Gm. Are you also growing your sol? Get some sol, stake with validator.com, and off you go. For USDC there is always risk. I like the returns in jup.ag in the JLP peeps program. Also in drift.trade in their insurance program. Returns are much higher but have risks.

I wouldnt even bother for 3% in margainfi or whatever. Risk, which is low, isn’t worth the reward imo