Yield
USDT on Crypto.com
Crypto.com pays 0.5 % APY on Tether (USDT) as a Flexible rate. On YieldScope Crypto.com carries a safety grade of B, scored across five risk criteria. Below: where USDT earns more — and where it earns safer.
Bitget Earn A Yield source: Exchange Earn
Where else USDT earns
Crypto.com pays 0.5 % on USDT. Here's how other venues compare — by rate and by safety.
| Venue | APY | Terms | Grade |
|---|---|---|---|
| Crypto.com (this page) | 0.5 % | Flexible | B |
 CoinDepo | 17 % | Flexible | F |
 WhiteBIT | 11.8 % | 🔒 30d lock | B |
 Bitfinex | 9.49 % | Earn | D |
 Ledn | 6.5 % | Flexible | F |
 Kraken Earn | 5.5 % | Flexible | B |
Crypto.com is graded B. If safety matters more than a few extra basis points, Bitget Earn earns USDT at a higher grade (A).
Why Crypto.com is graded B
Five binary safety criteria — each one passed or not. The more passed, the safer.
- ✓ Regulation
Broadly licensed — Singapore MAS (Major Payment Institution), EU MiCA via Malta MFSA (2025), UK FCA (EMI + cryptoasset registration), US FinCEN MSB with state money-transmitter licences, plus Canada FINTRAC and Australia AUSTRAC. Source 1 → Source 2 →
- ✗ Proof-of-Reserves
A Merkle-tree reserves portal exists, but the last independent attestation (Mazars, 101–106% coverage) was December 2022; Mazars then exited crypto and no current independent auditor has been named. Source 1 → Source 2 →
- ✓ Flexible withdrawal
Flexible-term Crypto Earn can be withdrawn at any time with no lock-up; rewards accrue daily and pay out weekly. Lock-up only applies to fixed-term products. Source →
- ✓ Insurance Fund
Around $870M of insurance — $750M custodial cover for retail assets, $100M for institutional cold-storage theft (underwritten via Lloyd's of London / Aon) and $20M more. User error (phishing, wrong address) is not covered. Source →
- ✓ Track record (2+ years incident-free)
Operating since 2016. A January-2022 hack drained ~$34M from 483 accounts via a 2FA bypass — all affected users were fully reimbursed from company funds, and no comparable incident has occurred since. Source →
USDT rate history on Crypto.com
Daily snapshots from YieldScope's rate sync. Hover to inspect any day.
How USDT yields moved across exchanges
from 2026-05-25 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.
This is not an affiliate link. Price for you doesn't change.
How USDT earns on Crypto.com
When you deposit USDT into Crypto.com's earn product you receive 0.5 % 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. Crypto.com carries a YieldScope safety grade of B, so weigh the yield against platform risk — a higher rate on a weaker grade is not automatically a better deal.
Rates on USDT 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.