You probably already know SafePal wallet, but if you don't is a full crypto-wallet ecosystem that offers integrated hardware and software wallets, all managed through one app. And, until november 26, they are hosting a new promotion where you can stake USDC, USDT and a few other assets for a chance to win a X1 hardware wallet (100 winners!), plus a nice APY.

The RECOMMENDED (best) OPTION is USDC on Arc Chain. However, if your USDC is on a different network, like mine (and probably everyone else's), there's no problem —you can swap directly from the SafePal interface and stake that extra USDC you're not using to get on the leaderboard. Swap costs are nearly a dime! You can also choose not to swap and go for a different network/asset if available.
No referral links, no nonsense: just open SafePal, tap the Earn tab, then select Arc Vaults and deposit the choosen amount. Safe and reliable passive earnings if you don't need your USDC by tomorrow. There are no locking periods, though, so you can withdraw it quickly if you need to.