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Reading: Automatically earn up to 3.75% APR on all USDC held on Kraken
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Smart Contracts

Automatically earn up to 3.75% APR on all USDC held on Kraken

Last updated: February 18, 2026 3:55 am
Published: 1 day ago
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For too long, earning on stablecoins has come with strings like lockups or extra settings. Trade-offs that force you to choose between accessibility and yield. We think that’s backwards.

That’s why Kraken is launching USDC rewards that make earning the default, not a feature you have to hunt for, not a perk gated behind complex decisions, and not something that limits how you use your money.

Your USDC simply starts earning in the background the moment it’s in your account. Rewards accrue by the second and are paid out weekly.

One of the biggest frustrations with earning products is the fine print: assets get locked, trading is restricted, or withdrawals take time.

Kraken’s approach is different. While your USDC earns rewards, it remains:

You can move in and out of positions, respond to market conditions, or withdraw funds instantly, all while rewards accrue automatically in the background.

Earning doesn’t come at the expense of accessibility.

Many platforms hold USDC without paying users anything unless they subscribe, opt into separate products, or give up liquidity.

At Kraken, earning is not a subscription perk or a special setting. It’s the baseline experience.

If you’re currently holding USDC on another platform and earning nothing, this changes the equation. Your capital doesn’t need to sit idle, and you don’t need to commit to lockups or complex strategies just to earn a reasonable return.

Kraken’s USDC rewards are designed to be simple and transparent:

And importantly, higher rewards don’t come with added friction. No new products to manage. No change in liquidity. No extra decisions.

Stablecoin Rewards is built for simplicity and liquidity; earning that just works.

For users who want to explore more advanced opportunities, DeFi Earn is a complementary option. It offers easy access to onchain USDC yield opportunities.

Geographic restrictions apply. Rewards rates are determined and paid out by Kraken in its sole discretion and are subject to change. See our Terms of Service for more info. Due to its partnership with Circle, Kraken receives an economic benefit with respect to amounts of USDC minted, held on platform, and received in on-chain transfers.

Rewards are variable and not guaranteed; you can lose some or all of your assets. Interacting with on-chain smart contracts involves risks which are further detailed in the terms of service, including technological risk (bugs, exploits, and oracle/MEV/bridge failures), market risk (price volatility, de-pegs, and liquidation where relevant), and operational risk (irreversible transactions, gas fees, network congestion). Kraken does not control third-party protocols. Offered by Payward Wallet, LLC. Fees apply. Availability varies by jurisdiction.

Read more on Kraken Blog

This news is powered by Kraken Blog Kraken Blog

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