Comparison of Stablecoin Demand Deposit Yields on Major CEXs: USDT’s Small-Tier Yields Hit Up to 10%

According to the latest compiled data on flexible savings and earning products at mainstream centralized exchanges (CEXs), stablecoin current yields on platforms like HTX, Binance, OKX, and Bitget show certain differences, with most products adopting a tiered interest structure: high returns for small amounts, reduced rates for excess sums. For USDT products: HTX’s 0–200 USDT tier offers the highest annualized percentage yield (APY) at 10%; Bitget’s 0–300 USDT tier yields 6.24%; Binance’s 0–200 USDT tier is 4.55%; OKX’s stands at 1.62%. Above the respective thresholds, HTX, Binance, and Bitget’s APYs drop to 1.95%, 1.55%, and 1.58% respectively. For USDC products: HTX’s 0–200 USDC tier has an APY of 8%; Bitget’s 0–300 USDC tier is 6.66%; Binance’s 0–200 USDC tier is 6.69%; OKX’s is 1.78%. Exceeding the thresholds, HTX, Binance, and Bitget’s rates fall to 2.75%, 1.69%, and 1.36% respectively. Additionally, for USDE current products: HTX offers APYs of 5% for the 0–1000 tier and 3% for amounts above 1000; Binance’s rate is 3.75%; Bitget’s is 3.70%. As for USDD current products, only HTX currently offers them, with a listed APY of 4.00%. For other U-based products, Binance’s 0–10,000 tier yields 8.54% APY, while HTX’s is 3.00%. Overall, current high yields on CEX stablecoin current products are mostly concentrated in small tiers, with yields dropping significantly for large sums. When comparing products, users should not only consider the nominal APY but also tier limits, supported currencies, platform rules, and product availability. Note: This data is compiled from official public pages of various CEX platforms for informational purposes only and does not constitute any investment advice.