not a verified fact: Seychelles publishes no public register of ACTIVE IBCs, and the FSA search covers only struck-off and dissolved companies (this one is not among them). What is verifiable: the VASP Act 2024 has been in force since 1 September 2024, virtual-asset services with a nexus to Seychelles require a licence, and the transitional period ended 31 December 2024. In the FSA register the "licensed VASPs" section is EMPTY across all four categories as of 1 Sep 2026 — nobody holds a licence yet. The "assessment" section, which lists firms that filed a complete application and may therefore keep operating until the regulator decides, names OKX, Bybit, eToro, Bequant, Thecorio and BTG Technology. Lune appears in neither section. An IBC registration on its own is company formation, not permission to take client money: no supervision, no capital requirement, no client-money protection. The team is anonymous and there is no KYC. Earlier reviews cited the Grenadines as headquarters, which conflicts with the current claim. Source 1 → Source 2 → Source 3 → Source 4 →
- ✗
Proof-of-Reserves
Proof-of-reserves is mentioned nowhere. The claimed "continuous security audits" come with no auditor name and not a single published report. The TVL and trading volumes that supposedly fund the yield are undisclosed. Source →
- ✓
Flexible withdrawal
You can withdraw on any day: the 1-day pool (18% on USDT/USDC, 14% on BTC/ETH) pays interest every 24 hours and returns the principal after one day. Longer pools pay more — up to 29.5% for 360 days — but leaving one before its term ends returns only the principal: all interest for that pool is forfeited. Both ends of this ladder are shown in the rates. Source →
- ✗
Insurance Fund
No deposit insurance — the platform itself admits there is no FDIC-style protection and no insurance fund. The Fireblocks/Safe Wallet mentions are marketing claims with no independent verification. Source →
- ✗
Track record (2+ years incident-free)
No verifiable history: no independent press, no public metrics, not a single Reddit thread. The economics of 29.5% on stables "from 0.4–5.9% swap fees" do not publicly add up — the same unexplained-yield pattern Anchor (−100%, 2022) and Celsius (bankrupt, 2022) showed before collapsing. Source →
USDC rate history on Lune.fi
Lune.fi has not changed its USDC rate once in the 67 days we have been recording it — the number you see today is the number it has always paid.
Daily snapshots from YieldScope's rate sync. Hover to inspect any day.
How USDC yields moved across exchanges
from 2026-05-25 to 2026-09-26
Among the 19 venues we have USDC history for, Lune.fi currently sits at #1 by rate — with 67 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 Lune.fi
When you deposit USDC into Lune.fi's earn product you receive 18 % 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. Lune.fi carries a YieldScope safety grade of F, 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.