Yield
CHIP on Bybit Earn
Bybit Earn pays 2.68 % APY on USD.AI (CHIP) as a Flexible rate. On YieldScope Bybit Earn carries a safety grade of C, scored across five risk criteria. Below: where CHIP earns more — and where it earns safer.
Bitvavo Staking A Yield source: Exchange Earn
Where else CHIP earns
Bybit Earn pays 2.68 % on CHIP. Here's how other venues compare — by rate and by safety.
| Venue | APY | Terms | Grade |
|---|---|---|---|
| Bybit Earn (this page) | 2.68 % | Flexible | C |
 Binance Earn | 11.3 % | Flexible | C |
 KuCoin | 0.06 % | Flexible | D |
| Bitvavo Staking | 0.04 % | Flexible | A |
Bybit Earn is graded C. If safety matters more than a few extra basis points, Bitvavo Staking earns CHIP at a higher grade (A).
Why Bybit Earn is graded C
Five binary safety criteria — each one passed or not. The more passed, the safer.
- ✓ Regulation
Full UAE Virtual Asset Platform Operator License from the SCA (Oct 2025); also holds a provisional Dubai VARA license. Source →
- ✗ Proof-of-Reserves
Publishes annual Big Four audits, but no independent Merkle-tree PoR on the site. Latest audit: October 2025. Source →
- ✓ Flexible withdrawal
All Earn products are Flexible (withdraw any time). Locked products are tagged separately with higher rates. Source 1 → Source 2 →
- ✓ Insurance Fund
Insurance fund of $400M+, updated monthly, public report. Source →
- ✗ Track record (2+ years incident-free)
Operating since 2018. In February 2025 suffered the largest exchange hack in history — Lazarus Group (North Korea) stole ~$1.5B in ETH from its cold wallet. Bybit covered the shortfall within ~72 hours (bridge loans, >100% reserves re-verified) and users were kept whole. Source 1 → Source 2 →
CHIP rate history on Bybit Earn
Daily snapshots from YieldScope's rate sync. Hover to inspect any day.
How CHIP yields moved across exchanges
from 2026-06-09 to 2026-07-17
Source: daily snapshots via exchange APIs
Your money, this pair
How much will you earn?
Method: monthly compounding (1 + APR/12)ⁿ, where APR is the exchange's stated rate. The realized 12-month return is slightly higher due to reinvestment. Rates may change. Not financial advice.
Affiliate link · price for you doesn't change · we earn a commission from Bybit Earn
How CHIP earns on Bybit Earn
When you deposit CHIP into Bybit Earn's earn product you receive 2.68 % APY as a Flexible rate. The platform puts the asset to work and shares the yield — your balance grows without you doing anything.
This is a base rate, not a promotional teaser: it's what an ordinary deposit actually earns. Bybit Earn carries a YieldScope safety grade of C, so weigh the yield against platform risk — a higher rate on a weaker grade is not automatically a better deal.
Rates on CHIP move with lending demand and market conditions. We re-check them daily and keep a history, so you can see whether today's number is unusually high, unusually low, or steady.