Introducing Stable Rate: Predictable Onchain Yield

Onchain USDC lending rates are always changing: supply USDC into Aave today and you earn the rate available at that moment, not a rate you can rely on for the rest of the month. Stable Rate lets you lock in a known USDC yield for a fixed term — either on a vault position you already hold or by depositing directly into a new locked position — with your shares and principal remaining in the underlying vault. If the vault earns less than the Stable Rate, ACCRUE covers the difference from its own capital; if it earns more, ACCRUE keeps the excess. The term is 30 days, the vault contract settles each position automatically, and the rate, maturity and maximum amount ACCRUE can owe are fixed at lock and cannot be changed afterward by anyone, including ACCRUE. Principal is not guaranteed. Rates are published before each locking window opens, which happens once the reserve supporting Stable Rate is funded.

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