Goldfinch · Ethereum

USDC

Overview

The Goldfinch USDC pool on Ethereum 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 paying suppliers from the resulting interest spread. Total APY stands at 10.06%, with no additional reward component. Both the 7-day and 30-day trends are flat, indicating stability around this rate, which aligns closely with the 30-day mean of 10.06%. TVL is $37M without a reported change over the past week; primary exposure is depeg risk on the underlying stablecoin. Given its focus on real-world asset lending, utilisation rates in this pool reflect typical demand for such collateral-backed loans.

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 10.12%; 30-day mean is 10.12%. Yields can change as TVL and incentive emissions change.

• DefiLlama yield prediction

  DefiLlama's model classifies this pool's yield as "Down" with 64% confidence based on historical patterns.

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