Review of Stablecoin Demand Yields on Major CEXs: USDT Small Tier Yields Hit Up to 10%, U Products Peak at 8.56%

According to the latest compiled data on current-earning products of major centralized exchanges (CEXs), stablecoin current yields on platforms like HTX, Binance, OKX, and Bitget still follow a structure of "high yields for small amounts, tiered reduction for excess amounts". Among these, yields for small tiers of USDT, USDC, and Binance U products are relatively prominent. For USDT: HTX’s 0–200 USDT tier offers an annualized yield of 10%, dropping to 1.95% for amounts over 200 USDT; Bitget’s 0–300 USDT tier is 6.66%, with excess amounts at 2.00%; Binance’s 0–200 USDT tier is 5.23%, excess amounts at 2.23%; OKX offers 2.34%. For USDC: HTX’s 0–200 USDC tier has an annualized yield of 8%, falling to 2.75% for amounts over 200 USDC; Binance’s 0–200 USDC tier is 7.22%, excess amounts at 2.22%; Bitget’s 0–300 USDC tier is 6.66%, excess amounts at 1.46%; OKX offers 2.24%. For other stablecoins: HTX’s USDT VIP tier has an annualized yield of 6%–9%, applicable for amounts between 50,000–100,000; Binance’s USDT VIP tier is 2%–2.7%; Bitget’s USDT VIP 0–300,000 tier is 2.06%, excess amounts at 1.80%. For USDE: HTX offers tiered yields of 5%/3%, Binance at 4.00%, Bitget at 1.00%; HTX’s USDD is 4.00%; Binance U products’ 0–5,000 tier has an annualized yield of 8.56%, excess amounts at 0.56%; Bitget U offers 1.50%. Overall, current high yields for stablecoin current accounts on major CEXs are still concentrated in small amounts, with yields for large capital generally declining. When comparing related products, users should pay attention not only to the nominal annualized yield but also to the quota cap, interest calculation rules, supported currencies on the platform, and real-time availability of products. The above data are displayed yields and do not constitute investment advice.