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 7.78%. The 30-day average APY is 6.98%. 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 $296.1K. 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 |
|---|---|---|---|---|
| Bitcoin Dollar USDC | IPOR Fusion | Ethereum | 17.17% | $312.6K |
| Syntropia Boosted | Lagoon | Ethereum | 16.05% | $345.2K |
| 722Capital USDC | Lagoon | Base | 15.52% | $1.2M |
| Hyperithm (Private Credit) | Wildcat | Mainnet | 15.00% | $30.0M |
| mHYPER Looping | IPOR Fusion | Ethereum | 13.65% | $124.0K |
| Coinshift Conservative USPC | Lagoon | Ethereum | 13.33% | $193.5K |
| Earn - avUSDC | Avantis | Base | 12.08% | $44.8M |
| USDC Vault | 40 Acres | Base | 12.06% | $7.8M |
| Gami Stake DAO USDC | Lagoon | Ethereum | 11.91% | $303.9K |
| Syntropia USDC Core | Lagoon | Ethereum | 11.74% | $996.0K |
Lending Market
Opens external site. Rates may differ due to refresh timing.
Opens external site. Rates may differ due to refresh timing.
Yield Overview
Lending Market is a USDC yield strategy on Folks Finance (Avalanche). It currently generates 7.78% APY (24h) with a 30-day average of 6.98%. The vault holds $296.1K 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 #21 out of 153 strategies. Its 7.78% yield is 71.9% higher than the market average of 4.53%. While not the highest available, this strategy outperforms the majority of tracked USDC opportunities.
How Lending Market Compares
Lending Market currently ranks #21 among 153 monitored USDC strategies. However, with a TVL of $296.1K, it holds significantly less capital than higher-TVL alternatives like USDC Reactor ($3.3M).
Ecosystem Context
Positioned within the Avalanche ecosystem, this product's yield is 49.3% higher than the network average for USDC strategies. By TVL, this product ranks #5 of 8 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#3 of 8
Yield Sustainability
Current yield of 7.78% shows a 11.5% variance from the 30-day average, well within normal operating bands.
Yield Trajectory
Lending Market recorded a 24h APY of 7.78% 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 declined by 28.1%. The strongest 7-day period was May 06–May 12 averaging 8.29%, while the weakest was Apr 22–Apr 28 at 5.64%. Current 24h APY of 7.78% is 12.6% above the product's own 30-day average.
Weekly yields have declined for 1 consecutive week. The most recent 7-day average stands at 5.96%.
Weekly Breakdown
Historical APY Statistics
Over the past 167 days, Lending Market's yield has shown a upward trend, with yields expanding from 5.53% to 6.56%, a 18.7% increase. The sustainability score of 86/100 aligns with a period of relative yield stability.
Historical TVL Statistics
Over the past 167 days, Lending Market's total value locked has experienced a contraction, declining from $689.0K to $449.3K, a 34.8% reduction.
History
FAQ
Yield & Performance
Lending Market on Folks Finance offers a 24-hour APY of 7.78%, a 30-day average of 6.98% on USDC. Yields are variable and update daily based on protocol activity.
Lending Market ranks #21 out of 153 monitored USDC strategies. Its current yield of 7.78% is 71.9% above the market average of 4.53%.
Earnbase rates the yield sustainability of Lending Market at 86/100, classified as "Stable". Current yield of 7.78% shows a 11.5% variance from the 30-day average, well within normal operating bands.
Over the past 167 days, Lending Market has shown an upward yield trajectory. The average APY moved from 5.53% to 6.56%.
Lending Market has a yield volatility rating of "Moderate" (standard deviation: 1.72pp over 167 days). The APY has ranged from 3.86% to 15.68% in the tracked period, with an average of 5.65%.
Liquidity & TVL
Lending Market currently has a total value locked (TVL) of $296.1K in USDC deposits.
Lending Market holds $296.1K in USDC deposits. Across all 153 tracked USDC strategies, deposits range widely depending on the protocol and curator reputation. This vault's TVL of $296.1K places it within the broader spectrum of USDC opportunities tracked on Earnbase.
By total value locked, Lending Market ranks #5 of 8 USDC strategies on Avalanche. It currently holds $296.1K.
Lending Market's TVL is currently declining. Over the past 167 days, TVL moved from $689.0K to $449.3K, a -34.8% change. The 30-day high was $1.2M and the 30-day low was $226.2K.
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 +$144.7K (May 10, 2026) and the largest outflow was -$544.0K (Apr 28, 2026). Net 30-day TVL change: -69.4%.
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 8 monitored USDC strategies on Avalanche. Its yield of 7.78% is 49.3% above the Avalanche average of 5.21%.
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 7.78% 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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