USD1 deposit rates
8 USD1 Earn products on centralized exchanges and DeFi. “@10k” is what you actually earn on a 10,000 USD deposit, after rate tiers and caps.
Showing every exchange and DeFi protocol, not filtered by any country’s rules. Pick the country you live in under “I am in” at the top to hide platforms not allowed to operate there and see each platform’s legal status.
Backed by cash and US Treasury bills, held in custody at BitGo, with monthly attestations. It is a new coin (2025), supply is very highly concentrated on Binance, there are political factors, and its OCC licence is only at the preliminary stage.
- !Reserves published monthly, but no independent attesting firm is named
- !Issuer has no licence from a major regulator (EU MiCA, New York, Singapore…)
- !Operating since 2025-03, under 3 years
- iThe issuer can freeze wallet addresses (usually at the request of authorities).
- iThe current issuer is BitGo Trust Company, which holds a South Dakota state trust company licence. This state licence does not count as a licence from a major regulator.
3 more notes in the full profile.
USD1 is holding its peg (0.9996 USD, $4.4B in circulation).
Market data as of 27/09/2026 (DefiLlama), not part of the risk tier.
This is the risk of the coin. The risk of each exchange or protocol taking the deposit is shown on each product below.
Best rate history by platform
Only products anyone can use (no new-user or VIP offers). End-of-day values, Vietnam time.
Current USD1 promos
Very high rates with conditions: new users only, first deposit, VIP or a short window, and usually only for a small amount. Not counted in the ranking above.
All USD1 products
Click a column heading to sort. Click a product name to see its rate tiers, caps and withdrawal time.
| Conditions & limits | |||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| MEXC | Fixed Savings 1dOne rate for any amount.
| 1 days CEX · custodial | C· Higher risk | 600.00% | 600.00% | 119.94%* | 11.99%* | 1.20%* | First deposit Locked 1 days Max 200 USD1 (≈ $200) per user | ||||||||
| Gate | On-chain Earn · DolomiteOne rate for any amount.
| Staking CEX · custodial | B· Medium risk | 7.70% | 7.70% | 7.70% | 7.70% | 7.70% | Withdrawal takes about 1 days (T+1) Not confirmed whether the rate is before or after the platform’s fee | ||||||||
| MEXC | Flexible Savings
| Flexible CEX · custodial | C· Higher risk | 20.00% | 2.00% | 9.60% | 7.26% | 7.02% | Withdrawal time: not published by the platform Max 1M USD1 (≈ $999,700) per user High rate only for the first 200 USD1 | ||||||||
| Binance | Simple Earn FlexibleOne rate for any amount.
| Flexible CEX · custodial | B· Medium risk | 2.08% | 2.08% | 2.08% | 2.08% | 2.08% | Withdrawal time: not published by the platform | ||||||||
| Lista | Lista · BSCOne rate for any amount.
| Flexible DeFi · smart contract | B· Medium risk | 1.12% | 1.12% | 1.12% | 1.12% | 1.12% | Withdraw any time if the pool has enough liquidity | ||||||||
| Bitget | Savings FlexibleOne rate for any amount.
| Flexible CEX · custodial | B· Medium risk | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | Withdrawal time: not published by the platform Max 200k USD1 (≈ $199,940) per user | ||||||||
| Bybit | Flexible SavingsOne rate for any amount.
| Flexible CEX · custodial | B· Medium risk | 0.50% | 0.50% | 0.50% | 0.50% | 0.50% | Limited quota Withdrawal time: not published by the platform Max 1M USD1 (≈ $999,700) per user | ||||||||
| Gate | Simple Earn FlexibleOne rate for any amount.
| Flexible CEX · custodial | B· Medium risk | 0.10% | 0.10% | 0.10% | 0.10% | 0.10% | Withdrawal time: not published by the platform |