Illustration assumes a constant 8% annual return, compounded yearly. Fees and losses are not modeled.
Axil Pot APT
Your USDC,
earning every day.
A USDC yield vault backed by consumer credit.
Curated by AXIL.
Fees & withdrawals
About 10% of vault TVLShared by all holders. Subject to available cash and product terms.
Where the yield comes from
Consumer credit generates income. A separate liquidity allocation helps meet withdrawal requests.
- BNPL receivables
- Short-term consumer loans
- Short-duration credit assets
- Money market funds
- Cash
Credit losses can reduce returns and capital. The liquidity allocation does not guarantee immediate withdrawals.
THE CURATOR BEHIND THE VAULT
Institutional thinking. Applied on-chain.
AXIL is an on-chain Vault risk curator focused on real-world assets. Its approach brings asset selection, risk parameters and liquidity planning into the same conversation.
Meet AXIL- Your USDCOn-chain vault on Pharos
- No third-party DeFi exposure
- Segregated accountsRing-fenced fund flow
- Full due diligence
- Vetted originatorsConsumer lenders in emerging markets
- Concentration limits
- Consumer loansSmall-ticket · short-term
- Repayments returnBack to the vault
- Licensing
- Management
- Financials
- Loan data
- Underwriting
- Collections
- AML & sanctions
- Security
How it compares
Axil PotConsumer loans & BNPL 8%+Target APY · floating Same day*
T+0 depends on cash and a shared daily limit of about 10% of vault TVL. Regular withdrawal: T+1 to T+7. Returns are not guaranteed and principal is not protected. Capital is at risk.
Binance EarnUSDC Flexible Up to 7%Promo APR · ≤300 USDC Instant to Spot*
September promotion ends 30 Sep 2026. The first 300 USDC earns approximately 2% real-time APR plus a 5% bonus; amounts above 300 USDC earn the floating base rate. Redemption to Spot may be delayed if liquidity is insufficient; on-chain withdrawal is separate.
Huma PSTPayment financing 7–9%Indicative base APY · floating Up to 7 days*
The 7–9% range is an indicative comparison reference, not a verified current quote, guaranteed minimum or maximum. Classic base APY is updated monthly; HUMA rewards are separate. Check the app for the current rate. Redemptions require an unlocked position and are subject to the daily cap; a DEX sale involves liquidity and slippage risk.
Fasanara DigitalCredit · via Pareto 9.68%Displayed net APY Weekly cycle*
USDC lending to a delta-neutral trading strategy via Pareto. Investor verification is required. Redemptions follow weekly cycles and depend on the request window and borrower repayment; weekly does not mean instant access. APY is variable.
FalconXPrime Brokerage Vault · Pareto250k USDC minimum 7.82%Displayed net APY Monthly*
Pareto displayed 7.82% net APY on 28 Sep 2026 for FalconX USDC, curated by M11 Credit. The facility is repriced roughly every 30 days; the displayed cycle lasts 31 days. KYC and a 250,000 USDC initial minimum apply. Redemptions are monthly with notice and cycle cutoffs; confirm the selected vault terms. Returns depend on borrower repayment.
AaveUSDC · Ethereum V4 Core/Main 4.76%30D avg. base APY On-chain*
Average of the official daily supply APY samples for 29 Aug–27 Sep 2026, excluding rewards; not a realised 30-day return. Daily averages ranged from 3.03% to 9.10%. The spot rate was about 11.46% at the 28 Sep check. Rates change with utilisation; withdrawals depend on pool liquidity.
Ondo OUSGU.S. TreasuriesEligible investors only 3.50%Trailing 30-day APY 24/7 route*
APY reflects average net income over the previous 30 days. The instant USDC redemption route has a $5,000 minimum and is subject to investor eligibility, liquidity and transaction limits.
BlackRock BUIDLU.S. Treasuries & repoEligible investors only 3.48–3.82%APY · tracked share classes USDC route*
DefiLlama tracked APYs across nine BUIDL entries ranged from 3.48% to 3.82% on 28 Sep 2026. This is a cross-share-class range, not a historical trading range or issuer quote. The Ethereum Institutional entry had a 3.66% 30-day average. Investor eligibility and minimums apply; the USDC off-ramp depends on liquidity and route availability.
Franklin BENJIU.S. government money fundEligibility applies ≈3.6%7-day yield · 4 Sep 2026 Via Benji*
Franklin reported 3.57% 7-day current yield and 3.64% 7-day effective yield for FOBXX as of 4 Sep 2026. The headline rounds these to approximately 3.6%; they are two calculation methods, not the endpoints of a historical range. This dated reference is not a live quote. Eligibility, redemption and settlement follow fund terms.
Sky sUSDSProtocol savings rate 3.60%Displayed savings APY To USDS*
The variable Sky Savings Rate is funded by protocol surplus. sUSDS can be redeemed to USDS without a fixed lockup. Converting USDS to USDC is a separate step. This row excludes stUSDS and Pendle fixed-yield products.
Morpho · SteakhouseSafe × Steakhouse USDC · Ethereum 3.90%30D supply APY On-chain*
Specific example: Safe × Steakhouse USDC on Ethereum (vault 0xbEeF…D92F), not a platform-wide Morpho rate. The curator displayed 3.90% over 30 days, 4.07% over 7 days and 4.03% instant supply APY on 28 Sep 2026. Performance fee: 10%. Withdrawals depend on the vault and underlying market liquidity.
*Access is subject to liquidity, limits, eligibility and product terms. Rates are variable and not guaranteed. These are comparison products, not APT holdings or partners. This comparison is prepared by AXIL based on public information and for your reference only. AXIL does not guarantee the accuracy or completeness of the information with respect to any product not curated by AXIL.
FAQ
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