Mainstream CEX Stablecoin Yield Review: USDT Tier 1 up to 10%, U Product up to 8.57%

August 14th. According to the latest compiled data on mainstream CEX live savings/yield farming, platforms such as HTX, Binance, OKX, Bitget, and others still exhibit a "low amount, high yield, excess rate cut" structure for stablecoin live savings returns, with USDT, USDC, and Binance U products showing relatively prominent returns in the low amount tier.

For USDT, in the HTX 0-200 USDT tier, the displayed APY reaches 10%, dropping to 1.95% for amounts over 200 USDT; Bitget's 0-300 USDT tier is at 6.59%, decreasing to 1.93% for excess amounts; Binance's 0-200 USDT tier is at 4.83%, lowering to 1.83% for excess; OKX is at 1.94%.

Regarding USDC, in the HTX 0-200 USDC tier, the displayed APY is 8%, falling to 2.75% for over 200 USDC; Bitget's 0-300 USDC tier is at 6.66%, dropping to 1.84% for excess; OKX is at 2.18%; Binance is at 2.16%.

For other stablecoins, in the HTX USDT VIP tier, the displayed APY is 6%-9%, applicable for amounts between 50,000-100,000; Bitget's USDT VIP 0-300,000 tier is at 2.38%, decreasing to 2.06% for excess. USDE's displayed APY on HTX and Bitget are 5%/3% tiered, 1.00% respectively; HTX USDD is at 4.00%; Binance's U product 0-8,000 tier displays an APY of 8.57%, dropping to 0.57% for excess.

Overall, the current mainstream CEX stablecoin live savings high returns are still mainly concentrated in small amount tiers, with high capital yields generally decreasing. When comparing related products, users should consider not only the nominal APY but also pay attention to the maximum limit, interest calculation rules, platform support for currencies, and real-time availability of products. The above data shows displayed yields on the page and does not constitute investment advice.