USDC on Coinbase: Pros & Cons | Earn up to 4.5% APY with Stablecoins?

USDC stablecoin on Coinbase app explained with pros & cons. Thinking about using USDC (USD Coin) on Coinbase to earn passive income? In this video, I break down the top pros and cons of holding the USDC stablecoin in 2025, including how to earn 4.1% or 4.5% APY, info about how rewards interest works, transactions details, what risks you should know about and more! Whether you're new to crypto or exploring stablecoins for saving, yield, transfers or safety, this video covers: ✅ Why USDC is considered a “safe” stablecoin (backed 1:1 by USD) 💰 Current APY rates and Info ⚡️ Low-cost, fast USDC transfers with Coinbase’s Base Layer 2 🔍 Regulatory transparency vs. centralization concerns 🔒 Risks of holding stablecoins (not FDIC insured, network risks) 📉 Why your interest rate may fluctuate — and what to watch for Whether you're looking to earn interest with crypto, exploring stablecoin investing, interested advantages & disadvantages of using USDC, or curious about Coinbase rewards and risks this video is for you. 🔔 Subscribe for more ways to make your money work harder and smarter! 0:00 Intro 0:40 Stable Value 2:38 APY Reward Rate Interest 5:34 Fast & Low Cost Transactions 7:18 Regulatory Compliance & Transparency 9:42 Instability & Centralized Risks 12:17 Technical & Regulatory Uncertainties 14:18 Who is USDC on Coinbase For 15:13 Conclusion Outro Related videos: CD and Savings Account Rates vs Fed Funds Rate Explained - Affect of Fed Interest Hikes & Cuts📈📉: https://youtu.be/6VfSIemBPJA?si=Qja4KqFvMJCB6Bcp Top High Yield Savings Accounts with ATM Cards and Fee Free Nationwide ATM Access: https://youtu.be/3oKBJrUdvYA?si=_TfjWdJLIDqlNkXe 5 Reasons to Have a High Yield Savings Account Explained 💵 Benefits, Features, & Rate Calculations: https://youtu.be/faZ-eFPw1C4?si=8ENb851ckm4nm7oc Monthly High Yield Savings Account Ranked by APY Lists: https://youtube.com/playlist?list=PLUYb2Ee73D8aZiAurNGAFSS_iEMHMkf7U&si=2BCTCcGBwGvq_2vf Monthly CD Accounts Ranked by APY Lists: https://youtube.com/playlist?list=PLUYb2Ee73D8bij05cumQPik0LyRTncAjq&si=BeQTHPnbgY7065pm ——————————————————— Referral Links Chime: We'll both earn $100 when you join Chime and receive a qualifying direct deposit! Learn more. https://chime.com/r/avrinross Laurel Road: https://www.laurelroad.com/refer-hys/?hys_friend=wvj020yw SoFi Checking & Savings Account: Hello! 👋 Join me to start earning more money with SoFi Checking and Savings. Use my link to sign up and you’ll get a cash bonus. https://www.sofi.com/invite/money?gcp=bb4ae245-a233-47ed-8dd7-caf9455998f8&isAliasGcp=false SoFi Invest: Hey! I'm using SoFi Invest 📊 to buy and sell stocks (and pieces of stocks) with zero fees. Use my link: https://www.sofi.com/invite/invest?gcp=dbe16389-adc8-4d8f-a02a-5be3b7af6649&isAliasGcp=false Coinbase: Sign up for Coinbase using my link and we can each get some Bitcoin https://coinbase.com/join/KW3U37T?src=ios-link Robinhood: Join Robinhood with my link and we'll both pick our own free stock 🤝 https://join.robinhood.com/avrinr PayPal: Hi there! We can both earn $10 cash back (1,000 points) when you accept my invite to PayPal and spend $5 within 30 days. Use my link: https://py.pl/AShQvYHgAHF ——————————————————— *Not financial advice. For educational and entertainment purposes only. #usdc #stablecoin #coinbase #crypto #cryptocurrency