This morning, I checked Venus USDC on BNB Chain, and the numbers were pretty straightforward: Supply earns around 2.54% APY Borrow costs approximately 4.36% APY In simple terms: if you borrow USDC and deposit it back to earn interest, the borrowing rate is about 1.82 percentage points higher than the supply rate—even before accounting for gas fees. So today, there’s no need to overcomplicate things 😅 A more reasonable approach is simply to deposit USDC, earn a floating market rate, and avoid taking on additional debt or worrying about your Health Factor. But even depositing alone isn’t risk-free. If USDC loses its peg, the smart contract has an issue, liquidity dries up, or the APY drops to a point where the risk isn’t worth it, you should reassess. If you use USDC as collateral to borrow another token, everything changes—you’ll need to consider the borrowing rate, the price of both tokens, and the risk of liquidation if your Health Factor drops quickly. In that case, reduce your debt before entering danger zones. Bottom line this morning: keeping it simple is probably better than looping and stressing over it. APYs change constantly—always double-check before committing funds. @VenusProtocol @VenusStars_io For educational purposes only—not investment advice.