This article will list the best USDT stablecoin interest rates so you know where to go to get the highest APY on your USDT holdings.
We compare the best accounts to get your idle USDT to work and earn crypto passive income, just like billionaires do.
Ultimately, we describe why it´s essential to get the best interest rate and how much this can impact your long-term USDT holdings.
Do you HODL more cryptocurrencies?
Find the best crypto interest rate APY and staking rewards for your holdings. Make sure to make your money work for you.
No Financial Advice, Information only. Do your own research
What is USDT Stablecoin?
USDT is a blockchain-based stablecoin. It´s called stablecoin because its price should be stable against any other currency or asset. In this case, USDT should be tough against the USD and backed by an equivalent traditional fiat currency.
Tether tokens are the native tokens of the Tether network and are traded under the USDT symbol. Antoher USD crypto stablecoin is USDC. Read more about the best USDC stablecoin interest rates and yields.
Where to get the best USDT stablecoin Interest Rate?
We have listed all the best USDT stablecoin interest rates from different exchanges and other platforms in the table below.
Interest rates ranging from 8% to 20% will be excellent compared to what traditional fiat generates on a standard bank savings account.
Invest
Interests
Review
*Sign up bonus with terms and conditions
**Reduction in fees
- Allow US residents to earn interest
NEXO - good Loyalty Interest on USDT Stablecoin
NEXO is a regulated and licensed company where you can get a good yield on your USDT stablecoin holdings. NEXO has quite good interest rates but a complicated loyalty system.
They have four different loyalty levels.
- Base – Up to 1% NEXO tokens in your portfolio
- Silver – 1-5% NEXO tokens in portfolio
- Gold – 5-10% NEXO tokens in the portfolio
- Platinum – Above 10% NEXO tokens in portfolio
On top of this, you will earn an additional interest rate if you choose to receive the interest payments in the NEXO token.
You can also choose between fixed and flexible terms if this is not enough.
NEXO is offering daily compound interest payouts.
For more information about NEXO, see our full Nexo wallet review with loyalty levels and best interest rates in 2022.
Midas Investment USDT Interest Rates
Midas Investment is a centralized investment platform investing in Defi for cryptocurrencies.
Midas Investment generates passive income when you deposit some of the largest cryptocurrencies by marketcap, like USDT.
Midas Investment launched in 2018 with its investment strategies in the Defi market.
KYC is mandatory, and Midas Investment allows US customers to sign up. Read more in our Midas Investment review.
Kucoin Margin Lending USDT Interest Rates
Kucoin margin lending is a peer-to-peer margin funding marketplace where Kucoin matches lenders and borrowers.
You can lend almost any cryptocurrency to earn a good interest yield here. You can always see the current market rates for each cryptocurrency, and you don’t have to log in for this. Follow this link to see the current Kucoin lending rates for the stablecoin USDT.
YouHodler USDT APY Interest Rate
YouHodler is offering one of the best USDT stablecoin interest yields. Here, you can get 8%.
In addition, YouHodler has pooled crime insurance insured by $150M by Ledger Vault.
You will receive weekly payouts from YouHodler.
With YouHodler, the minimum deposit amount to start earning the interest is 100 USD (in crypto equivalent). At the same time, you will not make any interest on holdings above the equivalent of 20.000 USD worth of your crypto portfolio.
If you hold Uniswap UNI tokens, YouHodler also gives the best Uniswap UNI interest rates.
YouHodler Pros and Cons
Pros
+ YouHodler has no lock up periods
+ YouHodler has no loyalty programs and no native token
+ YouHodler has many cryptocurrencies and, in general, a good yield
+ $150M pooled crime insurance with Ledger Vault
Cons
– There are fees on withdrawals
– Minimum is $100, and the maximum is $20.000
Read more in our YouHodler review.
Binance Not the best on USDT Stablecoin
Binance doesn´t have the best opportunity to grow your USDT by passive income.
However, Binance has excellent opportunities for the best Polkadot DOT interest rates.
Binance is the largest crypto exchange with a massive difference in products for crypto passive income.
Read more about Binance in our Binance review.
Binance Pros and Cons
Pros
+ Binance has many cryptocurrencies with excellent yields
+ Binance is a great trading platform
Cons
– For USDT, Binance has no good yield
– Binance has lockup periods that can be as short as seven days which means you must redeposit every seven day
CoinRabbit USDT interest APY Rate
Coinrabbit offers up to 8% APY on its USDT savings account.
CoinRabbit is a cryptocurrency lending and borrowing online platform. There are no lock-up periods and no KYC requirements.
In addition, there are no withdrawal fees and you can deposit between $100-$1.000.000. The accumulated reward amount is updated on your dashboard daily with compounding interest.
Read more in our Coinrabbit review.
What is an USDT interest Account?
A USDT interest account is an account that you can deposit your USDT into to receive interest on them.
The interest, in turn, is often obtained by the company that offers the interest account lending your USDT, often for margin trading but also for other purposes.
Read more bout how to earn Bitcoin with a crypto interest account.
USDT Investment Strategy 2022
Here, at Cryptocoinzone we focus on how to acheive the best interest rates and staking rewards while you HODL your cryptocurrencies.
We believe HODL is the best investment strategy to apply for the majority of your crypto portfolio
We believe in HODL because
- HODL creates fewer taxable events than trading
- HODL probably gives less volatility in your portfolio than trading
- HODL will probably create less emotional volatility for you because of the above bullet point
- Most large investors apply this strategy since it creates lees taxable events and is less time-consuming than active trading (for the majority of the portfolio)
You might want to trade with a part of the portfolio to add some “spice” to it.
Read more about HODL as the best crypto investment strategy.
Why should you bother about the best USDT interest?
It´s vital to get the best interest rate for your USDT holdings if you intend to hold them over time.
Why?
Well, it´s known as the interest-on-interest effect. This effect will considerably impact your USDT savings account in the long term.
Let´s make some calculations to visualize this even better.
We pretend you have 100 USDT you deposit into five different savings accounts for ten years or 30 years.
You can see the results in the table below after ten years and 30 years.
USD Start | USDT Interest | USDT, after ten years | USDT, after 30 years |
100 Binance | 1,020 | 122 | 181 |
100 NEXO | 1,080 | 216 | 1006 |
100 Celsius | 1,089 | 234 | 1284 |
100 BlockFi | 1,093 | 243 | 1441 |
100 YouHodler | 1,127 | 331 | 3612 |
Now, let´s make transform the data table into diagrams to visualize the difference even better. In the table below, you can see all the best savings accounts for USDT stablecoin and how they will perform for 10 years and 30 years.

What are the risks with USDT Interest Savings account
As for all investments, there are risks with USDT interest savings accounts.
Some of the risks are
- USDT itself is a risk since it’s not a regulated cryptocurrency
- Any company providing a USDT interest saving account could fail due to bad business (go bankrupt)
- Any company providing a USDT interest saving account could be hacked
Read more about crypto risk management.