October 24, 2021

Stablecoin Savings Account

On this page, you will be able to find and compare the best stablecoin savings accounts that are paying the highest annualized interest rates. We also recommend you read our stablecoin guide to familiarise yourself with the different types of stablecoins and how this landscape could potentially evolve.

Disclaimer: All of the content written on CoinMarketExpert is unbiased and based on objective analysis. The information provided on this page should not be construed as an endorsement of cryptocurrency, a service provider or offering and should neither be considered a solicitation to buy or trade cryptocurrency. Cryptocurrencies carry substantial risk and are not suitable for everyone. No representation or warranty is given as to the accuracy or completeness of this information and consequently, any person acting on it does so entirely at their own risk. See further disclaimer at the bottom of the page.

Keeping your cryptocurrency savings in volatile assets such as Bitcoin may not be everyone’s cup of tea, so why not consider parking your underutilised crypto across a portfolio of stablecoin savings accounts?

A stablecoin savings account resembles a regular savings account in some ways except with a much higher yield. You must know by now that anything with a higher return will intrinsically carry a higher level of risk although with some diversification and good common sense it is possible to attain a very decent return holding high-yield stablecoins.

💡 Incorporate the high-interest income generated from stablecoin savings accounts into your crypto trading strategy. Click here to learn how a hedge fund manager may utilise high-yielding stablecoins savings rates to offset potential losses in risky crypto assets.

As you may already know, deposits made to bank accounts are protected by federal deposit insurance (usually insuring up to a certain amount) so if the bank that you hold your fiat money fails, all or (a proportion) of your funds will be returned to you. You will not have the same level of protection and insurance when parking funds in unregulated cryptocurrency platforms.

Cryptocurrency platforms have been prone to major hacks and scams while many do not have any insurance policies in place to protect your funds. So, of course, you must recognise all of these risks if you plan to tie up a proportion of your wealth in a cryptocurrency exchange or wallet for a prolonged period of time.

Counterparty risk is also important to understand. Platforms offering crypto savings products are able to pay savers a proportion of the interest they earn from lenders. If many borrowers default on their crypto loans then that could result in bankruptcy and crypto savers losing all of their assets. The level of distress would very much depend on the risk management procedures in place at different platforms; so always choose your platforms wisely and consider diversifying by holding a portion of your crypto assets across various platforms that you trust.

Stablecoin Savings Calendar

Here you get the latest stablecoin savings news and announcements from trusted providers – all in one place!

Dates Recent and Upcoming Crypto Savings Announcements
18th October 2021 🔥 USDT and USDC 7-day locked savings for first time users raised from 50% to 88%! Promo ends on 18th November 2021.
22nd September 2021 🔥 True USD (TUSD) 14-day locked featured savings product launches on Huobi with an APY of 100%! Eligiblity is on a first-come-first-serve basis.
16th September 2021 USDT fixed earnings deposit of up to 5.88% APY launches on Huobi Earn.
6th September 2021 USDC fixed deposit of up to 5.12% is rolled out on Huobi Earn.
11th August 2021 Ledger Vault, the global leader in security and infrastructure solutions for critical digital assets and blockchain applications, enters into an agreement with YouHodler to protect YouHodler's customers and their digital assets.
4th August 2021 Hodlnaut introduces tiered APR system today with opportunity to earn an annualized interest rate (APR) of up to 12% on USDT and USDC stablecoins and 8% on DAI.
3rd August 2021 Hodlnaut reduces withdrawal fees on USDT, USDC and DAI stablecoins among others.
2nd August 2021 Tether (USDT) and USD Coin (USDC) staking is now available on AscendEX with APRs of 8% respectively.

Stablecoin Savings Account Promotions

Anyone opening a Hodlnaut account will be entitled to receive a US$20 signup bonus after making an initial deposit equivalent to US$1000 in a single transaction on any of their supported assets.

Hodlnaut is a trusted cryptocurrency lending platform that is backed by Antler, an early-stage global venture capital firm. On 4th August 2021, the company announced that it has revised its interest rate structure. With effect from 9th August 2021, crypto investors will be able to earn an attractive APR of up to 12% on USDT and USDC stablecoins and 8% on DAI. Furthermore, Hodlnaut offers a highly competitive APR of 7.20% on bitcoin savings.

Read our Hodlnaut review to learn more about the platform as well as the most recent reduction in withdrawal fees and the new tiered interest rate system!

In August 2021 Huobi Earn rolled out a ‘First Timer’ category, providing new users the opportunity to earn annualized rates of 50%. To celebrate their 8th anniversary, Huobi raised the annualized rates of return to 88% on numerous coins including USDT and USDC stablecoins.

These promotional rates of 88% are only available to new subscribers until 18th November. Furthermore, all new users are eligible for a welcome bonus of up to $170!

 Who can participate:

  • Users who make their first deposits with Huobi Earn after Sep. 19 at 12:00 (UTC) until the end of the promotion period. 
  • All participants can deposit products offered in the “First-Timer” category to earn up to 88% APY on a first-come-first-served basis!

Best Stablecoin Savings Platform: Our Top Pick For Stablecoins

Youhodler is one of our favorites because they have a wide choice of high-yielding crypto savings accounts, providing the advantage of diversification whilst also paying an attractive APR of up to 12%-12.3% on stablecoins. As a matter of fact, it is possible to devise highly attractive crypto trading strategies using Youhodler’s Multi HODL function in conjunction with its high-yielding savings accounts.

We also like the fact that Youhodler has crime insurance held in a segregated Ledger vault to protect its cryptocurrency holdings up to $150 million. To bolster security even further, in August 2021 Ledger Vault, the global leader in security and infrastructure solutions for critical digital assets and blockchain applications, entered into an agreement with YouHodler to protect YouHodler’s customers and their digital assets.

Stablecoin Interest Accounts: Find the best stablecoin interest rates

We have compared the savings rates and staking yields offered by trusted platforms in the table below to To help you find the highest annualized returns on popular stablecoins.

Updated: October 2021

Stablecoin Savings Accounts

Account Type:

# of Stablecoins:

Start Earning:

Max Saving (APR) Yield:
Fiat Tracking




Whitepaper




Max APR




22.00%
Youhodler🚀

Savings

8

Start Saving

12.30%
Hodlnaut🚀

Earn

3

Start Saving

12.00%
Huobi🚀

First Timer

2

Start Saving

88.00%
Bitrue🚀

BTR Lockups

1

Start Staking

22.00%
Bitrue🚀

Power Piggy

2

Start Staking

12.00%
Binance

Defi Staking

4

Start Staking

8.79%
Binance

Flexible Savings

5

Start Saving

4.53%
Binance

Locked Savings

3

Start Saving

4.24%
AscendEX

Staking

2

Start Staking

8.00%
Huobi

Flexible Earnings

4

Start Saving

4.41%
Huobi

Fixed Earnings

2

Start Saving

5.88%
Kraken

Staking

2

Start Staking

2.00%
Ledn

Savings

1

Start Saving

9.00%
Gemini

Earn

2

Start Saving

8.05%
Nexo

Savings

8

Start Saving

12.00%
BlockFI

Savings

6

Start Saving

8.00%
Celsius Network*

Savings

12

Start Saving

11.21%
Tether (USDT)
US Dollar
88.00%
12.30%
3.00%-12.00%
88.00%
22.00%
8.60%
4.79%
1.20%
4.24%
8.00%
4.41%
5.48%-5.88%
-
-
-
10.00%-12.00%
5.00%-8.00%
8.88%-11.21%
USD Coin (USDC)
US Dollar
88.00%
12.00%
2.80%-12.00%
88.00%
-
-
2.79%
0.64%
4.24%
8.00%
2.30%
4.80%-5.12%
-
9.00%
-
10.00%-12.00%
5.00%-8.00%
8.88%-11.21%
DAI (DAI)
US Dollar
12.00%
12.00%
2.00%-8.00%
-
-
-
8.79%
4.53%
-
-
-
-
-
-
7.55%
10.00%-12.00%
5.00%-8.00%
-
Paxos Dollar (PAX)
US Dollar
12.00%
12.00%
-
-
-
-
-
-
-
-
-
-
-
-
-
10.00%-12.00%
5.00%-8.00%
8.88%-11.21%
True USD (TUSD)
US Dollar
-
12.00%
12.00%
-
-
-
-
-
-
-
-
1.00%
-
-
-
-
10.00%-12.00%
-
8.88%-11.21%
HUSD (HUSD)
US Dollar
12.00%
12.00%
-
-
-
-
-
-
-
-
3.07%
-
-
-
-
-
-
-
TerraUSD (UST)
US Dollar
12.00%
-
-
-
-
12.00%
-
-
-
-
-
-
-
-
-
-
-
-
USDx (USDX)
US Dollar
-
12.00%
-
-
-
-
-
-
-
-
-
-
-
-
-
-
10.00%-12.00%
-
-
Binance Dollar (BUSD)
US Dollar
-
11.21%
10.00%
-
-
-
-
2.89%
0.80%
4.50%
-
-
-
-
-
-
-
5.00%-8.00%
8.88%-11.21%
Gemini Dollar (GUSD)
US Dollar
11.21%
-
-
-
-
-
-
-
-
-
-
-
-
-
8.05%
-
5.00%-8.00%
8.88%-11.21%
Multi-Collateral DAI (MCDAI)
US Dollar
5.78%
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
4.60%-5.78%
US Dollar
US Dollar
-
2.00%
-
-
-
-
-
-
-
-
-
-
-
2.00%
-
-
-
-
-
Eurs
Euro
-
12.00%
12.00%
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
Eurx (EURX)
Euro
-
12.00%
-
-
-
-
-
-
-
-
-
-
-
-
-
-
10.00%-12.00%
-
-
Euro
Euro
-
1.50%
-
-
-
-
-
-
0.10%
-
-
-
-
1.50%
-
-
-
-
-
GBPx (GBPX)
British Pound
-
12.00%
-
-
-
-
-
-
-
-
-
-
-
-
-
-
10.00%-12.00%
-
-
True Great Britain Pound(TGBP)
British Pound
-
11.21%
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
8.88%-11.21%
True Australian Dollar (TAUD)
Australian Dollar
-
11.21%
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
8.88%-11.21%
True Hong Kong Dollar (THKD)
Hong Kong Dollar
-
11.21%
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
8.88%-11.21%
True Canadian Dollar (TCAD)
Canadian Dollar
-
11.21%
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
8.88%-11.21%

* Celsius Network awards users with a higher APR for opting to receive earnings in the native CEL token.

Table Disclaimer
The data in our tables are updated daily and are for indicative purposes only. The source data from the savings and staking providers may change without notice. Do not make any savings or staking decisions without having checked the source data directly with the relevant platforms first.

🔎 Interested in seeing the savings rates for the wider market? Visit our crypto savings account page to compare rates on the entire savings market or if you’re looking for a more focused analysis on Bitcoin then visit our bitcoin interest rate page.

🔎 Are you searching for higher-yielding accounts? Visit our crypto staking and yield farming pages!