Comparison of Stablecoin Demand Deposit Yields on Major Centralized Exchanges (CEXs): USDT Small-Tier Returns Hit Up to 10%

As of July 9, data compiled from mainstream centralized exchange (CEX) current-account wealth management and earning products shows that stablecoin current yields vary across platforms including HTX, Binance, OKX, and Bitget, with most products adopting a tiered interest model of "high returns for small amounts, reduced rates for excess amounts". For USDT products: HTX offers the highest annual percentage yield (APY) at 10% for the 0–200 USDT tier; Bitget’s 0–300 USDT tier yields 6.31%, Binance’s 0–200 USDT tier is 4.47%, and OKX’s is 1.57%. Once exceeding the respective thresholds, HTX, Binance, and Bitget’s APYs drop to 1.95%, 1.47%, and 1.65% respectively. For USDC products: Binance’s 0–200 USDC tier has an APY of 6.76%, Bitget’s 0–300 USDC tier is 6.66%, HTX’s is 3.00%, and OKX’s is 1.74%. Additionally, HTX’s USDE current products offer an APY of 5% for the 0–1000 tier and 3% for amounts over 1000; Binance’s is 3.75%, Bitget’s is 3.64%. The USDD current product is currently only offered by HTX, with a listed APY of 4.00%. Overall, high returns on CEX stablecoin current products are mostly concentrated in small tiers, with yields for large amounts dropping significantly. When comparing products, users should not only consider nominal APYs but also pay attention to tier limits, supported currencies, platform rules, and product availability. Note: This data is compiled from official public pages of each CEX, for informational purposes only. This does not constitute any investment advice.