Mainstream CEX Stablecoin Flexible Savings Yield Overview: USDT Small-Deposit Tier Up to 10%, Bitget Reaches 7.96%

October 9th, according to the latest data, the stablecoin demand deposit yields on HTX, Binance, OKX, and Bitget continue to feature "small amounts with high yields, excess amounts downgraded." In the table, OKX yields are displayed after deducting a 15% fee.

For USDT, HTX's 0-200 USDT tier shows an annualized rate of 10%, dropping to 1.95% for excess amounts; Bitget's 0-300 USDT tier is 7.96%, dropping to 3.30% for excess amounts; Binance's 0-1,000 USDT tier is 6.57%, dropping to 2.57% for excess amounts; OKX is 2.56%.

For USDC, HTX's 0-200 USDC tier shows an annualized rate of 8%, dropping to 2.75% for excess amounts; Bitget's 0-300 USDC tier is 6.66%, dropping to 1.38% for excess amounts; Binance is 2.49%; OKX is 2.32%.

For other stablecoins, HTX's USDT SVIP tier shows an annualized rate of 6%-9%, applicable to amounts of 50,000-100,000; Binance's USDT SVIP is 2.6%-2.65%; Bitget's USDT SVIP 0-300,000 tier is 4%, dropping to 2.88% for excess amounts. USDE on HTX, Binance, and Bitget shows annualized rates of 5%/3% tiered, 4.75%, and 1.00% respectively; HTX's USDD is 4.00%; the U coin on Binance's 0-8,000 tier is 7.06%, dropping to 1.06% for excess amounts.

Overall, high yields remain concentrated in small-amount tiers, with annualized rates generally declining as fund sizes expand. When comparing products, users should also pay attention to tier caps, interest calculation rules, fees, and real-time availability. The above data are yields displayed on the pages and do not constitute investment advice.