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Maple·Ethereum·Overcollateralized institutional lending·Live

syrupUSDC

A dollar token earning interest from overcollateralized loans to institutional borrowers.

Current APYFloating rate
5.20%vs 14-day average
Short-term T-bill · 3.8%
CEX flexible median · 3.36%
Risk premium +140 bps
90-day range 4.18–5.23% · avg 4.76%
Yield sources
Institutional loan interestAbout yield sources →
※ IdentityData verified 75m ago · defillama
ProtocolMaple
BackingOvercollateralized institutional loans
Protocol age~3 years
DistributionShare appreciation (strict ERC-4626 unconfirmed)

Your token count never changes; the assets behind each share grow with yield — a market price above $1 is by design, not a depeg.

About share appreciation →
TVL$3.11B · USDC pool
IssuerMaple Finance
ChainEthereum
AuditsMultiple audits
Retail accessOpen (no KYC)

Yield profile

90-day range 4.18–5.23% · avg 4.76%
5.23%
4.88%
4.53%
4.18%
−90dToday
Low 4.18%High 5.23%Avg 4.76%Span 90 daysSource · DeFiLlama /chart

Risk profile

Where the yield comes from — and when it gets worseSix dimensions · objective facts
Yield source

Yield comes from interest on overcollateralized institutional loans; borrowers are KYC-verified institutions.

Redemption

The official withdrawal queue is ~30 days (third-party figure, unconfirmed); DEX exit is instant.

Peg

Supported by loan overcollateralization; borrower default plus collateral shortfall can impair principal.

Liquidity

Secondary DEX liquidity allows instant exit.

Issuer

Maple Finance — operating ~3 years, multiple audits.

Data freshness

Live from DeFiLlama (Maple USDC pool). Data verified 75m ago.

Yield calculator

EST.
Daily+$1.42
Monthly+$43.30
1 year · at current APY+$520
Range · 1 year+$418–523

Estimated at the current floating rate of 5.20%, in USD value · the rate moves with the market and is not locked · rough gross yield only.

※ Exit & links
Official redemption

Withdrawal queue ~30 days (unconfirmed figure)

Instant DEX exit

Sell syrupUSDC instantly on DEX · good depth

Gas estimate

Ethereum mainnet gas

Minimum

No minimum

Terms · Slippage / Cooldown / Gas

Where to buy
Maple official →Trade on DEX coming soon

Links to the official site or DEX only — not a recommendation, not investment advice.