Yield
USDT on Lune.fi
Lune.fi pays 29.5 % APY on Tether (USDT) as a 360d lock rate. On YieldScope Lune.fi carries a safety grade of F, 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
Lune.fi currently has the top USDT rate we track. Here's the rest of the field, ranked by safety.
| Venue | APY | Terms | Grade |
|---|---|---|---|
| Lune.fi (this page) | 29.5 % | 🔒 360d lock | F |
 CoinDepo | 17 % | Flexible | F |
 YouHodler | 12 % | Flexible | F |
 WhiteBIT | 11.8 % | 🔒 30d lock | B |
 Bitfinex | 8.72 % | Earn | D |
 Ledn | 6.5 % | Flexible | F |
Lune.fi is graded F. If safety matters more than a few extra basis points, Bitget Earn earns USDT at a higher grade (A).
Why Lune.fi is graded F
Five binary safety criteria — each one passed or not. The more passed, the safer.
- ✗ Regulation
No license or registration anywhere — neither in the platform's own materials nor in independent reviews. The legal entity is undisclosed, the team anonymous, and there is no KYC. Reviews cite the Grenadines as headquarters — with no supporting document whatsoever. Source 1 → Source 2 →
- ✗ Proof-of-Reserves
Proof-of-reserves is mentioned nowhere. The claimed "continuous security audits" come with no auditor name and not a single published report. The TVL and trading volumes that supposedly fund the yield are undisclosed. Source →
- ✗ Flexible withdrawal
Top rates require a 360-day pool; early exit returns only the principal and forfeits ALL accrued interest. That is not flexible withdrawal — it is a one-year lock with a penalty equal to the entire yield. Source →
- ✗ Insurance Fund
No deposit insurance — the platform itself admits there is no FDIC-style protection and no insurance fund. The Fireblocks/Safe Wallet mentions are marketing claims with no independent verification. Source →
- ✗ Track record (2+ years incident-free)
No verifiable history: no independent press, no public metrics, not a single Reddit thread. The economics of 29.5% on stables "from 0.4–5.9% swap fees" do not publicly add up — the same unexplained-yield pattern Anchor (−100%, 2022) and Celsius (bankrupt, 2022) showed before collapsing. Source 1 → Source 2 →
USDT rate history on Lune.fi
Lune.fi has not changed its USDT rate once in the 8 days we have been recording it — the number you see today is the number it has always paid.
Daily snapshots from YieldScope's rate sync. Hover to inspect any day.
How USDT yields moved across exchanges
from 2026-05-25 to 2026-07-29
Among the 20 venues we have USDT history for, Lune.fi currently sits at #1 by rate — with 8 days of our own daily snapshots behind that number.
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.
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How USDT earns on Lune.fi
When you deposit USDT into Lune.fi's earn product you receive 29.5 % APY as a 360d lock 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. Lune.fi carries a YieldScope safety grade of F, 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.