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Beta·March 2026·Join Early Access→
TVL $46MAPY 2.99%low riskUpdated Feb 1, 2025

Aave Polygon USDC

Supply USDC to Aave V3 on Polygon. Access stablecoin yields on the established Polygon network with ultra-low transaction fees.

ProtocolAave V3
Networkpolygon
SymbolAPOLUSDC
CategoryMoney Markets
Underlying Assets
USDC
Contract Address0xa4d94019934d8333ef880abffbf2fdd611c762bd

What is Aave Polygon USDC?

Aave Polygon USDC is a lending market for USDC on Aave V3's Polygon deployment. Polygon supports both bridged USDC.e and native Circle USDC, giving users options for stablecoin exposure. This market provides consistent stablecoin yields in Polygon's mature DeFi ecosystem.

How This Market Works

USDC lending on Polygon follows standard patterns:

  1. Bridge USDC or acquire native USDC on Polygon
  2. Deposit into Aave V3 lending pool
  3. Receive aPolUSDC tokens representing your position
  4. Earn interest from USDC borrowers
  5. Withdraw USDC plus yield anytime
Dual USDC: Polygon has both USDC.e (bridged) and native USDC. Check which version is supported and which you're interacting with.

What Assets Are Involved

Supply Asset: USDC on Polygon (native or bridged) Receipt Token: aPolUSDC - Aave Polygon deposit token

USDC on Polygon is used for:

  • Stablecoin yield with minimal fees
  • Trading on Polygon DEXs
  • Yield farming in Polygon DeFi
  • Low-cost position management

Native vs Bridged USDC

Polygon offers both:

  • USDC (native): Directly issued by Circle on Polygon
  • USDC.e (bridged): Bridged from Ethereum, older version

Native USDC provides better security guarantees but has less historical liquidity.

Risk Disclosures

Smart Contract Risk: Aave V3 contracts are audited and battle-tested. Stablecoin Risk: USDC depends on Circle's operations and reserves. Bridge Risk: Bridged USDC.e has bridge contract dependencies. Network Security: Polygon PoS has different security than Ethereum L1. Utilization Risk: Stablecoin markets can see high utilization during volatility. Oracle Risk: Accurate USDC pricing on Polygon is essential. Regulatory Risk: Circle's regulatory compliance affects USDC operations. MATIC Dependency: Requires MATIC for transaction fees.

Related Money Markets

Aave Ethereum WETH1.25% APYAave Ethereum USDT2.45% APYAave Ethereum wstETH0.01% APYAave Ethereum USDC3.47% APYAave Ethereum WBTC0.01% APY
Disclaimer: APY and TVL figures are based on on-chain data and may fluctuate. Past performance does not guarantee future results. DeFi investments carry smart contract, market, and liquidity risks. This content is for informational purposes only and does not constitute financial advice. Always conduct your own research before investing.

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