Got USDT sitting idle? Put it to work earning interest. Different products offer 1% to 15%+ APY. Register on Binance and download the Binance app.
Flexible Earn
Deposit/withdraw anytime. 1-5% APY (higher during bull markets when borrowing demand surges). Best for parking trading capital.
Fixed Earn
Lock for 30-120 days. 3-8% APY. Limited quotas fill fast. Early redemption may forfeit interest.
Dual Investment
Advertised APY can be 30-100%+, but it's annualized for short-term products, and you face conversion risk if the target price is hit.
Funding Rate Arbitrage
Buy spot + short futures to earn funding rate. Can yield 15-30%+ annualized during bullish sentiment, but complex and rate direction can flip.
Compared to Traditional Finance
USDT yields significantly beat bank deposits. But USDT carries issuer risk (Tether transparency debates) and exchange counterparty risk. Don't convert all savings to USDT.
Interest Distribution
Flexible: daily compounding. Fixed: at maturity. Check the Earn page for detailed breakdowns.