Accountable · Monad

USDC (Earn ACC Points)

Overview

The Accountable USDC pool on Monad is a single-asset lending position where suppliers earn variable interest on stablecoin deposits. The protocol generates yield by routing borrowing demand against pooled USDC liquidity and paying suppliers from the resulting interest spread. This pool stands as one of several venues for USDC lending on Monad.

Total APY of 9.0% combines base lending at 8.0% with an additional reward layer of 1.0%. The 7-day trend shows a decrease of 1.71%, and the 30-day trend indicates a decline of 2.22%, placing the current rate below the 30-day mean of 10.65%. This pattern suggests that borrower demand for stablecoin lending is slightly contracting.

TVL currently stands at $293K, with a 7-day decrease of approximately 1.71%, indicating modest outflows relative to its size. The primary risk exposure here is depeg risk on the underlying USDC stablecoin. Given the nature of uncollateralized lending, supply-side rates remain sensitive to changes in borrower demand and liquidity depth.

Composed 2026-05-22 from the structured data above. See methodology for the full pipeline.

Risk profile

• Smart contract risk

  Funds are deposited into a smart contract. A bug or exploit in the contract could lead to total loss. Audits reduce, but do not eliminate, this risk. Check the protocol page for audit history.

• Depeg risk

  The pool is built on stablecoins. A depeg of any underlying asset would impact returns and principal.

• Yield variability

  Current APY is 11.98%; 30-day mean is 11.37%. Yields can change as TVL and incentive emissions change.

• DefiLlama yield prediction

  DefiLlama's model classifies this pool's yield as "Stable/Up" with 54% confidence based on historical patterns.

These notes are derived from the pool's structured data, not editorial advice. See our methodology.