Roundup of Stablecoin Demand Deposit Yields on Major CEXs: USDT Offers Up to 10% for Small Balances, USDC Up to 8%

According to the latest compiled data on current earn products for major centralized crypto exchanges (CEXs), platforms including HTX, Binance, OKX, and Bitget still structure their stablecoin current yields primarily as "high returns for small amounts, tiered reductions for excess sums". Among these, yields for small tiers of USDT and USDC stand out. For USDT: HTX’s 0–200 USDT tier offers an annualized yield of 10%, which drops to 1.95% for amounts exceeding 200 USDT; Bitget’s 0–300 USDT tier is 6.30%, with excess amounts yielding 1.64%; Binance’s 0–200 USDT tier is 4.63%, and excess amounts yield 1.63%; OKX’s USDT tier yields 2.24%. For USDC: HTX’s 0–200 USDC tier has an annualized yield of 8%, falling to 2.75% for amounts over 200 USDC; Bitget’s 0–300 USDC tier is 6.66%, with excess amounts at 1.36%; OKX’s is 2.46%; Binance’s is 1.96%. For other stablecoins: HTX’s USDT VIP tier offers an annualized yield of 6%–9%, applicable for amounts between 50,000 and 100,000 USDT; Bitget’s USDT VIP 0–300,000 tier is 2.68%, with excess amounts yielding 2.36%. USDE’s displayed annualized yields on HTX and Bitget are tiered at 5% and 3% respectively, plus a 1.00% rate for excess sums; HTX’s USDD yields 4.00%; Binance’s U product’s 0–8,000 tier has an annualized yield of 8.57%, dropping to 0.57% for amounts over 8,000. Overall, current high yields for stablecoin current accounts on major CEXs remain concentrated in small amounts, while yields for large sums have generally declined. When comparing related products, users should not only consider the nominal annualized yield, but also pay attention to tier limits, interest calculation rules, supported currencies, and real-time product availability. The above data are platform-displayed yields and do not constitute investment advice.