{"id":25720,"date":"2025-07-31T14:31:19","date_gmt":"2025-07-31T11:31:19","guid":{"rendered":"https:\/\/forklog.com\/en\/where-to-keep-usdt-ahead-of-a-bear-market-a-comparison-of-platforms-offering-up-to-14\/"},"modified":"2025-07-31T14:31:19","modified_gmt":"2025-07-31T11:31:19","slug":"where-to-keep-usdt-ahead-of-a-bear-market-a-comparison-of-platforms-offering-up-to-14","status":"publish","type":"post","link":"https:\/\/forklog.com\/en\/where-to-keep-usdt-ahead-of-a-bear-market-a-comparison-of-platforms-offering-up-to-14\/","title":{"rendered":"Where to keep USDT ahead of a bear market: a comparison of platforms offering up to 14%"},"content":{"rendered":"<p>In 2025, bitcoin<a href=\"https:\/\/forklog.com\/en\/news\/bitcoin-breaches-a-record-120000-amid-institutional-demand\"> rose<\/a> above $120,000. Some investors started buying altcoins, while more conservative ones looked to lock in profits in stablecoins.<\/p>\n<p>Simply holding fiat and stablecoins means forgoing additional returns. Contemporary services offer 2%\u201314% annual yields while waiting for the next bear market.<\/p>\n<p>We reviewed three categories of platforms for passive income: centralised exchanges with conservative rates, specialised earn services with higher yields, and DeFi protocols for seasoned crypto investors. Here is what suits different types of users.<\/p>\n<h2 class=\"wp-block-heading\">Exchanges<\/h2>\n<p><span data-descr=\"centralised exchanges\" class=\"old_tooltip\">CEX<\/span> remain the first choice for most investors thanks to ease of use and deep liquidity. As of July 2025 they offer yields from 5%, along with temporary sign-up bonuses. Among those popular in the CIS and Eastern Europe:<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Binance.<\/strong> Up to 13% on flexible USDT deposits. The higher rate applies only to balances up to 200 USDT; above that, yields drop to 5%. A key benefit is instant liquidity from flexible deposits;<\/li>\n<li><strong>MEXC.<\/strong> 11% on flexible deposits. New users receive a bonus rate of 600% for two days;<\/li>\n<li><strong>OKX.<\/strong> Flexible USDT deposits at 5% and 10% for new users for 180 days, plus the option to earn via DeFi protocols Aave and Compound by delegating funds to the exchange;<\/li>\n<li><strong>Kraken.<\/strong> 5.5% <span data-descr=\"annual percentage yield\" class=\"old_tooltip\">APY<\/span> on USDT with no minimum deposit. Payouts are weekly.<\/li>\n<\/ul>\n<h2 class=\"wp-block-heading\">DeFi protocols<\/h2>\n<p>In decentralised finance, experienced users can find higher yields than on CEX. The chief advantages are non-custody and the absence of <span data-descr=\"know your customer\" class=\"old_tooltip\">KYC<\/span> checks. Funds are governed by smart contracts rather than a centralised organisation.<\/p>\n<p>Risks matter, though: even battle-tested projects <a href=\"https:\/\/forklog.com\/en\/news\/a-grim-half-year-scams-and-hacks-cost-the-industry-3-1-billion\">may contain<\/a> vulnerabilities. A recent study <a href=\"https:\/\/forklog.com\/en\/news\/hackers-seize-100-abandoned-defi-protocols\">found<\/a> that scammers also reuse old domains of inactive <span data-descr=\"decentralised applications\" class=\"old_tooltip\">dapps<\/span> still listed on platforms such as DeFi Llama and DappRadar.<\/p>\n<p>Among the <a class=\"tracking_link\" href=\"https:\/\/defillama.com\/\" target=\"_blank\" rel=\"noopener\">leading<\/a> by total value locked (TVL):<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Aave <\/strong>\u2014 a lending protocol operating across 17 blockchains. In July 2025, <a class=\"tracking_link\" href=\"https:\/\/thedefiant.io\/news\/defi\/usdt-rates-spike-on-aave-after-htx-linked-addresses-withdraw-liquidity\" target=\"_blank\" rel=\"noopener\">USDT yields<\/a> ranged from 3% to 10%, depending on the pool. When large players withdraw liquidity, rates can spike. The protocol has stood the test of time; <\/li>\n<li><strong>Morpho <\/strong>\u2014 adds a P2P layer atop Aave and Compound, directly matching lenders and borrowers. This enables about 4%\u201310% through more efficient capital allocation. In June 2025, <a class=\"tracking_link\" href=\"https:\/\/morpho.org\/blog\/morpho-v2-liberating-the-potential-of-onchain-loans\/\" target=\"_blank\" rel=\"noopener\">Morpho V2 launched<\/a> with fixed-rate support; <\/li>\n<li><strong>Sky Protocol<\/strong> (formerly MakerDAO) \u2014 one of DeFi\u2019s oldest protocols, launched in 2017. Following its <a href=\"https:\/\/forklog.com\/en\/news\/makerdao-rebrands-as-sky-introduces-new-tokens\">rebranding<\/a>, it offers 4.5% via the <a href=\"https:\/\/sky.money\/features#savings\" target=\"_blank\" rel=\"noopener\" title=\"MakerDAO\">Sky Savings Rate (SSR)<\/a>; <\/li>\n<li><strong>Ethena <\/strong>\u2014 offers around 10% on the synthetic stablecoin <a href=\"https:\/\/forklog.com\/en\/news\/delta%e2%80%91neutral-synthetic-dollars-why-the-usde-stablecoin-matters\">USDe<\/a>. During periods of high market activity, yields can reach 15%\u201325%.<\/li>\n<\/ul>\n<h2 class=\"wp-block-heading\">Specialised earn services<\/h2>\n<p>For users dissatisfied with CEX rates but unwilling to spend time mastering DeFi, specialised earn services offer a middle path.<\/p>\n<p>For example, <a class=\"tracking_link\" href=\"https:\/\/emcd.io\/ru\/coinhold\/\" target=\"_blank\" rel=\"noopener\">Coinhold<\/a> from the EMCD mining pool offers up to 14% on USDT with monthly compounding. The platform has operated since 2017 and serves over 400,000 users.<\/p>\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u201cOur commission revenue provides high yields for Coinhold, and specialists implement a conservative asset-management strategy \u2014 we avoid high-risk DeFi, external venues and do not invest in dubious coins,\u201d the <a class=\"tracking_link\" href=\"https:\/\/emcd.io\/ru\/coinhold\/\" target=\"_blank\" rel=\"noopener\">page<\/a> of Coinhold says.<\/p>\n<\/blockquote>\n<p>Interest on Coinhold accrues daily. Compounding occurs every 30 days.<\/p>\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"556\" src=\"https:\/\/forklog.com\/wp-content\/uploads\/image1-646-1024x556.png\" alt=\"image1\" class=\"wp-image-263025\" srcset=\"https:\/\/forklog.com\/wp-content\/uploads\/image1-646-1024x556.png 1024w, https:\/\/forklog.com\/wp-content\/uploads\/image1-646-300x163.png 300w, https:\/\/forklog.com\/wp-content\/uploads\/image1-646-768x417.png 768w, https:\/\/forklog.com\/wp-content\/uploads\/image1-646.png 1430w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">With a deposit of 50,000 USDT at 14% per annum for 360 days, the final amount would be 57,336.51 USDT with income of 7,336.51 USDT. Source: <a class=\"tracking_link\" href=\"https:\/\/emcd.io\/ru\/coinhold\/\" target=\"_blank\" rel=\"noopener\">EMCD<\/a>.<\/figcaption><\/figure>\n<h2 class=\"wp-block-heading\">How to choose the right platform<\/h2>\n<p>When choosing where to place stablecoins, consider two key factors:<\/p>\n<ol class=\"wp-block-list\">\n<li><strong>Risk\u2013return trade-off.<\/strong> A conservative approach offers 2%\u20134% on flexible deposits. Moderate risk (5%\u201314%) is available via EMCD Coinhold with a fixed rate or time-limited promotions such as the Telegram Wallet integration with Ethena, offering up to <span data-descr=\"as of 30.07.25\" class=\"old_tooltip\">20% APY<\/span>. Higher yields involve newer DeFi projects, requiring technical expertise and a higher tolerance for risk.<\/li>\n<li><strong>Liquidity needs.<\/strong> Assess how quickly you may need funds. For instant withdrawals and trading, flexible CEX products are preferable. EMCD Coinhold offers both flexible USDT deposits at 5% and fixed terms from 30 to 360 days (8%\u201314% APY).<\/li>\n<\/ol>\n<h2 class=\"wp-block-heading\">Conclusions<\/h2>\n<p>The right platform for earning on USDT depends on objectives, technical skills and risk appetite.<\/p>\n<p>Exchanges suit active traders who value liquidity. Yields are relatively modest; for such users, trading rather than savings income is the primary goal.<\/p>\n<p><a class=\"tracking_link\" href=\"https:\/\/emcd.io\/ru\/coinhold\/\" target=\"_blank\" rel=\"noopener\">Coinhold<\/a> from EMCD is a sensible choice for those seeking a balance between yield and accessibility. Returns of up to 14% exceed the rates on top exchanges.<\/p>\n<p>DeFi protocols can offer higher yields but require technical know-how and a willingness to accept \u201c<a href=\"https:\/\/forklog.com\/en\/news\/defis-manipulation-problem-what-the-financial-lego-conceals\">&#8220;Wild West&#8221;<\/a>\u201d conditions \u2014 with scant regulation and the risk of manipulation.<\/p>\n<p>Splitting funds across several platforms according to liquidity needs remains the safest approach.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>In 2025, bitcoin rose above $120,000. Some investors started buying altcoins, while more conservative ones looked to lock in profits in stablecoins. Simply holding fiat and stablecoins means forgoing additional returns. Contemporary services offer 2%\u201314% annual yields while waiting for the next bear market. We reviewed three categories of platforms for passive income: centralised exchanges [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":25719,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"select":"","news_style_id":"","cryptorium_level":"","_short_excerpt_text":"","creation_source":"","_metatest_mainpost_news_update":false,"footnotes":""},"categories":[1144],"tags":[1166,1093,1245],"class_list":["post-25720","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-longreads","tag-centralized-exchanges-cex","tag-defi","tag-tether-usdt"],"aioseo_notices":[],"amp_enabled":true,"views":"164","promo_type":"","layout_type":"","short_excerpt":"","is_update":"","_links":{"self":[{"href":"https:\/\/forklog.com\/en\/wp-json\/wp\/v2\/posts\/25720","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/forklog.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/forklog.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/forklog.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/forklog.com\/en\/wp-json\/wp\/v2\/comments?post=25720"}],"version-history":[{"count":0,"href":"https:\/\/forklog.com\/en\/wp-json\/wp\/v2\/posts\/25720\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/forklog.com\/en\/wp-json\/wp\/v2\/media\/25719"}],"wp:attachment":[{"href":"https:\/\/forklog.com\/en\/wp-json\/wp\/v2\/media?parent=25720"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/forklog.com\/en\/wp-json\/wp\/v2\/categories?post=25720"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/forklog.com\/en\/wp-json\/wp\/v2\/tags?post=25720"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}