By coin
USDT deposit rates
62 USDT 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.
The largest stablecoin (about USD 184 billion), with very high liquidity. However, its reserves include a significant share of BTC, gold and loans, are only attested quarterly, and S&P rates its peg stability as 'weak'. USDT is not licensed in the EU or the US.
- !Reserve attestations exist but are not monthly
- !Reserves include mostly Treasury bills but also riskier assets (bitcoin, gold, loans…)
- !Issuer has no licence from a major regulator (EU MiCA, New York, Singapore…)
- iThe issuer can freeze wallet addresses (usually at the request of authorities).
- iEl Salvador's digital asset service provider (DASP) licence (CNAD, early 2025) is the issuer's only licence; it has no effect in the EU or US, so it does not count as a licence from a major regulator.
5 more notes in the full profile.
USDT is holding its peg (0.9998 USD, $183.8B 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 for a 10k USD deposit
6.17%
Bybit · On-Chain Earn
Highest rate (first tier)
11.00%
MEXC · Flexible Savings
Highest base rate (large amounts)
6.17%
Bybit · On-Chain Earn
Best rate history by platform
Only products anyone can use (no new-user or VIP offers). End-of-day values, Vietnam time.
Excludes Pintu, Quidax (outside the selected catalogue).
Current USDT 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.
USDTMEXC · 2 days600.00%
Maximum promo interest ≈ $6.58 for the whole 2-day termbecause it only applies to the first 200 USDT (≈ $200)
Fixed Savings 2d
First depositMax 200 USDT
USDTKuCoin · 7 days100.00%
Maximum promo interest ≈ $1.92 for the whole 7-day termbecause it only applies to the first 100 USDT (≈ $100)
Simple Earn Fixed 7d
New users onlyMax 100 USDT
USDTHTX · 7 days100.00%
Fixed 7d
New users onlyUSDTOKX · Flexible10.00%
Simple Earn Flexible
New users onlyUSDTNexo · 90 days9.50%
Fixed-term Savings 90d (Platinum tier: ≥10% of portfolio in NEXO)
VIP requiredUSDTNexo · Flexible7.50%
Flexible Savings (Platinum tier: ≥10% of portfolio in NEXO)
VIP requiredAll USDT products
Click a column heading to sort. Click a product name to see its rate tiers, caps and withdrawal time.
62/62 products · How risk tiers work
| Conditions & limits | |||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| MEXC | Fixed Savings 2dOne rate for any amount.
| 2 days CEX · custodial | C· Higher risk | 600.00% | 600.00% | 120.00%* | 12.00%* | 1.20%* | First deposit Locked 2 days Max 200 USDT (≈ $200) per user | ||||||||||||||
| Nexo | Fixed-term Savings 90d (Platinum tier: ≥10% of portfolio in NEXO)One rate for any amount.
| 90 days CEX · custodial | B· Medium risk | 9.50% | 9.50% | – | 9.50% | 9.50% | VIP required Locked 90 days | ||||||||||||||
| Nexo | Flexible Savings (Platinum tier: ≥10% of portfolio in NEXO)One rate for any amount.
| Flexible CEX · custodial | B· Medium risk | 7.50% | 7.50% | – | 7.50% | 7.50% | VIP required Withdrawal time: not published by the platform | ||||||||||||||
| Bybit | On-Chain EarnOne rate for any amount.
| Staking CEX · custodial | B· Medium risk | 6.17% | 6.17% | 6.17% | 6.17% | 6.17% | Withdrawal takes about 3 days (T+3) Not confirmed whether the rate is before or after the platform’s fee | ||||||||||||||
| MEXC | Flexible Savingsno per-user cap
| Flexible CEX · custodial | C· Higher risk | 11.00% | 2.50% | 4.00% | 5.80% | 6.68% | Withdrawal time: not published by the platform | ||||||||||||||
| Aave v3 | Aave v3 · Ethereum · UmbrellaOne rate for any amount.
| Flexible DeFi · smart contract | B· Medium risk | 5.64% | 4.14% | 5.64% | 5.64% | 5.64% | Token rewards Withdraw any time if the pool has enough liquidity | ||||||||||||||
| Kraken | Opt-in Rewards 18 thángOne rate for any amount.
| 548 days CEX · custodial | B· Medium risk | 5.60% | 5.60% | 5.60% | 5.60% | 5.60% | Locked 548 days | ||||||||||||||
| Kraken | Opt-in Rewards 12 thángOne rate for any amount.
| 365 days CEX · custodial | B· Medium risk | 5.20% | 5.20% | 5.20% | 5.20% | 5.20% | Locked 365 days | ||||||||||||||
| Bybit | On-Chain Earn (USDE) (USDE)product 1One rate for any amount.
| Staking CEX · custodial | B· Medium risk | 5.00% | 5.00% | – | 5.00% | 5.00% | Withdrawal takes about 1 days (T+1) Not confirmed whether the rate is before or after the platform’s fee | ||||||||||||||
| Bybit | On-Chain Earn (USDE) (USDE)product 2One rate for any amount.
| Staking CEX · custodial | B· Medium risk | 5.00% | 5.00% | – | 5.00% | 5.00% | Withdrawal takes about 1 days (T+1) Not confirmed whether the rate is before or after the platform’s fee | ||||||||||||||
| Fluid | Fluid · Plasma (USDT0)One rate for any amount.
| Flexible DeFi · smart contract | B· Medium risk | 4.96% | 4.96% | 4.96% | 4.96% | 4.96% | Withdraw any time if the pool has enough liquidity | ||||||||||||||
| Kraken | Opt-in Rewards 6 thángOne rate for any amount.
| 183 days CEX · custodial | B· Medium risk | 4.90% | 4.90% | 4.90% | 4.90% | 4.90% | Locked 183 days | ||||||||||||||
| Maple | Maple · Ethereum · Syrup USDTOne rate for any amount.
| Flexible DeFi · smart contract | B· Medium risk | 4.76% | 4.76% | 4.76% | 4.76% | 4.76% | Withdraw any time if the pool has enough liquidity | ||||||||||||||
| Kraken | Opt-in Rewards 3 thángOne rate for any amount.
| 91 days CEX · custodial | B· Medium risk | 4.75% | 4.75% | 4.75% | 4.75% | 4.75% | Locked 91 days | ||||||||||||||
| Aave v3 | Aave v3 · Plasma (USDT0)One rate for any amount.
| Flexible DeFi · smart contract | B· Medium risk | 4.74% | 3.85% | 4.74% | 4.74% | 4.74% | Token rewards Withdraw any time if the pool has enough liquidity | ||||||||||||||
| HTX | Flexible Savings
| Flexible CEX · custodial | C· Higher risk | 10.00% | 4.00% | 10.00% | 4.60% | 4.06% | Withdrawal time: not published by the platform High rate only for the first 1k USDT | ||||||||||||||
| Gate | On-chain Earn · AAVE V3One rate for any amount.
| Staking CEX · custodial | B· Medium risk | 4.48% | 4.48% | 4.48% | 4.48% | 4.48% | Withdrawal takes about 1 days (T+1) Not confirmed whether the rate is before or after the platform’s fee | ||||||||||||||
| Fluid | Fluid · EthereumOne rate for any amount.
| Flexible DeFi · smart contract | B· Medium risk | 4.37% | 4.37% | 4.37% | 4.37% | 4.37% | Withdraw any time if the pool has enough liquidity | ||||||||||||||
| Aave v3 | Aave v3 · Mantle (USDT0)One rate for any amount.
| Flexible DeFi · smart contract | B· Medium risk | 4.36% | 2.85% | 4.36% | 4.36% | 4.36% | Token rewards Withdraw any time if the pool has enough liquidity | ||||||||||||||
| Aave v3 | Aave v3 · EthereumOne rate for any amount.
| Flexible DeFi · smart contract | B· Medium risk | 4.14% | 4.14% | 4.14% | 4.14% | 4.14% | Withdraw any time if the pool has enough liquidity | ||||||||||||||
| KuCoin | Simple Earn Fixed 365dOne rate for any amount.
| 365 days CEX · custodial | B· Medium risk | 4.10% | 4.10% | 4.10% | 4.10% | 4.10% | Locked 365 days | ||||||||||||||
| OKX | Simple Earn Fixed 90dOne rate for any amount.
| 90 days CEX · custodial | B· Medium risk | 4.00% | 4.00% | 4.00% | 4.00% | 4.00% | Locked 90 days | ||||||||||||||
| Bitget | Savings Flexible · VIP
| Flexible CEX · custodial | B· Medium risk | 4.00% | 2.88% | 4.00% | 4.00% | 4.00% | VIP required Withdrawal time: not published by the platform High rate only for the first 300k USDT | ||||||||||||||
| Kraken | Opt-in Rewards FlexibleOne rate for any amount.
| Flexible CEX · custodial | B· Medium risk | 4.00% | 4.00% | 4.00% | 4.00% | 4.00% | Withdrawal time: not published by the platform | ||||||||||||||
| Gate | On-chain Earn · AAVE-PlasmaOne rate for any amount.
| Staking CEX · custodial | B· Medium risk | 3.64% | 3.64% | 3.64% | 3.64% | 3.64% | Withdrawal takes about 1 days (T+1) Not confirmed whether the rate is before or after the platform’s fee | ||||||||||||||
| KuCoin | Simple Earn Fixed 180dOne rate for any amount.
| 180 days CEX · custodial | B· Medium risk | 3.60% | 3.60% | 3.60% | 3.60% | 3.60% | Locked 180 days | ||||||||||||||
| Gate | On-chain Earn · MorphoOne rate for any amount.
| Staking CEX · custodial | B· Medium risk | 3.57% | 3.57% | 3.57% | 3.57% | 3.57% | Withdrawal takes about 1 days (T+1) Not confirmed whether the rate is before or after the platform’s fee | ||||||||||||||
| OKX | Simple Earn Flexible (market rate)One rate for any amount.
| Flexible CEX · custodial | B· Medium risk | 3.50% | 3.50% | 3.50% | 3.50% | 3.50% | Withdrawal time: not published by the platform | ||||||||||||||
| Crypto.com | Crypto Earn Fixed 90d (Level Up Private)One rate for any amount.
| 90 days CEX · custodial | C· Higher risk | 3.50% | 3.50% | 3.50% | 3.50% | 3.50% | VIP required Locked 90 days | ||||||||||||||
| Spark Savings | Spark Savings · EthereumOne rate for any amount.
| Flexible DeFi · smart contract | B· Medium risk | 3.44% | 3.44% | 3.44% | 3.44% | 3.44% | Withdraw any time if the pool has enough liquidity | ||||||||||||||
| Gate | On-chain Earn · Powered by SparkOne rate for any amount.
| Staking CEX · custodial | B· Medium risk | 3.44% | 3.44% | 3.44% | 3.44% | 3.44% | Withdrawal takes about 1 days (T+1) Not confirmed whether the rate is before or after the platform’s fee | ||||||||||||||
| Gate | On-chain Earn · DeFi SparkOne rate for any amount.
| Staking CEX · custodial | B· Medium risk | 3.40% | 3.40% | 3.40% | 3.40% | 3.40% | Withdrawal takes about 1 days (T+1) Not confirmed whether the rate is before or after the platform’s fee | ||||||||||||||
| Bitget | Savings Flexible
| Flexible CEX · custodial | B· Medium risk | 7.87% | 3.21% | 4.61% | 3.35% | 3.22% | Withdrawal time: not published by the platform High rate only for the first 300 USDT | ||||||||||||||
| Bitget | Savings Fixed 14d · VIPOne rate for any amount.
| 14 days CEX · custodial | B· Medium risk | 3.20% | 3.20% | 3.20% | 3.20% | 3.20% | VIP required Locked 14 days | ||||||||||||||
| Gate | Fixed Term 30dOne rate for any amount.
| 30 days CEX · custodial | B· Medium risk | 3.20% | 3.20% | 3.20% | 3.20% | 3.20% | Locked 30 days | ||||||||||||||
| Venus | Venus · BSCOne rate for any amount.
| Flexible DeFi · smart contract | C· Higher risk | 3.10% | 3.10% | 3.10% | 3.10% | 3.10% | Withdraw any time if the pool has enough liquidity | ||||||||||||||
| Compound v3 | Compound v3 · EthereumOne rate for any amount.
| Flexible DeFi · smart contract | B· Medium risk | 3.01% | 3.01% | 3.01% | 3.01% | 3.01% | Withdraw any time if the pool has enough liquidity | ||||||||||||||
| Bitget | Savings Fixed 7d · VIPOne rate for any amount.
| 7 days CEX · custodial | B· Medium risk | 3.00% | 3.00% | 3.00% | 3.00% | 3.00% | VIP required Locked 7 days | ||||||||||||||
| KuCoin | Simple Earn Fixed 90dOne rate for any amount.
| 90 days CEX · custodial | B· Medium risk | 3.00% | 3.00% | 3.00% | 3.00% | 3.00% | Locked 90 days | ||||||||||||||
| Crypto.com | Crypto Earn Fixed 90d (Level Up Pro)One rate for any amount.
| 90 days CEX · custodial | C· Higher risk | 3.00% | 3.00% | 3.00% | 3.00% | 3.00% | VIP required Locked 90 days | ||||||||||||||
| Binance | Simple Earn Flexible
| Flexible CEX · custodial | B· Medium risk | 6.59% | 2.59% | 6.59% | 2.99% | 2.63% | Withdrawal time: not published by the platform High rate only for the first 1k USDT | ||||||||||||||
| Gate | Fixed Term 14dOne rate for any amount.
| 14 days CEX · custodial | B· Medium risk | 2.80% | 2.80% | 2.80% | 2.80% | 2.80% | Locked 14 days | ||||||||||||||
| KuCoin | Simple Earn Fixed 35dOne rate for any amount.
| 35 days CEX · custodial | B· Medium risk | 2.80% | 2.80% | 2.80% | 2.80% | 2.80% | Locked 35 days | ||||||||||||||
| Gate | Simple Earn FlexibleOne rate for any amount.
| Flexible CEX · custodial | B· Medium risk | 2.54% | 2.54% | 2.54% | 2.54% | 2.54% | Withdrawal time: not published by the platform | ||||||||||||||
| Bybit | Flexible Savings
| Flexible CEX · custodial | B· Medium risk | 7.32% | 2.32% | 3.32% | 2.42% | 2.33% | Withdrawal time: not published by the platform High rate only for the first 200 USDT | ||||||||||||||
| Gate | On-chain Earn · Compound V3One rate for any amount.
| Staking CEX · custodial | B· Medium risk | 2.31% | 2.31% | 2.31% | 2.31% | 2.31% | Withdrawal takes about 1 days (T+1) Not confirmed whether the rate is before or after the platform’s fee | ||||||||||||||
| KuCoin | Simple Earn Fixed 14dOne rate for any amount.
| 14 days CEX · custodial | B· Medium risk | 2.20% | 2.20% | 2.20% | 2.20% | 2.20% | Locked 14 days | ||||||||||||||
| Crypto.com | Crypto Earn Fixed 90d (Level Up Plus)One rate for any amount.
| 90 days CEX · custodial | C· Higher risk | 2.00% | 2.00% | 2.00% | 2.00% | 2.00% | VIP required Locked 90 days | ||||||||||||||
| Crypto.com | Crypto Earn Fixed 30d (Level Up Private)One rate for any amount.
| 30 days CEX · custodial | C· Higher risk | 2.00% | 2.00% | 2.00% | 2.00% | 2.00% | VIP required Locked 30 days | ||||||||||||||
| KuCoin | Simple Earn Fixed 7dmax 10M USDT/userOne rate for any amount.
| 7 days CEX · custodial | B· Medium risk | 1.80% | 1.80% | 1.80% | 1.80% | 1.80% | Locked 7 days | ||||||||||||||
| Crypto.com | Crypto Earn Fixed 30d (Level Up Pro)One rate for any amount.
| 30 days CEX · custodial | C· Higher risk | 1.50% | 1.50% | 1.50% | 1.50% | 1.50% | VIP required Locked 30 days | ||||||||||||||
| Bitget | Savings Fixed 7dOne rate for any amount.
| 7 days CEX · custodial | B· Medium risk | 1.30% | 1.30% | 1.30% | 1.30% | 1.30% | Locked 7 days | ||||||||||||||
| KuCoin | Simple Earn FlexibleOne rate for any amount.
| Flexible CEX · custodial | B· Medium risk | 1.14% | 1.14% | 1.14% | 1.14% | 1.14% | Withdrawal time: not published by the platform | ||||||||||||||
| KuCoin | Simple Earn Fixed 7dmax 100 USDT/userOne rate for any amount.
| 7 days CEX · custodial | B· Medium risk | 100.00% | 100.00% | 10.00%* | 1.00%* | 0.10%* | New users only Locked 7 days Max 100 USDT (≈ $100) per user | ||||||||||||||
| Crypto.com | Crypto Earn Flexible (Level Up Private)One rate for any amount.
| Flexible CEX · custodial | C· Higher risk | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | VIP required Withdrawal time: not published by the platform | ||||||||||||||
| Crypto.com | Crypto Earn Flexible (Level Up Pro)One rate for any amount.
| Flexible CEX · custodial | C· Higher risk | 0.75% | 0.75% | 0.75% | 0.75% | 0.75% | VIP required Withdrawal time: not published by the platform | ||||||||||||||
| MEXC | Flexible Savingsmax 20M USDT/user
| Flexible CEX · custodial | C· Higher risk | 6.00% | 0.50% | 2.35% | 0.69% | 0.52% | Withdrawal time: not published by the platform High rate only for the first 200 USDT | ||||||||||||||
| Crypto.com | Crypto Earn Flexible (Level Up Plus)One rate for any amount.
| Flexible CEX · custodial | C· Higher risk | 0.50% | 0.50% | 0.50% | 0.50% | 0.50% | VIP required Withdrawal time: not published by the platform | ||||||||||||||
| Crypto.com | Crypto Earn Fixed 30d (Level Up Plus)One rate for any amount.
| 30 days CEX · custodial | C· Higher risk | 0.50% | 0.50% | 0.50% | 0.50% | 0.50% | VIP required Locked 30 days | ||||||||||||||
| OKX | Simple Earn FlexibleOne rate for any amount.
| Flexible CEX · custodial | B· Medium risk | 10.00% | 10.00% | – | – | – | New users only Withdrawal time: not published by the platform | ||||||||||||||
| HTX | Fixed 7dOne rate for any amount.
| 7 days CEX · custodial | C· Higher risk | 100.00% | 100.00% | – | – | – | New users only Locked 7 days | ||||||||||||||
| Gate | Fixed Term 7dOne rate for any amount.
Paused / quota full | 7 days CEX · custodial | B· Medium risk | 1.80% | 1.80% | 1.80% | 1.80% | 1.80% | Sold out Locked 7 days |