# \[SIP2.37\] Add Extrafi XLend’s USDC Pool to Lower Risk USDC Vault
**URL:** https://forum.summer.fi/t/sip2-37-add-extrafi-xlend-s-usdc-pool-to-lower-risk-usdc-vault/447
**Category:** Summer Improvement Proposals \[SIPs\]
**Tags:** usdc, sip2, ark-onboarding, base
**Created:** [November 4, 2025, 2:09pm UTC](https://forum.summer.fi/t/sip2-37-add-extrafi-xlend-s-usdc-pool-to-lower-risk-usdc-vault/447 "2025-11-04T14:09:20Z")
**Posts on this page:** 6
**Page:** 1
### Author:  [@Extrafi\_Cecilia](https://forum.summer.fi/u/Extrafi_Cecilia)
#### Post date: [November 4, 2025, 2:09pm UTC](https://forum.summer.fi/t/sip2-37-add-extrafi-xlend-s-usdc-pool-to-lower-risk-usdc-vault/447/1 "2025-11-04T14:09:20Z")
### **Summary**
This SIP proposes integrating **Extrafi XLend’s** **USDC** **Pool** into the **USDC – Lower Risk** vault on **Base** in the Lazy Summer Protocol.
Following technical review and risk diligence, **Extrafi XLend’s** **USDC** **Pool** meets Lazy Summer’s standards for inclusion. For background, see the discussion in **[[RFC] Onboarding Extrafi XLend USDC into Summer.fi USDC Base vault](https://forum.summer.fi/t/rfc-onboarding-extrafi-xlend-usdc-into-summer-fi-usdc-base-vault/415)**.
This integration enhances Lazy Summer’s vault diversification and provides access to yield sources beyond standard [e.g., DeFi lending or staking] protocols.
### **Motivation**
**Expand Yield Sources** – Extrafi XLend USDC currently offers 8% Supply APY(OP Reward APY + Lending APY), higher than most Base USDC pools, complementing existing vault strategies.
**Attract New Users** – Extrafi maintains over $100M in TVL, supported by a diverse user base including institutional investors and individual users. Integrating Extrafi XLend creates strategic alignment with [Summer.fi](http://summer.fi/) while offering additional options for strategy-specific holders and users seeking optimized stablecoin deployment.
**Increase TVL** – Extrafi XLend USDC currently has a supply cap of 4,000,000, and will continue to increase based on the market. This integration strengthens the Lazy Summer product offering and supports growth goals for the USDC vault family.
### **Specification**
| **Parameter** | **Value** |
| --- | --- |
| **Vault** | Base USDC – Lower Risk |
| **Network** | Base |
| **New ARK** | Extrafi XLend USDC |
| **Contract Address** | _0x589A7339C6d0c8777E7429F57f2f95c069c37288_ |
| **Risk Tier** | Lower Risk |
| **$SUMR Rewards** | In line with [corresponding vault reward policy] |
| |
| --- |
| |
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### Author:  [@MasterMojo](https://forum.summer.fi/u/MasterMojo)
#### Post date: [November 5, 2025, 2:28pm UTC](https://forum.summer.fi/t/sip2-37-add-extrafi-xlend-s-usdc-pool-to-lower-risk-usdc-vault/447/2 "2025-11-05T14:28:42Z")
I am for this proposal. I know a analysis has not been done by Block Analitica yet, but there has already been an approved vault for ExtraFi “Morpho USDC ExtraFi Xlend vault”. This lower Risk USDC Vault will be a great addition to Summer Fi.
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### Author:  [@halaprix](https://forum.summer.fi/u/halaprix)
#### Post date: [November 5, 2025, 3:30pm UTC](https://forum.summer.fi/t/sip2-37-add-extrafi-xlend-s-usdc-pool-to-lower-risk-usdc-vault/447/3 "2025-11-05T15:30:36Z")
up for voting : [Tally | Lazy Summer DAO (Official) | SIP2.37: Add Ark to LazyVault\_LowerRisk\_USDC Fleet](https://www.tally.xyz/gov/lazy-summer-dao-official/proposal/65070658680920741923791719252317683450816406174074273782114883800517036590157)
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### Author:  [@jensei](https://forum.summer.fi/u/jensei)
#### Post date: [November 6, 2025, 1:50pm UTC](https://forum.summer.fi/t/sip2-37-add-extrafi-xlend-s-usdc-pool-to-lower-risk-usdc-vault/447/4 "2025-11-06T13:50:57Z")
Thank you @Extrafi_Cecilia for promoting the [**[RFC]**](https://forum.summer.fi/t/rfc-onboarding-extrafi-xlend-usdc-into-summer-fi-usdc-base-vault/415) into this SIP and @halaprix for bringing it into the Tally for onchain vote! Looking forward to the @BlockAnalitica review.
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### Author:  [@Extrafi\_Cecilia](https://forum.summer.fi/u/Extrafi_Cecilia)
#### Post date: [November 7, 2025, 3:52pm UTC](https://forum.summer.fi/t/sip2-37-add-extrafi-xlend-s-usdc-pool-to-lower-risk-usdc-vault/447/5 "2025-11-07T15:52:45Z")
@jensei Appreciate it! Thanks @mojo for the input and @halaprix for bringing it to the onchain vote 🙏 Looking forward to the next steps!
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### Author:  [@jensei](https://forum.summer.fi/u/jensei)
#### Post date: [March 11, 2026, 3:18pm UTC](https://forum.summer.fi/t/sip2-37-add-extrafi-xlend-s-usdc-pool-to-lower-risk-usdc-vault/447/6 "2026-03-11T15:18:08Z")