10 Best Crypto Exchanges That Reward Users for Holding Stablecoins

From the able use of Best Crypto Exchanges That Reward Users for Holding Stablecoins have provided passive income without having to worry of unpredictable market conditions.

With large crypto exchanges, they now have users the opportunity to earn passive income even when just holding stablecoins like USDT, USDC, or DAI.

These exchanges have flexible savings, stakxing, and lending programs which all have security to keep your funds. Lastly, having the best exchange gives the best returns with no risk.

What is Stablecoins?

Cryptocurrencies that are designed for price stability are called stablecoins. They seek to peg their value to a fiat currency like USD or EUR. Stablecoins minimizes price fluctuations, unlike Bitcoin or Ethereum.

They can therefore be used as a medium of exchange that is stable enough for everyday transactions or savings. They achieve stability via fiat-backed reserves, crypto collaterization, or algorithmic supply adjustments.

Examples are USDT, USDC, DAI, or BUSD. Due to their price stability, crypto asset trading platforms facilitate a variety of utilizations of stablecoins, including the trading of volatile crypto assets, the platform aearning of passive interest, or market volatility protection.

Key Point

1. Binance

Binance allows clients to earn interest on stablecoins without moving them out of the platform (Binance Earn, Simple Earn). Flexible and locked term savings are available on USDT, USDC, DAI, TUSD and possibly BUSD and other coins on occasion.

Reports suggest stablecoin savings and/or interest earning plans on the platform at times even offer interest yields in the vicinity of 13%. (rate and coins differ). Due to the large volumes and high liquidity of stablecoins on the platform, all savings and interest earning products are subsidized.

Binance Features

• Supports USDT, USDC, BUSD, DAI.
• Offers flexible and locked savings programs through Binance Earn.
• Interest rates vary depending on which product you choose and the period you choose to lock in for.
• Large base of users and high liquidity help support stablecoin yields.
• Higher APR through promotional campaigns.

2. Coinbase

Coinbase has a reputation for being a simple and intuitive exchange to use, mainly for beginners. It supports stablecoin rewards for particular stablecoins (e.g., USDC).

Under “earn” or “interest” like offerings, they let users earn on their stablecoin holdings, which can be attractive to those that want to keep their assets in a low-volatile investment. Their yields range on other parameters such as lock-ups, account type, and region.

Among some other yield-optimized platforms, Coinbase can be on the more restrictive and regulated side, which could be less beneficial in terms of yield on the overall investment but more stable and predictable (Custom Blockchain Apps).

Coinbase Features

• Primarily supports USDC.
• Easy for beginners and regulated.
• Offers rewards on USDC through staking/lending.
• Stable, predictable yields on lending compared to high-risk platforms.
• Flexible deposit and withdrawal.

3. Kraken

Kraken supports USDC and other region specific stablecoins. Clients maintain liquidity and may transact while earning interest through the auto earn program.

At the moment, Kraken promotes approximations of 5.25% APR for USDC under the bonded rewards, with flexible-reward rates being marginally lower.

For clients seeking stablecoin yield but desiring the liquidity to withdraw their investments at any point, the “no lock-up / weekly payout / easy opt-in” system makes it an ideal selection.

Kraken Features

• Supports USDC, USDT, DAI.
• Auto-Earn program with flexible terms and locked savings.
• Interest is paid out weekly on savings.
• APR on stablecoins is published to ensure transparency.
• Easy opt-in and withdrawal with flexible terms.

4. Crypto.com

Through the “Earn” / “Savings” type services, Crypto.com provides savings or yield offerings for stablecoins. Users that make a deposit of stablecoins such as USDC or USDT will earn interest, as rates depend on whether a stake is provided in the platforms native token (CRO) and the lock-up duration that is selected.

In optimal cases (higher CRO stake + a longer lock-up) returns on the stablecoin deposits can be considerable which makes Crypto.com appealing to those that are willing to hold CRO.

Nevertheless, because yields depend on these extra conditions, returns can be inconsistent and necessitate thorough evaluation prior to placing the funds at stake.

Crypto.com Features

• Supports USDT, USDC, DAI.
• Earn program with interest rates that vary with the tiered system.
• Higher rates for staking of CRO tokens, as well as, longer lock-up times.
• Flexible and fixed-term savings.
• Frequent promotional campaigns and regular updates.

5. KuCoin

KuCoin has an extensive selection for the ‘Earn’ category, particularly the ‘Smart Earn’/ ‘Savings’/ ‘Hold-to-Earn’ for stablecoins, including USDT and USDC. (KuCoin) Yields (APR) can vary greatly among products, including flexible savings, fixed-term staking, and promotional offers.

Typical savings have lower returns, while promotional products may have higher returns for a limited period. (KuCoin) A positive of products that allow flexible savings is that users can withdraw at any time, but users should take care to read the promotional terms of the product, such as a lock-up and lower ceilings, that may also apply to the savings component.

KuCoin Features

• Supports USDT, USDC.
• Earn promotional programs, flexible savings and multiple products available.
• Tiered interest rates for the promotional product depending on how much you deposit.
• Certain products allow for flexible withdrawals.
• Periodic high-yield promotions.

6. OKX

OKX earns a place among exchanges that have a stablecoin yield option, ‘Simple Earn’ or equivalent savings/earn products, and stablecoins such as USDT, USDC, or DAI.

Based on recent overviews of yield platforms, users may find stablecoin interest/yield products on OKX appealing as they may provide competitive interest (though varying) and are aimed at users looking to earn passive yield on stablecoin holdings.

Other platforms do yield on stablecoin interest products, so OKX is no exception, and users should verify current underlying stablecoin interest rates prior to locking and to ensure they understand the plan in use (flexible vs. locked) as interest, demand, and the terms of the exchange can vary.

OKX Features

• USDT, USDC, DAI
• Simple Earn, term-based savings.
• Interest rate by coin, product.
• Flexible/locked options.
• APR updates based on market.

7. Bybit

Bybit has built a reputation based on its derivatives trading offerings. Thankfully, the exchange also has an opportunity for passive income via its savings/staking/earn USDT, USDC (and sometimes others) offerings, which allow for earning a relatively small yield rather than only trading.

For example, for smaller amounts (e.g. the frist 500 USDT/USDC), APRs tend to be more attractive, but once you exceed the threshold, the yield rates tend to pad out (tiered rates).

Bybit is a the preferred option for current traders on the exchange, but also want to make their unproductive stablecoins useful. Of course, this is only recommended after confirming the rates and other conditions on the given platform

Bybit Features

• USDT, USDC, DAI
• Easy Earn, staking
• Tiered rate based on lock period, deposit size.
• Certain products are flexible withdrawal.
• Higher yield from promotions.

8. Bitrue

Bitrue is another exchange/platform that offers stablecoin earning, also referred to as “savings / staking / promotional savings.” Bitrue periodically offers “staking / savings / weekly promotions / Power‑Piggy / flexible savings” options on stable coins, most frequently USDT or USDC, that award users for holding such coins on the exchange.

These offers can generate higher earnings relative to other USDT promotions, but as with other exchanges, myriad factors including rates, locked periods, and payout frequency differ, so users must check carefully.

Bitrue is among exchanges with a progressive reputation that do offer stablecoin earning. (General reviews of “best stablecoin‑earning platforms” often list Bitrue among exchanges offering yield on stablecoins.)

Bitrue Features

• USDT, USDC, DAI
• Power Piggy savings, promotions.
• Flexible, locked staking.
• Time-limited high-APR.
• Simple interface to earn staking stablecoin.

9. HTX

HTX (or exchanges similar to it in the regions where it operates) has been listed as one of the platforms providing stablecoin savings or yield-earning opportunities for stablecoins such as USDT or USDC.

Some third-party listings of stablecoin savings accounts include HTX in the list of exchanges where users could \”earn up to high APY\” for merely holding stablecoins. But as with all exchanges, the actual yield, terms, eligibility (per user/region), lock-up periods, and all the associated risks, need to be checked thoroughly before using any such product.

HTX Features

• USDT, USDC
• Auto-Earn, earn-zone.
• Rates can be flexible by region, product.
• lock/term options.
• Campaigns with high yield.

10. Bitfinex

Having been around for a while, Bitfinex is of the first entrants into the space. Users are able to earn stablecoins through the company’s margin‑lending services and lending market where customers earn interest when they loan out stablecoins (most often USDT or USDC).

Historically, the yields for stablecoins that are lent out on Bitfinex are on the lower end of the spectrum. One example would be a ~2.99% APY for USDT via lending.

Rates for lending do fluctuate and are heavily influenced by the demand and supply for the market, however, Bitfinex is the more conservative, lower risk platform if one is to earn interest on their stablecoins instead of the more aggressive options like staking or promotional tier plans.

Bitfinex Features

• USDT, USDC
• Interest from lending, margin-funding.
• Interest rate varies.
• Established platform, lower-risk returns
• returns are predictable and steady.

Conclusion

Passively earning income with minimal volatility has made stablecoins the go-to digital asset for crypto holders. Flexible savings, staking, lending, and promo rewards are earning opportunities available on major exchanges like Binance, Coinbase, Kraken, Crypto.com, KuCoin, OKX, Bybit, Bitrue, HTX, and Bitfinex. Rates of return (APRs), lock-up durations, and stablecoins available vary by exchange but all price the underlying issuance (regulatory arbitrage).

Although some offer high yield intakes on liquidity, most remain on the secure side of the volatility specter (the more yield the more stablecoins). In the end, all these exchanges provide the means for users to decrease their exposure to volatility through the passive intakes available in stablecoins.

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