HTX Launches Stablecoin Earning Zone: Up to 20% APY Returns

If your savings account is barely keeping up with inflation, you're not alone. Traditional banks offer around 2-4% annual returns, and those 10-year Treasury bonds? They're sitting at roughly 4.29%. Not exactly thrilling when you consider the opportunity cost.

Here's where stablecoins enter the picture. These digital currencies are pegged 1:1 to the US dollar, functioning essentially as blockchain-based dollar deposits. Think USDC, USDT, USD1, and USDD. You can use them for transactions just like regular money, but here's the kicker: they unlock access to earning products with significantly higher yields than anything your local bank is offering.

HTX just rolled out a dedicated stablecoin earning zone that's worth paying attention to. We're talking returns up to 20% APY across major stablecoins. For newcomers, there's even a limited-time 100% APY offer on small subscription amounts to help you dip your toes in without heavy commitment.

What's Actually on Offer

USDC – The Stability Pick

Issued by Circle and fully backed by cash reserves in actual banks, USDC has earned its reputation as the "gold standard" among dollar-pegged stablecoins. If safety is your priority, the USDC Flexible Earn product delivers up to 15% APY. That's roughly 3-4 times what traditional banks offer, with the stability factor intact.

USD1 – The New Player with Political Backing

Launched in April 2025 by World Liberty Financial (backed by the Trump family), USD1 is designed for seamless conversion between fiat and digital. It features strong liquidity and low transaction fees. HTX is currently subsidizing interest rates for USD1, pushing yields as high as 20% APY during this promotional period.

USDD – The TRON Ecosystem Option

Backed by reserves of BTC, ETH, and TRX, USDD offers up to 12% APY with added flexibility. The standout feature? You can exchange USDD 1:1 for USDT directly on the platform, giving you both yield generation and on-demand liquidity when you need it.

USDT – The Market Leader

The most widely used stablecoin globally, accepted across virtually every exchange and DeFi protocol. HTX's USDT Earn product offers up to 20% APY for regular users. First-timers get that eye-catching 100% APY rate to start.

Looking to explore high-yield earning opportunities without the volatility of traditional crypto? 👉 Check out HTX's stablecoin earning products and start earning passive income today

Breaking Down the Numbers

Let's do some basic math. Say you have $10,000 to invest:

Traditional route: Park it in a 10-year US Treasury bond at 4.29% APY. You'll earn $429 annually, but your money is locked up for a decade. Early withdrawal? Expect penalties.

Stablecoin route: Put it in HTX's USDC Flexible product at 15% APY. You'll earn $1,500 annually with zero lock-up period. Need your funds? Withdraw them anytime.

The difference isn't just noticeable—it's substantial. And unlike traditional bank deposits where early withdrawal means forfeiting interest, flexible stablecoin products let you access your capital without penalties.

Who This Actually Works For

If you're new to digital assets: Start small with the newcomer benefit. It's a low-risk way to understand how stablecoin earning works without committing serious capital upfront. The high initial APY gives you a taste of the returns possible in this space.

If you're an experienced investor: Consider diversifying across multiple stablecoins. Balance your portfolio between higher-yield options like USD1 (20% APY) and more conservative choices like USDC (15% APY). This approach lets you optimize for both returns and stability based on your risk tolerance.

The platform supports free conversion between multiple currencies, so you're not locked into a single asset. As market conditions shift, you can rebalance without friction.

Why Stablecoins Are Gaining Traction

Stablecoins are increasingly used beyond just earning products. They're becoming the go-to for cross-border payments, on-chain rewards, DeFi investments, and settlement. As adoption grows, platforms offering secure and compliant earning products are capturing real demand.

When you can manage digital assets as easily as traditional bank deposits but capture returns 4-5 times higher, the value proposition becomes pretty clear. HTX's stablecoin earning zone brings together leading assets like USDC, USD1, USDT, and USDD under one roof, with the flexibility to switch between them as your strategy evolves.

The Bottom Line

A 4% yield doesn't cut it anymore. Inflation eats into those returns faster than you can accumulate them. Stablecoins offer a practical alternative: dollar-pegged stability combined with significantly higher yields and better liquidity than traditional fixed-income products.

HTX's stablecoin earning products provide a straightforward entry point into this space. Whether you're exploring digital assets for the first time or looking to optimize an existing portfolio, the combination of high APY rates, flexible withdrawals, and multiple stablecoin options makes it worth considering.

For those ready to move beyond conventional savings accounts, this might be the digital wealth management approach you've been looking for.