Top Summer.fi Vaults for Lending Stablecoins in 2025
Let’s be real, nobody wants to spend hours clicking through DeFi dashboards, watching rates fluctuate, rebalancing positions, and praying the one protocol they’re in doesn’t get exploited.
That’s where Lazy Summer comes in.
Lazy Summer takes your stablecoins—USDC or USDT—and puts them to work smarter. Vaults automatically rebalance to the best-performing strategies from the highest quality protocols. You get 100% passive yield, managed risk, and optimized lending—without lifting a finger.
Lazy Summer is optimization without the effort
- Higher yields: Always chasing the best-performing opportunities—automatically.
- Transparent and traceable: No guessing where your yield comes from.
- AI-powered rebalancing: Smart reallocations, done for you.
- Risk-curated by experts: Block Analitica sets and monitors parameters.
- Set-and-forget simplicity: No active management needed.
- Always in your control: Fully non-custodial, always withdrawable.
Top 3 Native APY Stablecoin Vaults on Summer.fi
Native APY means yield in the same token you deposit. Put in USDC, earn in USDC.
1. USDC Base Vault
Optimized across Morpho, Moonwell, AAVE v3, Fluid, and more—automatically. Risk curated by Block Analitica.
- 30D APY: 6.32%
- Benchmark Stablecoin Yield: 3.89%
- Outperformance: +2.43%
2. USDC Sonic Vault
Powered by Euler and AAVE v3, rebalanced via Lazy Summer AI, and risk-managed by Block Analitica.
- 30D APY: 6.80%
- Benchmark Yield: 3.89%
- Outperformance: +2.91%
3. USDC Mainnet Vault
Taps into AAVE v3, Morpho, Euler, Sky, Compound and more. Fully automated, expertly risk-managed.
- 30D APY: 6.11%
- Benchmark Yield: 3.89%
- Outperformance: +2.21%
Top 3 $SUMR Reward Vaults on Summer.fi
$SUMR is the governance token of Lazy Summer. Some vaults offer high $SUMR rewards in addition to their native yield.
1. EURC Base Vault
Optimized across Morpho, Euler, Compound. Risk-curated by Block Analitica.
- 30D APY: 3.26%
- SUMR Rewards: 112.77%
👉 [Get it now →](https://summer.fi/earn/base/position/...)
2. USDC Sonic Vault
Same great rebalancer, Euler and AAVE v3 powered.
- 30D APY: 6.80%
- SUMR Rewards: 56.78%
👉 [Get it now →](https://summer.fi/earn/sonic/position/...)
3. USDT Arbitrum Vault
Optimized across Fluid, Compound, AAVE v3 with bonus Sonic points.
- 30D APY: 6.11%
- SUMR Rewards: 46.39% + 12x Sonic Points
Why Use Summer.fi Vaults?
Because they’re smarter. faster. stronger.
- Higher yields from optimized strategies
- Full transparency on where your yield comes from
- AI-powered rebalancing so your money moves automatically
- Third-party risk curation by Block Analitica
- Withdraw anytime
- Earn $SUMR while staying passive
TL;DR: Stablecoins Don’t Have to Be Lazy. But You Can Be.
Let Lazy Summer do the hard work—while you stay chill.