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Mainstream CEX Stablecoin Yield Review: USDT Small Amounts Up to 10%, Binance U Product at 8.59%

On August 28, according to the latest compiled data on mainstream CEX savings/earning products, platforms such as HTX, Binance, OKX, and Bitget continue to show a structure of "high yields for small amounts, reduced yields for excess amounts" for stablecoin savings. Notably, USDT, USDC, and Binance U products stand out in the small amount categories. For USDT, HTX offers an annualized yield of 10% for the 0-200 USDT tier, which drops to 1.95% for amounts over 200 USDT; Binance provides 6.8% for the 0-500 USDT tier, decreasing to 2.8% for excess amounts; Bitget offers 6.66% for the 0-300 USDT tier, dropping to 2.00% for excess amounts; and OKX provides 2.38%. For USDC, HTX shows an annualized yield of 8% for the 0-200 USDC tier, which falls to 2.75% for amounts over 200 USDC; Binance offers 7.3% for the 0-200 USDC tier, decreasing to 2.3% for excess amounts; Bitget provides 6.66% for the 0-300 USDC tier, dropping to 1.61% for excess amounts; and OKX offers 1.80%. For other stablecoins, HTX's USDT VIP tier shows an annualized yield of 6%-9% for amounts between 50,000-100,000; Binance's USDT VIP yields between 2.6%-2.9%; and Bitget's USDT VIP for the 0-300,000 tier offers 2.06%, dropping to 1.80% for excess amounts. USDE yields at HTX, Binance, and Bitget are 5%/3% tiered, 4.00%, and 1.00%, respectively; HTX's USDD offers 4.00%; and Binance's U product shows an annualized yield of 8.59% for the 0-5,000 tier, decreasing to 0.59% for excess amounts, while Bitget U offers 1.50%. Overall, the current high yields for mainstream CEX stablecoin savings are still primarily concentrated in small amounts, with yields for larger funds generally declining. When comparing related products, users should pay attention not only to the nominal annualized yields but also to the upper limits, interest calculation rules, supported currencies by the platform, and real-time availability of the products. The above data reflects displayed yield rates and does not constitute investment advice.

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