Folks Finance xChain · Avalanche

USDC

Overview

The Folks Finance xChain USDC pool on Avalanche is a single-asset lending position where suppliers earn variable interest on stablecoin deposits. The protocol generates yield by routing borrowing demand against pooled liquidity and distributing the resulting interest to lenders. Total APY stands at 7.94%, with no additional reward component. Over the past week, the rate has increased by 2.25%, but over the last month it has dropped by 13.93%, placing the current rate above the 30-day mean of 7.11%. TVL is $294K with no reported change in the past seven days; primary exposure here is depeg risk on the underlying stablecoin. For a single-asset stablecoin pool, this level of liquidity offers reasonable depth for lenders seeking to earn interest on USDC deposits.

Composed 2026-05-20 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 4.15%; 30-day mean is 3.99%. Yields can change as TVL and incentive emissions change.

• DefiLlama yield prediction

  DefiLlama's model classifies this pool's yield as "Stable/Up" with 72% confidence based on historical patterns.

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