Earn on Stablecoins
A catalog of earn offers for stablecoins: yield (APY), lock-up terms, and platforms — in one list for comparing conditions. Available 99 offers.
USDT
Toobit
APY 202.60%
USDC
Htx
APY 8.00%
USDT
Okx
APY 10.00%
| Token | Rate | Term | Platform | Platform reliability | |
|---|---|---|---|---|---|
 USD1 For new users | 600.00% | 1 day |  Mexc | 9 / 10 | |
USDT For new users | 600.00% | 2 days | Mexc | 9 / 10 | |
USDT For new users | 202.60% | 7 days | Toobit | 9 / 10 | |
USDC For new users | 200.00% | 7 days | Toobit | 9 / 10 | |
USDT For new users | 100.00% | 7 days |  Kucoin | 9 / 10 | |
USDT For new users | 100.00% | Htx | 6 / 10 | ||
USDC Small limit | 100.00% | Htx | 6 / 10 | ||
 USDS Small limit | 100.00% | Htx | 6 / 10 | ||
USD1 | 20.00% | Mexc | 9 / 10 | ||
USDC | 15.00% |  Xt | 7 / 10 | ||
USDT | 12.00% |  Phemex | 7 / 10 | ||
USDT | 12.00% | Xt | 7 / 10 | ||
USDT | 12.00% | Mexc | 9 / 10 | ||
USDT | 11.60% |  Bitunix | 9 / 10 | ||
USDT | 10.00% | Okx | 10 / 10 | ||
USDC | 10.00% | Okx | 10 / 10 | ||
USDT | 10.00% | Xt | 7 / 10 | ||
USDC Small limit | 10.00% | Toobit | 9 / 10 | ||
USDC | 10.00% | Mexc | 9 / 10 | ||
USDT | 10.00% | Htx | 6 / 10 | ||
USDT For new users | 10.00% | 3 days | Xt | 7 / 10 | |
USD1 | 9.45% |  Binance | 10 / 10 | ||
USDT For VIP clients | 9.00% | Htx | 6 / 10 | ||
USDC | 8.00% | Htx | 6 / 10 | ||
USDT | 7.85% |  Bybit | 9 / 10 | ||
USDC | 7.08% | Binance | 10 / 10 | ||
USDT | 6.66% |  Bitget | 10 / 10 | ||
USDC | 6.66% | Bitget | 10 / 10 | ||
USDT | 5.96% | Binance | 10 / 10 | ||
USDT | 5.66% | Xt | 7 / 10 | ||
USDC | 5.50% | Phemex | 7 / 10 | ||
USDC | 5.20% | Xt | 7 / 10 |
Earn on stablecoins: how it works
Earn on stablecoins means placing assets such as USDT, USDC, DAI, and others on an exchange or in a DeFi protocol with rewards paid under the product rules. Rewards are usually paid in the same or another stable denomination, so the outcome is described through annual yield rather than through price appreciation of a volatile asset.
APR is an annual rate without reinvestment in the formula. APY may include reinvestment per the platform’s methodology. Both depend on the product and do not lock in a fixed final result.
Markets offer flexible and fixed products that differ in term, withdrawal rules, and accrual schedule. Exact parameters are set by the platform.
Risks and limitations
Yield and withdrawal availability are not permanent: rates change, and product terms depend on the platform, liquidity, and market conditions.
- Counterparty — on centralized services, assets and execution depend on the operator;
- Smart contracts — in DeFi, rules and position safety are defined by protocol code;
- Issuer and peg — a stablecoin may temporarily deviate from its target price or change circulation terms;
- Lock-ups and terms — fixed products restrict withdrawals until the period ends or per unlock rules;
- Fees — network, platform, and conversion costs affect the realized outcome.
Materials on this page are informational and are not a personal recommendation or a call to action.
Compound yield and reinvestment
When rewards are added to the principal and continue to earn, the balance can grow faster than a simple “rate on the original amount” scheme. Final yield depends, among other things, on:
- accrual frequency and the platform’s reinvestment mode;
- fees on deposit and withdrawal;
- product type — flexible or fixed term, early-exit rules;
- top-ups — each new amount starts earning from its own entry date.
If the rate changes over the holding horizon, estimates are often split into sub-periods with a constant rate inside each segment. More complex scenarios with top-ups, withdrawals, and fees are easier to model in the yield calculator.
Earn on exchanges and in DeFi
On centralized platforms, earn on stablecoins is usually handled through an exchange account: a single interface, familiar product statuses, and a custodial layer — assets and execution depend on the operator.
In DeFi, terms are set by protocol smart contracts: the user manages the wallet and position directly, and the evaluation includes network fees, contract upgrades, and the accrual mechanics of the specific pool or module.
APY, term, and withdrawal rules for the same token can differ across channels due to product design, liquidity, and platform policy.
How comparison works on Compare-DeFi
This page aggregates earn offers for stablecoins: the list shows token, platform, APY (or the related rate from the source), term, and a product link — when those fields are present in the integration data.
Filters by token (including USDT, USDC, DAI, and other catalog stablecoins) and platform are available; sorting orders the list by the selected field. Following a link opens the platform site with its interface and current terms. Data comes from integrations and updates as offers change.
Related sections: the full earn catalog, the calculator, and stablecoin liquidity pools — a different product class with different yield mechanics.
Frequently Asked Questions (FAQ)
Yes. Exchanges and DeFi protocols offer earn products for stablecoins: funds are placed under the platform’s rules, and rewards accrue as yield. Term, rate, and withdrawal rules are set by the specific product.
This page lists offers for tokens such as USDT, USDC, USDS, USDe, DAI, PYUSD, and other stablecoins from the filter. The set of assets and platforms depends on current integrations and may change.
The comparison usually shows an annual rate from the data source — often as APY or a related platform metric. The value reflects product terms at the update time and does not guarantee a fixed outcome: the rate, fees, and accrual mode can differ.
With earn on stablecoins, the result is mainly tied to the accrued yield in a stable denomination rather than to the asset’s price move. With volatile coins, the final result is also affected by the market price. Risks and product mechanics still depend on the platform in both cases.
A flexible product usually allows withdrawal under platform rules without a hard lock-up term. A fixed product sets a placement period and other early-exit conditions. Rate, accrual frequency, and limits are described in the product card on the platform side.
Offers show data from integrations: token, platform, yield rate, term (when present in the source), and a product link. Filters and sorting are available. The field set may expand as the API and page layout update.
Rates and terms on platforms change; values on Compare-DeFi update as new data arrives from sources and synchronization jobs run.