Frequently Asked Questions
What is the current APY for Universal USDC?
The current spot APY for Universal USDC on Morpho (Base) is 0.00%. The 30-day average APY is 0.10%. All figures exclude external token rewards and are calculated from on-chain exchange rates only.
How much total value is locked in Universal USDC?
The total value locked (TVL) in Universal USDC is $103.5K. TVL measures the total USDC assets currently deposited in this vault.
Does the Universal USDC 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.
Who curates Universal USDC?
Universal USDC is curated by Re7. Curators set the risk parameters, asset allocations, and rebalancing strategy for the vault. They are responsible for selecting which lending markets or protocols receive deposits. You can view all strategies curated by Re7 on the Re7 curator page on Earnbase.
Compare with Other USDC Strategies
| Strategy | Platform | Network | APY | TVL |
|---|---|---|---|---|
| Syntropia Boosted | Lagoon | Ethereum | 16.05% | $345.2K |
| Bitcoin Dollar USDC | IPOR Fusion | Ethereum | 15.62% | $312.8K |
| 722Capital USDC | Lagoon | Base | 15.52% | $1.2M |
| Hyperithm (Private Credit) | Wildcat | Mainnet | 15.00% | $30.0M |
| USDC Vault | 40 Acres | Base | 13.74% | $8.1M |
| mHYPER Looping | IPOR Fusion | Ethereum | 13.70% | $124.0K |
| Coinshift Conservative USPC | Lagoon | Ethereum | 13.33% | $193.5K |
| 40 Acres Autocompounder | Harvest | Base | 12.24% | $2.0M |
| Earn - avUSDC | Avantis | Base | 11.98% | $45.3M |
| Gami Stake DAO USDC | Lagoon | Ethereum | 11.91% | $303.9K |
More Morpho Strategies
Universal USDC
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Yield Overview
Universal USDC is a USDC yield strategy on Morpho, curated by Re7. No yield data is available for the most recent period.
Curated by Re7 · Base
Market Benchmarking
No yield data available. This product is tracked within the USDC ecosystem alongside 153 strategies.
How Universal USDC Compares
Universal USDC currently ranks #150 among 153 monitored USDC strategies. However, with a TVL of $103.5K, it holds significantly less capital than higher-TVL alternatives like Hyperithm (Private Credit) ($30.0M).
Ecosystem Context
Positioned within the Base ecosystem, this product's yield is 100.0% lower than the network average for USDC strategies. This strategy is curated by Re7, with 7 Re7 strategies tracked on Earnbase across 4 networks. Within Morpho, it competes against 60 other USDC strategies. By TVL, this product ranks #38 of 45 USDC strategies on Base.
About Morpho
Morpho is a decentralized lending protocol that enables the creation of isolated lending markets and curated vaults. Earnbase tracks 61 strategies on Morpho.
USDC on Base
Yield Sustainability
An extreme 100.0% deviation from the historical average suggests the current yield level is unlikely to persist. This pattern is often driven by temporary incentive programs, one-off events, or rapid capital reallocation.
Yield Trajectory
Universal USDC has been on a 23-day flat streak, with APY rising from 0.00% to 0.00% over this period. Over the past 30 days, the product delivered positive yields on 11 out of 30 days. Week-over-week, yields have increased by 0.0%. The strongest 7-day period was Apr 21–Apr 27 averaging 0.75%, while the weakest was May 05–May 11 at 0.00%. Current 24h APY of 0.00% is 100.0% below the product's own 30-day average.
Weekly Breakdown
Historical APY Statistics
Over the past 146 days, Universal USDC's yield has shown a downward trend, with yields compressing from 4.04% to 2.29%, a 43.3% decline. The sustainability score of 10/100 aligns with a reversion from previously unsustainable levels.
Historical TVL Statistics
Over the past 165 days, Universal USDC's total value locked has experienced a contraction, declining from $352.1K to $115.2K, a 67.3% reduction.
History
FAQ
Yield & Performance
Universal USDC on Morpho offers a 24-hour APY of 0.00%, a 30-day average of 0.10% on USDC. Yields are variable and update daily based on protocol activity.
Universal USDC ranks #150 out of 153 monitored USDC strategies. Its current yield of 0.00% is 100.0% below the market average of 4.51%.
Earnbase rates the yield sustainability of Universal USDC at 10/100, classified as "Very Low Stability". An extreme 100.0% deviation from the historical average suggests the current yield level is unlikely to persist.
Over the past 146 days, Universal USDC has shown a downward yield trajectory. The average APY moved from 4.04% to 2.29%.
Universal USDC has a yield volatility rating of "Moderate" (standard deviation: 1.65pp over 146 days). The APY has ranged from 0.00% to 13.56% in the tracked period, with an average of 3.35%.
Liquidity & TVL
Universal USDC currently has a total value locked (TVL) of $103.5K in USDC deposits.
Universal USDC holds $103.5K in USDC deposits. Across all 153 tracked USDC strategies, deposits range widely depending on the protocol and curator reputation. This vault's TVL of $103.5K places it within the broader spectrum of USDC opportunities tracked on Earnbase.
By total value locked, Universal USDC ranks #38 of 45 USDC strategies on Base. It currently holds $103.5K.
Universal USDC's TVL is currently declining. Over the past 165 days, TVL moved from $352.1K to $115.2K, a -67.3% change. The 30-day high was $801.1K and the 30-day low was $103.5K.
Both yield and TVL are declining, and depositors may be exiting in response to falling returns. 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, Universal USDC had 7 days of inflows and 21 days of outflows. The largest single-day inflow was +$21 (Apr 22, 2026) and the largest outflow was -$4.1K (May 01, 2026). Net 30-day TVL change: -12.4%.
Strategy & Access
Universal USDC operates on the Base network and is managed by Morpho. It accepts USDC deposits. The strategy is curated by Re7.
To deposit into Universal USDC, you need USDC tokens on the Base network. Visit the Morpho platform directly to connect your wallet and make a deposit.
Universal USDC ranks among 45 monitored USDC strategies on Base. Its yield of 0.00% is 100.0% below the Base average of 4.95%.
Universal USDC is deployed on Morpho's vault infrastructure. Fee structures are set at the protocol and curator level. Consult the vault directly for current performance and management fee rates.
Morpho is the DeFi protocol infrastructure that Universal USDC operates on. It provides the smart contract layer for deposits, withdrawals, and strategy execution on the Base network.
For illustrative purposes only. Based on the current 0.00% 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 Morpho before depositing.
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