Stablecoin flexible yields vary across major CEXs
BlockBeats reported on July 11 that data compiled as of July 9 from major centralized exchanges’ flexible savings and earn products shows notable differences in stablecoin yields across HTX, Binance, OKX, and Bitget. Most products use a tiered interest model, with higher annualized returns for smaller balances and lower rates above a preset cap.
HTX leads the top USDT tier at 10%
For USDT products, HTX offered the highest annualized yield at 10% for the 0–200 USDT tier. Bitget listed 6.31% for 0–300 USDT, Binance showed 4.47% for 0–200 USDT, and OKX showed 1.57%.
Above those balance thresholds, annualized yields on HTX, Binance, and Bitget drop to 1.95%, 1.47%, and 1.65%, respectively.
USDC, USDE, and USDD products
For USDC products, Binance offered 6.76% for the 0–200 USDC tier, followed by Bitget at 6.66% for 0–300 USDC. HTX showed 3.00%, while OKX listed 1.74%.
For flexible USDE products, HTX, Binance, and Bitget displayed annualized yields of 5% for the 0–1000 tier and 3% above 1000, 3.75%, and 3.64%, respectively. Flexible USDD products were available only on HTX, where the displayed annualized yield was 4.00%.
Higher rates are concentrated in small balance tiers
Overall, the higher yields on current CEX stablecoin flexible products are concentrated in smaller balance brackets, while returns on larger allocations fall back noticeably. The note added that users comparing products should look not only at the headline annualized rate, but also at balance caps, supported tokens, platform rules, and product availability.
The chart data was compiled from official public pages of the exchanges and is for information reference only. It does not constitute investment advice.
