BlockBeats reported on Sept. 11 that a fresh review of stablecoin flexible savings and earn data from HTX, Binance, OKX, and Bitget shows major centralized exchanges still broadly use a tiered structure that offers higher annualized returns on smaller balances and lower rates once deposits exceed preset limits. OKX yields in the comparison were shown after deducting a 15% fee.
USDT rates across platforms
For USDT, HTX showed an annualized yield of 10% for the 0-200 USDT tier, falling to 1.95% above that amount. Bitget listed 7.33% for the 0-300 USDT tier and 2.67% beyond the cap. Binance showed 6.51% for 0-800 USDT and 2.51% after that, while OKX was listed at 2.54%.
USDC tiered yields
For USDC, HTX showed 8% annualized for 0-200 USDC, then 2.75% above the threshold. Binance listed 7.20% for 0-300 USDC and 2.20% beyond that. Bitget showed 6.66% for 0-300 USDC and 2.23% afterward, while OKX was listed at 1.95%.
VIP tiers and other stablecoin products
In other stablecoin products, HTX showed 6%-9% annualized for its USDT VIP tier, with an applicable balance range of 50,000-100,000. Binance listed 2.6%-2.65% for its USDT VIP offering. Bitget showed 2.88% for the 0-300,000 USDT VIP tier, with 1.88% beyond that amount.
For USDE, displayed annualized yields were 5% and 3% in different HTX tiers, 4.75% on Binance, and 1.05% on Bitget. HTX listed 4.00% for USDD. Binance's U product showed 8.70% annualized for the 0-5,000 tier and 0.70% above that level, while Bitget U was listed at 1.50%.
Display rates only
Overall, the review shows that the highest yields remain concentrated in smaller balance ranges, while annualized returns generally decline as fund size increases. Users comparing products also need to look at deposit caps, interest calculation rules, fees, and real-time availability. The figures are display yields from product pages and do not constitute investment advice.