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Not Just Parking Cash: USDT Income Options

This year, Bitcoin passed $120,000. Some chased after altcoins, while others parked profits in stablecoins. But stashing cash means missing yield. From safe exchange rates to high-return DeFi, we’re comparing the main ways to earn passively.

Get USDT & Stake

Centralized Exchanges

Most investors still start with CEXs for their simplicity and liquidity. Currently, average yields hover around 5%, with extra perks for newcomers.

Binance: Up to 13% on flexible USDT deposits, though only on the first 200 USDT. After that, it drops to 5%. Withdrawals are instant.

OKX: 5% on flexible USDT, or 10% for new users for 180 days. It also lets you earn via DeFi protocols like Aave and Compound, but without leaving the exchange.

Kraken: 5.5% APY on USDT, no minimum deposit, with weekly payouts.

DeFi Protocols

DeFi promises higher yields than CEXs, but its real draw is control: funds sit in smart contracts, not with a custodian, and there’s no KYC. The trade-off is risk: even reputable protocols can have vulnerabilities, and scammers have been known to exploit old dApp domains still listed on platforms like DeFi Llama.

Aave: Lending across 17 chains, with USDT yields from 3-10%. Liquidity shifts can push rates higher.

Morpho: Builds on Aave and Compound with a P2P layer, boosting efficiency and returns (4-10%). Its V2, launched June 2025, added fixed rates.

Sky Protocol (ex-MakerDAO): Around since 2017, now offering 4.5% via the Sky Savings Rate.

Ethena: Pays ~10% on its synthetic USDe, jumping to 15-25% in busy markets.

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