Major CEX stablecoin flexible yields still favor small balances, with USDT rates as high as 10%

News Editor

2026-09-04 08:58:21

BlockBeats on Sept. 4 compiled the latest flexible savings and earn rates for stablecoins across major centralized exchanges, showing that the highest displayed yields are still concentrated in lower balance tiers. HTX, Binance, OKX and Bitget all follow a similar structure: relatively high annualized returns for small deposits, followed by sharp step-downs once balances move above capped thresholds. In the USDT segment, HTX displayed a 10% annualized rate for the 0-200 USDT tier, dropping to 1.95% above that level. Bitget showed 7.31% for 0-300 USDT and 2.65% above the cap, while Binance listed 6.76% for 0-500 USDT and 2.76% afterward. OKX posted 2.61% after a 15% fee deduction. USDC products showed a similar pattern, with HTX at 8% for 0-200 USDC, Binance at 7.59% for 0-200 USDC, Bitget at 6.66% for 0-300 USDC, and OKX at 1.99% after fees. The roundup also covered VIP USDT tiers, USDE, USDD and Binance U products, where Binance’s 0-5000 U tier displayed 8.66% before dropping to 0.66% for excess balances. The figures are page-displayed rates and do not constitute investment advice.

According to BlockBeats on Sept. 4, the latest roundup of flexible savings and earn products at major centralized exchanges shows the same pattern still in place across platforms including HTX, Binance, OKX and Bitget: higher displayed yields for small stablecoin balances, then lower rates once deposits exceed the capped tier.

USDT rates

For USDT, HTX displayed an annualized yield of 10% for balances from 0 to 200 USDT, falling to 1.95% above 200 USDT. Bitget showed 7.31% for the 0-300 USDT tier and 2.65% for amounts above that level. Binance listed 6.76% for the 0-500 USDT tier, then 2.76% for excess balances. OKX showed 2.61% after deducting a 15% fee.

USDC rates

For USDC, HTX displayed 8% annualized for the 0-200 USDC tier, with 2.75% above the cap. Binance listed 7.59% for 0-200 USDC and 2.59% beyond that amount. Bitget showed 6.66% for 0-300 USDC and 2.23% above the tier. OKX posted 1.99% after a 15% fee deduction.

Other stablecoins and VIP tiers

For other stablecoin products, HTX displayed 6%-9% annualized for its USDT VIP tier, with an applicable balance range of 50,000-100,000. Binance USDT VIP was listed at 2.6%-2.65%. Bitget’s USDT VIP tier showed 2.88% for balances from 0 to 300,000, then 1.88% above that level.

For USDE, displayed annualized yields were 5% and 3% by tier at HTX, 4.75% at Binance and 1.64% at Bitget. HTX showed 4% for USDD. Binance U products displayed 8.66% for the 0-5000 tier and 0.66% above that threshold, while HTX and Bitget showed 3% and 1.5% respectively for U products.

Current yield structure

Overall, the higher flexible-yield offers at major CEXs remain concentrated in smaller balance tiers, while returns on larger allocations generally fall back. The figures cited are displayed page rates and do not constitute investment advice.

This article was originally published by Bit.Fan. For more cryptocurrency news and market insights, visit www.bit.fan.

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