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CIR ranking · USDT accounts
Best USDT interest accounts and earn platforms
These matching USDT platforms are ordered definitively by score. Base and maximum APY, product structure, lockup and availability are shown to help readers evaluate the ranked options.
Lune
Tracked USDT rate
29.5%
CoinDepo
Tracked USDT rate
Up to 23%
Clapp Finance
Tracked USDT rate
Up to 8.2%
Phemex
Tracked USDT rate
Up to 5%
#1 · Best overall
Lune
Why it stands out: Lune combines a 4.7 score with a tracked USDT offer of 29.5%. The ranking balances editorial score and rate competitiveness, then checks the product structure, access and lockup before assigning a category award.
- Base APY
- 29.5%
- Product type
- Exchange rewards product
- Lockup
- 1-360 days
- Availability
- Worldwide
Why consider it
- +Score of 4.7 out of 5.
- +29.5% tracked USDT offer.
- +Worldwide availability is reported.
Tradeoffs to check
- !29.5% APR requires the 360-day Earn pool. Early withdrawal conditions apply; confirm account and regional eligibility before depositing.
- !1-360 days is the listed lockup or withdrawal term; verify it directly.
- !USDT yield is not an insured bank deposit and can involve platform, lending, custody or smart-contract risk.
#2 · Runner-up
CoinDepo
Why it stands out: CoinDepo combines a 4.7 score with a tracked USDT offer of 17% base · up to 23%. The ranking balances editorial score and rate competitiveness, then checks the product structure, access and lockup before assigning a category award.
- Base APY
- 17%
- Product type
- USDT earn product
- Lockup
- None
- Availability
- Worldwide
Why consider it
- +Score of 4.7 out of 5.
- +17% base · up to 23% tracked USDT offer.
- +Worldwide availability is reported.
Tradeoffs to check
- !APR depends on payout schedule: daily 17%, weekly 17.5%, monthly 19%, quarterly 20%, semiannual 21%, annual 23%. Confirm account and jurisdiction eligibility before depositing.
- !No fixed lockup is currently listed; verify withdrawal timing and product-specific conditions.
- !USDT yield is not an insured bank deposit and can involve platform, lending, custody or smart-contract risk.
#3
Clapp Finance
Why it stands out: Clapp Finance combines a 4.5 score with a tracked USDT offer of 0% base · up to 8.2%. The ranking balances editorial score and rate competitiveness, then checks the product structure, access and lockup before assigning a category award.
- Base APY
- 0%
- Product type
- Exchange rewards product
- Lockup
- None to 12 months
- Availability
- Available in the US and other supported countries; product access varies by jurisdiction
Why consider it
- +Score of 4.5 out of 5.
- +0% base · up to 8.2% tracked USDT offer.
- +Available in the US and other supported countries; product access varies by jurisdiction availability is reported.
Tradeoffs to check
- !Advertised up-to ceiling for a 12-month Fixed Savings term. Eligibility, jurisdiction and provider terms apply. Asset page does not establish a broadly attainable base rate.
- !No fixed lockup is currently listed; verify withdrawal timing and product-specific conditions.
- !USDT yield is not an insured bank deposit and can involve platform, lending, custody or smart-contract risk.
#4
Phemex
Why it stands out: Phemex combines a 4.3 score with a tracked USDT offer of 2% base · up to 5%. The ranking balances editorial score and rate competitiveness, then checks the product structure, access and lockup before assigning a category award.
- Base APY
- 2%
- Product type
- Exchange rewards product
- Lockup
- Check product
- Availability
- Restricted in the U.S., UK, Australia and other listed jurisdictions; Canadian restrictions include Ontario, Quebec, Alberta and Saskatchewan.
Why consider it
- +Score of 4.3 out of 5.
- +2% base · up to 5% tracked USDT offer.
- +Restricted in the U.S., UK, Australia and other listed jurisdictions; Canadian restrictions include Ontario, Quebec, Alberta and Saskatchewan. availability is reported.
Tradeoffs to check
- !USDT Flexible Savings: 5% on the first 50,000 USDT and 2% from 50,000 to 500,000 USDT. Individual cap 500,000 USDT; total pool cap 10 million USDT.
- !Check product is the listed lockup or withdrawal term; verify it directly.
- !USDT yield is not an insured bank deposit and can involve platform, lending, custody or smart-contract risk.
How we ranked these picks
- 1.To qualify, a platform must be listed by CIR with a tracked USDT-specific rate.
- 2.Score determines the ranking order. The highest-scoring matching platform ranks first.
- 3.Ties in score are resolved by the tracked USDT rate, then platform name.
- 4.We show base and maximum APY separately so a conditional headline rate does not appear universally available.
- 5.Product structure, geography and access can outweigh a small rate difference.
- Read the full Coin Interest Rate methodology
Ranking the best Tether interest rates (USDT) across crypto interest accounts, making it easy to compare.
New US regulations prevent stablecoin issuers, like Tether, from paying passive interest to holders. Platforms listed below are not issuers.
Stablecoins are not FDIC insured and earning yield typically requires lending or otherwise deploying the asset, which involves risks.
We retain the term Interest Rate on this page as a universal benchmark to help you compare these rates.
Risk note: USDT earn products are not insured bank deposits. Returns are generated by lending, staking, or other third-party activity — confirm how returns are generated, who controls the assets, and when withdrawals are available. Disclosure: Rates and terms change. Some outbound links may compensate Coin Interest Rate. Affiliate terms do not impact our editorial reviews. Full disclaimer
The GENIUS Act restricts permitted payment-stablecoin issuers from paying interest or yield solely for holding, using or retaining a payment stablecoin. The third-party products below are separate from issuer-paid yield and have their own terms and risks.
| Platform | Asset & product | Rate range | Requirements & freshness |
|---|---|---|---|
| USDTProduct details unconfirmed | 29.5% Rate | 1-360 daysChecked October 20, 2026 |
| USDTProduct details unconfirmed | 17–23% Rate | NoneChecked October 25, 2026 |
  | USDTProduct details unconfirmed | 12% Rate | NoneChecked October 25, 2026 |
  | USDTProduct details unconfirmed | 11.5% Rate | None or 1 monthChecked October 25, 2026 |
  | USDTProduct details unconfirmed | 10.52% Rate | NoneChecked August 23, 2026 |
  | USDTProduct details unconfirmed | 5% Rate | Varies by strategy: Maker Core withdrawals may require up to 30 days bonding; Liquidity Providing allows withdrawals anytime.Checked October 21, 2026 |
  | USDTProduct details unconfirmed | 5% Rate | NoneChecked September 7, 2026 |
  | USDTProduct details unconfirmed | 4.25% Rate | NoneChecked October 25, 2026 |
  | USDTProduct details unconfirmed | 4% Rate | Checked October 5, 2026 |
  | USDTProduct details unconfirmed | 3.85% Rate | Checked May 11, 2026 |
  | USDTProduct details unconfirmed | 3.3–7% Rate | Checked May 11, 2026 |
  | USDTProduct details unconfirmed | 3% Rate | 30-365 daysChecked August 20, 2026 |
  | USDTProduct details unconfirmed | 2.01–3.79% Rate | 7-90 daysChecked May 11, 2026 |
| USDTProduct details unconfirmed | 2–5% Rate | Checked August 23, 2026 |
  | USDTProduct details unconfirmed | 0.5% Rate | None (flexible), 1 month, 3 monthsChecked May 11, 2026 |
Tether (USDT) is a stablecoin linked with the value of the dollar, offering a steadier investment option amidst other volatile crypto tokens.
Understanding and comparing Tether interest rates is crucial for investors looking to maximize returns and manage risk effectively.
By choosing platforms offering the best Tether interest rates (APY, Annual Percentage Yield), investors can earn more from their holdings, leveraging the stability of USDT to secure a predictable income.
On this page, we offer an in-depth comparison of the best Tether interest rates available across top-tier platforms. Our ranking helps you navigate through the complex landscape of crypto interest rates, focusing on the most reliable and profitable options for your Tether investments. We regularly update our listings to ensure that you have access to the latest and most accurate rates, helping you make informed decisions that align with your financial goals.
See also: CeFi Rates for Tether.
Tether (USDT) is a crypto-asset and one of the most popular and widely used stablecoins in the cryptocurrency market. Tether was created in 2014 with the aim of providing a digital asset that can be easily transferred between exchanges and used for trading other cryptocurrencies.
How is Tether backed?
Each Tether token is meant to be backed by one U.S. dollar held in reserve by the company behind Tether, Tether Limited. This backing is intended to ensure that USDT can be redeemed for U.S. dollars at a 1:1 ratio, providing stability and reducing price fluctuations. USDT is traded on numerous cryptocurrency exchanges and is often used as a substitute for U.S. dollars in trades, allowing investors to quickly move in and out of other cryptocurrencies without having to convert to and from fiat currencies. Tether Limited was started by a group of Bitcoin enthusiasts.
While Tether has faced scrutiny regarding the transparency of its reserves and backing, it remains one of the largest and most liquid stablecoins in the crypto market, facilitating billions of dollars in daily trading volume. Its widespread adoption and perceived stability have made it a crucial component of the cryptocurrency ecosystem and its future usage is certain to be sustained.