Lending Market
Folks Finance · Avalanche
Frequently Asked Questions
What is the current APY for Lending Market?
The current spot APY for Lending Market on Folks Finance (Avalanche) is 5.11%. The 30-day average APY is 5.04%. All figures exclude external token rewards and are calculated from on-chain exchange rates only.
How much total value is locked in Lending Market?
The total value locked (TVL) in Lending Market is $577.8K. TVL measures the total USDC assets currently deposited in this vault.
Does the Lending Market yield include token rewards?
No. Earnbase tracks on-chain APY only, derived from the vault's exchange rate changes over time. External incentives, token rewards, points programs, and liquidity mining bonuses are not included in the reported APY.
Which network is Lending Market deployed on?
Lending Market is deployed on Avalanche. Network choice affects transaction costs, settlement speed, and which protocols are available. On-chain APY figures on Earnbase are calculated from exchange rate data on Avalanche directly.
Compare with Other USDC Strategies
| Strategy | Platform | Network | APY | TVL |
|---|---|---|---|---|
| Hub Capital USDC vault | Lagoon | Ethereum | 104.04% | $1.0M |
| High Yield USDC | Morpho | Mainnet | 103.36% | $1.8M |
| V2 - ID:20 | Silo | Sonic | 71.06% | $8.3K |
| Resolv USDC | Euler | Mainnet | 33.98% | $2.3K |
| Apostro | Euler | BNB | 28.33% | $1.0K |
| Euler Arbitrum Yield | Euler | Arbitrum | 21.93% | $1.4K |
| wsrUSD (Leveraged Looping) | IPOR Fusion | Mainnet | 16.59% | $4.1M |
| Hyperithm (Private Credit) | Wildcat | Mainnet | 15.00% | $30.0M |
| TAU Reservoir Pointsmax | IPOR Fusion | Ethereum | 14.04% | $589.4K |
| Coinshift Conservative USPC | Lagoon | Ethereum | 11.19% | $340.1K |
Lending Market
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Yield Overview
Lending Market is a USDC yield strategy on Folks Finance (Avalanche). It currently generates 5.11% APY (24h) with a 30-day average of 5.04%. The vault holds $577.8K in total value locked. APY is derived from the vault's on-chain exchange rate and does not include external incentives.
Folks Finance · Avalanche
Market Benchmarking
Within the USDC ecosystem, this product ranks #45 out of 160 strategies. Its 5.11% yield is 15.1% lower than the market average of 6.02%.
How Lending Market Compares
Lending Market currently ranks #45 among 160 monitored USDC strategies. However, with a TVL of $577.8K, it holds significantly less capital than higher-TVL alternatives like Core Vault ($28.4M).
Ecosystem Context
Positioned within the Avalanche ecosystem, this product's yield is 73.4% higher than the network average for USDC strategies. By TVL, this product ranks #5 of 9 USDC strategies on Avalanche.
About Folks Finance
Folks Finance is a DeFi protocol offering yield strategies tracked by Earnbase. Earnbase tracks 1 strategy on Folks Finance.
USDC on Avalanche#2 of 9
Yield Sustainability
The 24h APY of 5.11% is nearly identical to the 30-day mean, with only a 1.3% variance. This level of consistency is uncommon in DeFi and reflects a mature, well-calibrated yield source with predictable returns.
Yield Trajectory
Lending Market recorded a 24h APY of 5.11% in the most recent data point. Over the past 30 days, the product delivered positive yields on 30 out of 30 days. Week-over-week, yields have increased by 2.2%. The strongest 7-day period was Mar 07–Mar 13 averaging 5.17%, while the weakest was Mar 21–Mar 27 at 4.89%. Current 24h APY of 5.11% is 1.5% above the product's own 30-day average.
Weekly yields have improved for 1 consecutive week, with the most recent 7-day average of 5.00% representing a mid-range weekly performance in the tracked period.
Weekly Breakdown
Historical APY Statistics
Over the past 120 days, Lending Market's yield has shown a downward trend, with yields compressing from 5.37% to 4.86%, a 9.6% decline. The sustainability score of 98/100 aligns with a period of relative yield stability.
Historical TVL Statistics
Over the past 120 days, Lending Market's total value locked has experienced a contraction, declining from $742.2K to $681.4K, a 8.2% reduction.
History
FAQ
Yield & Performance
Lending Market on Folks Finance offers a 24-hour APY of 5.11%, a 30-day average of 5.04% on USDC. Yields are variable and update daily based on protocol activity.
Lending Market ranks #45 out of 160 monitored USDC strategies. Its current yield of 5.11% is 15.1% below the market average of 6.02%.
Earnbase rates the yield sustainability of Lending Market at 98/100, classified as "Very Stable". The 24h APY of 5.11% is nearly identical to the 30-day mean, with only a 1.3% variance. This level of consistency is uncommon in DeFi and reflects a mature, well-calibrated yield source with predictable returns.
Over the past 120 days, Lending Market has shown a downward yield trajectory. The average APY moved from 5.37% to 4.86%.
Lending Market has a yield volatility rating of "Moderate" (standard deviation: 0.82pp over 120 days). The APY has ranged from 3.86% to 9.40% in the tracked period, with an average of 5.18%.
Liquidity & TVL
Lending Market currently has a total value locked (TVL) of $577.8K in USDC deposits.
Lending Market holds $577.8K in USDC deposits. Across all 160 tracked USDC strategies, deposits range widely depending on the protocol and curator reputation. This vault's TVL of $577.8K places it within the broader spectrum of USDC opportunities tracked on Earnbase.
By total value locked, Lending Market ranks #5 of 9 USDC strategies on Avalanche. It currently holds $577.8K.
Lending Market's TVL is currently declining. Over the past 120 days, TVL moved from $742.2K to $681.4K, a -8.2% change. The 30-day high was $1.2M and the 30-day low was $370.4K.
Despite rising yields, capital has been flowing out. This may indicate concerns about sustainability or broader market rotation. In general, rising TVL in a lending vault can compress yields as more capital competes for the same borrow demand.
Over the past 30 days, Lending Market had 12 days of inflows and 17 days of outflows. The largest single-day inflow was +$164.4K (Mar 13, 2026) and the largest outflow was -$297.1K (Mar 11, 2026). Net 30-day TVL change: -20.0%.
Strategy & Access
Lending Market operates on the Avalanche network and is managed by Folks Finance. It accepts USDC deposits.
To deposit into Lending Market, you need USDC tokens on the Avalanche network. Visit the Folks Finance platform directly to connect your wallet and make a deposit.
Lending Market ranks among 9 monitored USDC strategies on Avalanche. Its yield of 5.11% is 73.4% above the Avalanche average of 2.94%.
Lending Market is deployed on Folks Finance's vault infrastructure. Fee structures are set at the protocol and curator level. Consult the vault directly for current performance and management fee rates.
Folks Finance is the DeFi protocol infrastructure that Lending Market operates on. It provides the smart contract layer for deposits, withdrawals, and strategy execution on the Avalanche network.
For illustrative purposes only. Based on the current 5.11% on-chain APY for USDC. Does not include external incentives. Past performance does not guarantee future results. Actual returns may vary.
This page provides informational data aggregated from on-chain sources and is not financial advice. Always verify data directly with Folks Finance before depositing.
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