Flexible stablecoin products on major centralized exchanges continue to show the same tiered structure, according to a July 24 roundup cited by BlockBeats: high displayed annualized yields for small balances, then lower rates once the balance goes past a platform’s cap.
USDT rates remain highest in small-balance tiers
For USDT, HTX displayed an annualized yield of 10% for balances from 0 to 200 USDT, with the rate falling to 1.95% above 200 USDT. Bitget showed 6.25% for the 0-300 USDT tier and 1.59% for balances above that level. Binance listed 4.54% for 0-200 USDT and 1.54% after the cap. OKX showed 1.63%.
USDC products show a similar step-down structure
For USDC, HTX displayed 8% for balances from 0 to 200 USDC, then 2.75% above 200 USDC. Bitget showed 6.66% for 0-300 USDC and 1.73% for excess balances. Binance listed 6.51% for 0-200 USDC and 1.51% beyond that threshold. OKX showed 1.68%.
Other stablecoin and VIP products listed in the roundup
- HTX showed 6%-9% for its USDT VIP tier.
- Bitget showed 1.88% for its USDT VIP 0-300,000 tier.
- For USDE, the displayed annualized yields were 5%/3% in tiered form on HTX, 4.00% on Binance, and 1.81% on Bitget.
- HTX showed 4.00% for USDD.
- Binance’s U product showed 8.53% for the 0-10,000 tier and 0.53% above that level.
Displayed rates are only one part of the comparison
Overall, the roundup said the higher yields on major CEX stablecoin flexible products are still concentrated in smaller balance tiers, while returns on larger allocations tend to fall back. Users comparing these products need to look beyond the headline annualized rate and also check quota limits, interest calculation rules, supported tokens, and real-time product availability.
The figures above were page-displayed yield rates and do not constitute investment advice.