Stablecoin flexible yield rates vary across major CEXs
BlockBeats reported on July 11 that data compiled as of July 9 from major centralized exchange flexible savings and earn products showed noticeable differences in stablecoin yields across HTX, Binance, OKX, and Bitget. Most of the products use a tiered structure, with higher annualized returns on smaller balances and lower rates once the amount exceeds a set threshold.
USDT: HTX leads small-balance 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 the 0-300 USDT tier, Binance offered 4.47% for the 0-200 USDT tier, and OKX showed 1.57%.
Once balances moved above the relevant caps, annualized yields on HTX, Binance, and Bitget dropped to 1.95%, 1.47%, and 1.65%, respectively.
USDC, USDE and USDD products
For USDC, Binance listed an annualized yield of 6.76% for the 0-200 USDC tier, while Bitget offered 6.66% for the 0-300 USDC tier. HTX showed 3.00%, and OKX showed 1.74%.
For flexible USDE products, HTX, Binance, and Bitget offered annualized yields of 5% for the 0-1000 tier and 3% above 1000 on HTX, 3.75% on Binance, and 3.64% on Bitget. For USDD, only HTX currently offered a flexible product, with an annualized yield of 4.00%.
Reference note
Overall, the higher yields on current CEX stablecoin flexible products are concentrated in smaller balance tiers, while returns on larger balances fall back sharply. When comparing products, users need to look at deposit caps, supported assets, platform rules, and product availability alongside headline APY figures.
According to the note attached to the chart, the data was compiled from official public pages of the exchanges and is for information reference only. It does not constitute investment advice.
