CashRate WatchUSDC rewards rates on exchanges
Updated Nov 3, 2026 · 1 option with a confirmed rate shown on this page
Some crypto exchanges pay rewards for holding USDC, a dollar-pegged stablecoin. These balances are not FDIC- or SIPC-insured, eligibility varies by country and state, and US rules on stablecoin rewards are still being settled. Kraken also advertises USDC rewards, but they are not confirmed for US users, so we do not list them. See our USDC vs high-yield savings comparison.
| Name | Type | Rewards rate | Risk label | Source |
|---|---|---|---|---|
| Coinbase USDC rewardsRewards exclusive to Coinbase One members | USDC | 3.75%rewards rate | Not insured | source |
Savings and broker cash show APY. Money market funds show 7-day yield. T-bills show the auction high investment rate (bond-equivalent yield). USDC shows a rewards rate, not interest. Rates checked Nov 3, 2026; they change often, so always confirm on the provider's site. Not financial advice.
About USDC rewards rates: these are rewards set by each platform. They are not interest or APY, are not guaranteed, can change or stop at any time, may require a paid membership (for example Coinbase One), and may not be available in every state. USDC is not FDIC- or SIPC-insured. Nothing here is a recommendation to buy crypto.
- Top 3.75% Coinbase USDC rewards
History starts Oct 2026. 5 rate checks so far (Oct 21, 2026 to Nov 3, 2026); a point is added each week.
What the risk labels mean
- FDIC
- A bank deposit. If the bank fails, the FDIC covers up to $250,000 per depositor, per bank, per ownership category. Broker "cash sweep" accounts spread money across partner banks to raise that limit.
- SIPC
- A security held at a brokerage, such as a money market fund. SIPC protects you if the brokerage fails and your assets go missing (up to $500,000, including $250,000 cash). It does not protect against the fund losing value. Government money funds aim for a stable $1 share price, which is not guaranteed.
- Treasury-backed
- A direct loan to the US government (T-bills). There is no insurance, and none is needed in the usual sense: you are paid by the US Treasury. If you sell before maturity the price can move a little.
- Not insured
- Crypto stablecoin rewards (USDC). There is no FDIC or SIPC coverage. You depend on the exchange, the stablecoin issuer, and rules that are still being written.
- FDIC / SIPC
- A mix. For example, part of the balance is held as brokerage cash (SIPC) and the rest is swept to banks (FDIC).
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