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Earn & Borrow

Yield and borrowing for your customers

Platforms use Base infrastructure and third-party lending markets to offer eligible customers variable stablecoin yield and loans against their digital assets.

Why Offer Earn & Borrow

Financing products that work for your business

Grow and retain assets on your platform

Give customers additional utility for supported balances, and a way to access liquidity without selling.

Scale your business

Earn from eligible stablecoin balances, or from fees on loans against assets your customers already hold.

Differentiate your product offering

Offer yield and borrowing options that set you apart from platforms where customers can only hold or sell.

$0B+

Supplied Across Base Markets

28D average balances across tracked Base lending protocols, as of October 1, 2026.

0K+

Lenders

0K+

Borrowers

Why Base

Deep, live lending markets on Base

4.45%Average Yield

Average USD stablecoin yield across Base lending markets, prior to any incentives.

Net New Assets

Add rewards on top of lending rates

Some protocols and ecosystem programs offer additional rewards on eligible markets. Talk to our team about programs for your app.

How It Works

Give customers more ways to use their assets

  1. Deposit

    A customer deposits supported stablecoins in your app.

  2. Earn

    Deposits earn a variable rate from borrowers across lending markets on Base.

  3. Withdraw

    Customers can withdraw and stop earning, subject to available liquidity and protocol terms.

The Stack

Base Earn is the stack that powers the product, and the service that helps you build it

  1. Your App: A customer deposits USDC in your app.
  2. Wallet: Holds customer assets and signs transactions. Your platform chooses the wallet and custody model. Examples: CDP Wallet, Any wallet.
  3. Vaults (optional): Borrowers pay interest on overcollateralized loans. That interest is the main source of yield.
  4. Lending Protocols: Independent curators choose which lending markets a vault supplies to and set its risk limits. Deposits can also go to a protocol directly. Examples: Morpho, Aave.
  5. Base: The network these apps, wallets and protocols run on. Deposits, loans, repayments and liquidations are recorded onchain.

Your App

A customer deposits USDC in your app.

Names are examples, not endorsements. Base has commercial relationships with Morpho and Aave. Vaults are run by independent curators. Base and Coinbase do not curate, manage or guarantee any vault.

Frequently Asked Questions

Supported stablecoins, such as USDC, supplied to third-party lending markets on Base. Supported assets vary by market.

This page is for informational purposes only. It is not investment, legal, tax, or accounting advice, or an offer, solicitation, or recommendation to buy, sell, hold, lend, borrow, or transact in any asset or pursue any yield or borrowing strategy. Earn and borrowing products involve risks, including variable rates and fees, loss of assets, liquidity and withdrawal limits, collateral price changes and liquidation, and smart contract, oracle, market, and counterparty risks. Rates, yield, funding, availability, supported assets, limits, eligibility, fees, repayment, withdrawals, and collateral release vary by product, protocol, curator, platform, wallet arrangement, and jurisdiction, and are not guaranteed.

Base provides general-purpose blockchain infrastructure and may provide technical or ecosystem support and introductions to third parties. Base does not itself offer or manage Earn products, lend to end users, provide custody through this service, set rates, or guarantee yield, funding, liquidity, withdrawals, collateral recovery, or protection from liquidation. Provider roles depend on the implementation and applicable written terms; integrating platforms make their own product, risk, compliance, custody, and eligibility decisions. References to third parties do not imply endorsement or partnership. Businesses offering these products are responsible for their applicable legal, regulatory, licensing, consumer-protection, disclosure, AML/sanctions, risk, and eligibility requirements. Any support or incentives are subject to availability, eligibility, review, and separate written terms.

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