Compare Tether (USDT) Interest Rates in 2026

Are you done with low or even negative interest rates from your local bank and do you want to earn interest with your USDT? That’s possible in 2026! With our overview you will not only discover interesting Tether interest rate providers, but you can also calculate your potential profits in USDT and dollar.

Tether (USDT) is a stablecoin which value is (almost always) the same as the US dollar. You can use it to quickly switch from crypto to dollars on an exchange, but you can also earn attractive USDT interest with it.

With our interest rate calculator you can see where you can lend your USDT, compare interest rates and you can calculate the estimated profits based on the rates.

Amount (in USDT)

Period 1 dag 1 week 1 month 3 months 6 months 1 year 3 year

  Calculate Interest

Provider	Flex. Interest (APY)	Interest in USDT*	In EUR en USD*
	10.00%	10.00 USDT	€ 8.19 ($10.01)	Visit Up to 16% interest
	5.10%	5.10 USDT	€ 4.18 ($5.10)	Review Visit €10 Free and €10k Free Trading
	3.00%	3.00 USDT	€ 2.46 ($3.00)	Review Visit 50 USD staking bonus

Important note for European users: under the MiCA regulation, USDT has been delisted from most EU-regulated exchanges because Tether has not obtained the required stablecoin license in Europe. If you are based in the EU, consider using USDC or EURC instead, which are MiCA-compliant. USDT remains widely available on international exchanges like Bybit, Binance and OKX (outside the EU).

Compare Tether interest rates to generate passive income in dollar and euro. Depending on the chosen earn provider, you can receive your interest in USDT or sometimes also in their own currency. The percentage is the interest per year.

*The estimated interest in USDT is calculated based on the average Tether price. Although this is supposed to be 1 dollar, it is slightly different. No rights can be derived from the estimated profits.

How do I calculate Tether interest?

Calculating your USDT interest is easy with our interest calculator. A handy overview is created of all Tether providers with their interest rates and any bonuses.

• At Amount you can enter how much Tether you plan to lend out.
• At Period you can specify the duration.
• After that you can calculate the interest based on the current interest rates and USDT price.

In the summary, an estimate is made for each offer based on the current USDT price and the interest rate. Keep in mind that this percentage is not fixed and can change. Some companies re-evaluate their USDT interest rates on a monthly basis.

How is it possible that you can receive USDT interest?

As you can see, the Tether rates are a lot higher than those of other cryptocurrencies. This is because many borrowers are interested in stablecoins that represent a fiat currency such as the dollar. Due to the higher demand, a provider can ask for higher interest rates.

But how can these companies pay interest on your Tether? There are two main methods:

P2P lending: platforms have or use a P2P credit marketplace. USDT borrowers and lenders are brought together on these platforms. Borrowers pay interest to the platform and lenders receive interest. The market is willing to pay a higher interest rate for USDT, which is why the percentages can be significantly higher than traditional savings accounts. The platform charges a small fee for maintaining and offering the credit marketplace. This is why you receive a slightly lower interest than the borrower pays.

Earn products: exchanges like Bybit and Binance offer USDT savings products where your stablecoins are deployed in lending pools or liquidity strategies. Bybit currently offers up to 20% APR on USDC (USDT rates are similar), with both flexible and fixed-term options. These rates fluctuate based on market demand for stablecoin borrowing.

USDT and MiCA: what European users need to know

The European MiCA regulation requires stablecoin issuers to obtain a specific license (EMT authorization) to offer their tokens in the EU. As of 2025, Tether (the company behind USDT) has not obtained this license. As a result, major EU-regulated exchanges including Coinbase, Crypto.com, Bitvavo and Kraken have delisted USDT from their European platforms.

This does not mean USDT has disappeared entirely. It remains the most traded stablecoin globally and is widely available on international exchanges. However, if you are an EU resident using a MiCA-regulated exchange, you will likely not be able to buy or earn interest on USDT. The MiCA-compliant alternative is USDC (issued by Circle, which holds an EMT license in France) or EURC (Circle’s euro-denominated stablecoin).

For international users outside the EU, USDT remains fully available and continues to be the most liquid stablecoin for trading and earning interest.

What is the risk of lending my Tether?

Lending your USDT is not risk-free and it is therefore not wise to deposit your full portfolio with such companies. After all, it is a company and in theory it can also go bankrupt. The collapses of Celsius, BlockFi and Voyager in 2022 proved this is not just a theoretical risk: billions of dollars in user deposits were lost, including large amounts of USDT.

Take the following risks into account:

• The company can go bankrupt or be hacked. Even large exchanges have been targeted: Bybit lost $1.5 billion in February 2025 and Phemex lost $85 million in January 2025. Both covered affected users, but the incidents highlight the risk.
• Interest rates can fall in value.
• Tether’s reserves and transparency have been questioned for years. Although Tether publishes quarterly attestations showing its reserves exceed its liabilities, the company has never undergone a full independent audit. Any issues with Tether’s backing could cause USDT to lose its dollar peg.
• You cannot use your invested Tether for other things (though many platforms now offer flexible earn products where you can withdraw at any time).
• Regulatory risk: USDT is not MiCA-compliant in the EU and could face restrictions in other jurisdictions in the future. This may affect availability and liquidity on certain platforms.
• Smart contract risk: if the platform deploys your USDT in DeFi protocols, a bug or exploit in the code could result in loss of funds.

If you still want to lend a significant amount of USDT, you can consider spreading it across multiple platforms. Always do your own research into the current status of the platform you choose. Prioritize platforms that publish Proof of Reserves and have a strong security track record.

To be clear, the USDT invested is lent to a third party. The third party pays an interest for this and provides crypto as collateral, in case it cannot repay the loan. The collateral is often cryptocurrency and is also subject to price fluctuations.

If you are concerned about Tether’s regulatory status, consider diversifying into USDC, which is issued by Circle and holds regulatory licenses in the US, EU and other jurisdictions. USDC earn rates are often comparable to USDT rates.

Please note: earning interest on cryptocurrency involves risks including platform risk, smart contract risk, regulatory risk and stablecoin depeg risk. Past performance is no guarantee of future results. Never invest more than you can afford to lose.