On July 31, according to data compiled on July 30 from major CEX demand deposit/earn products, stablecoin demand deposit yields on platforms such as HTX, Binance, OKX, and Bitget still follow a structure of "high yield for small amounts, lower yield for excess amounts," with USDT and USDC small-tranche yields being relatively prominent. For USDT, HTX offers an annualized rate of 10% for the 0-200 USDT tranche, dropping to 1.95% above 200 USDT; Bitget offers 6.42% for the 0-300 USDT tranche, dropping to 1.76% above that; Binance offers 4.69% for the 0-200 USDT tranche, dropping to 1.69% above that; OKX offers 1.65%. For USDC, HTX shows an annualized rate of 8% for the 0-200 USDC tranche, dropping to 2.75% above 200 USDC; Binance offers 7.09% for the 0-200 USDC tranche, dropping to 2.09% above that; Bitget offers 6.66% for the 0-300 USDC tranche, dropping to 1.36% above that; OKX offers 1.96%. For other stablecoins, HTX's USDT VIP tranche shows an annualized rate of 6%-9%, applicable to amounts of 50,000-100,000; Bitget's USDT VIP tranche for 0-300,000 offers 1.88%, dropping to 1.06% above that. USDE on HTX, Binance, and Bitget shows annualized rates of 5%/3% (tiered), 4.00%, and 1.00% respectively; HTX USDD offers 4.00%; Binance's U product for the 0-8,000 tranche shows an annualized rate of 8.55%, dropping to 0.55% above that. Overall, high yields on stablecoin demand deposits at major CEXs are currently concentrated in small-amount tranches, with returns on large sums generally declining. When comparing related products, users should also pay attention to caps, interest calculation rules, supported coins on the platform, and real-time product availability, in addition to nominal annualized rates. The above data are displayed yields and do not constitute investment advice.
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