Best USDT Interest Rate and Highest APY

Best USDT Stablecoin Interest Rate - Get Highest APY

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 the billionaires do.

In the end, we describe why it´s so important to get the very best interest rate and how much this can impact your long-term USDT holdings.

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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.




Midas Investment USDT Interest Rates

Midas Investment is a centralized investment platform investing in Defi for cryptocurrencies.

Midas Investment generates passive income for you 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.

Here, you can lend almost any cryptocurrency to earn a good interest yield. 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 gives the Best USDT Interest

YouHodler is offering the best USDT stablecoin interest yield. Here, you can get 12.3%.

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 100.000 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


+ 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


– There are fees on withdrawals

– Minimum is $100, and maximum is $100.000

BlockFi Gives a great USDT Interest

With BlockFi, you can earn interest on your USDT with no duration time and one free withdrawal each month.

BlockFi has no minimum or maximum deposit to earn interest on USDT.

BlockFi is about to launch its free BlockFi crypto Visa credit card with 1.5% cashback.

BlockFi Pros and Cons


+ BlockFi has no lock-up periods

+ BlockFi has no loyalty programs and no native token

+ BlockFi has the best free crypto sign up bonus ($250)


– BlockFi has capped different cryptocurrencies at different levels. A maximum cap is somewhat confusing, meaning that you can earn different yields on the same crypto

– BlockFi has to lower its yields lately (2021 summer)

$250 BlockFi SignUp Bonus

BlockFi has probably the best signup bonus among all interest accounts. Here, you can get $15 when you deposit $100 but you can get up to as much as $250. Go to BlockFi via our link for full terms and conditios.

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


+ Binance has many cryptocurrencies with excellent yields

+ Binance is a great trading platform


– 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

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 they have 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.

If this is not enough, you can also choose between fixed and flexible terms.

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 2022.

Celsius Network has better alternatives than USDT stablecoin

Celsius Network is not offering one of the best USDT interest rates when writing this article. 

Both BlockFi and YouHodler have better rates than Celsius, and if you are about to deposit USDT, there is no reason to go for Celsius over BlockFi or YouHodler.

Our Celsius Network review will read more about the Celsius team, Celsius company, and CEL tokenomics.

Also, we have created a step-by-step guide on how to stake Celsius. Here, you will also find information about loyalty levels, additional promo codes, and transaction history. The other Celsius Network deposits bonuses can give you $10-$2000.

Many crypto holders do have some Bitcoin BTC in their portfolios. If you HODL Bitcoin, you might want to earn passive income. Celsius Network is offering the best Bitcoin BTC interest rate APY 6.2%.

Celsius SignUp Bonus

Celsius has a great signup bonus where you will get $50 in BTC when you sign up with our referral link and deposit at least $400. The bonus will be released after 30 days.


Code: 187146807e

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.


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 StartUSDT InterestUSDT, after ten yearsUSDT, after 30 years
100 Binance1,020122181
100 NEXO1,0802161006
100 Celsius1,0892341284
100 BlockFi1,0932431441
100 YouHodler1,1273313612

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.

Best USDT Stablecoin Interest Rate table with payouts 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

  1. USDT itself is a risk since it’s not a regulated cryptocurrency
  2. Any company providing a USDT interest saving account could fail due to bad business (go bankrupt)
  3. Any company providing a USDT interest saving account could be hacked

Read more about crypto risk management