Earn & Borrow
Yield and borrowing for your customers
Platforms use Base infrastructure and third-party lending markets to offer eligible customers variable stablecoin yield and loans against their digital assets.
Why Offer Earn & Borrow
Financing products that work for your business
Grow and retain assets on your platform
Give customers additional utility for supported balances, and a way to access liquidity without selling.
Scale your business
Earn from eligible stablecoin balances, or from fees on loans against assets your customers already hold.
Differentiate your product offering
Offer yield and borrowing options that set you apart from platforms where customers can only hold or sell.
Supplied Across Base Markets
28D average balances across tracked Base lending protocols, as of October 1, 2026.Lenders
Borrowers
Why Base
Deep, live lending markets on Base
4.45%Average Yield
Average USD stablecoin yield across Base lending markets, prior to any incentives.
Net New Assets
Add rewards on top of lending rates
Some protocols and ecosystem programs offer additional rewards on eligible markets. Talk to our team about programs for your app.
How It Works
Give customers more ways to use their assets
Deposit
A customer deposits supported stablecoins in your app.
Earn
Deposits earn a variable rate from borrowers across lending markets on Base.
Withdraw
Customers can withdraw and stop earning, subject to available liquidity and protocol terms.
The Stack
Base Earn is the stack that powers the product, and the service that helps you build it
- Your App: A customer deposits USDC in your app.
- Wallet: Holds customer assets and signs transactions. Your platform chooses the wallet and custody model. Examples: CDP Wallet, Any wallet.
- Vaults (optional): Borrowers pay interest on overcollateralized loans. That interest is the main source of yield.
- Lending Protocols: Independent curators choose which lending markets a vault supplies to and set its risk limits. Deposits can also go to a protocol directly. Examples: Morpho, Aave.
- Base: The network these apps, wallets and protocols run on. Deposits, loans, repayments and liquidations are recorded onchain.
Your App
A customer deposits USDC in your app.
Your App
A customer deposits USDC in your app.
Names are examples, not endorsements. Base has commercial relationships with Morpho and Aave. Vaults are run by independent curators. Base and Coinbase do not curate, manage or guarantee any vault.
Frequently Asked Questions
Supported stablecoins, such as USDC, supplied to third-party lending markets on Base. Supported assets vary by market.
This page is for informational purposes only. It is not investment, legal, tax or accounting advice and is not an offer, solicitation or recommendation to buy, sell, hold, lend or borrow any asset or to pursue any yield strategy. Rates, availability, liquidity, fees, withdrawals, loan terms, liquidation, eligibility and features vary by product, protocol, curator, integrating platform and jurisdiction, and are not guaranteed. Figures are as of the date shown. References to third-party protocols, assets, curators, apps or providers do not imply endorsement. Base has commercial relationships with some protocols named on this page, including Morpho and Aave.
Lending and borrowing through third-party protocols carries risks, including smart-contract failure, oracle errors, liquidation, stablecoin depegs and loss of funds.
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