Yield
USDC on WhiteBIT
WhiteBIT pays 2.06 % APY on USD Coin (USDC) as a Flexible rate. On YieldScope WhiteBIT carries a safety grade of B, scored across five risk criteria. Below: where USDC earns more — and where it earns safer.
Bitget Earn A Yield source: Exchange Earn
Where else USDC earns
WhiteBIT pays 2.06 % on USDC. Here's how other venues compare — by rate and by safety.
| Venue | APY | Terms | Grade |
|---|---|---|---|
| WhiteBIT (this page) | 2.06 % | Flexible | B |
 CoinDepo | 17 % | Flexible | F |
 Ledn | 6.5 % | Flexible | F |
 Nexo | 5.5 % | Flexible | C |
 Bybit Earn | 4.0 % | Earn | C |
 CoinEx Earn | 2.91 % | Flexible | D |
WhiteBIT is graded B. If safety matters more than a few extra basis points, Bitget Earn earns USDC at a higher grade (A).
Why WhiteBIT is graded B
Five binary safety criteria — each one passed or not. The more passed, the safer.
- ✓ Regulation
Holds a MiCA licence from Austria's FMA (2026), an Estonian VASP registration, and launched a US entity in late 2025. Source →
- ✓ Proof-of-Reserves
A Hacken proof-of-reserves shows strong overcollateralisation — total collateral around 238%, BTC 507%, USDT 108% and USDC 205%. Source →
- ✓ Flexible withdrawal
Flexible crypto-lending plans can be withdrawn at any time; fixed plans lock funds for a set term. Source →
- ✗ Insurance Fund
No dedicated customer insurance fund is publicly disclosed. Source →
- ✓ Track record (2+ years incident-free)
Founded 2018 with no major hack on record. Russia labelled it an undesirable organisation in 2026, which Western users may read as a positive signal. Source →
USDC rate history on WhiteBIT
Daily snapshots from YieldScope's rate sync. Hover to inspect any day.
How USDC 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 USDC earns on WhiteBIT
When you deposit USDC into WhiteBIT's earn product you receive 2.06 % 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. WhiteBIT 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 USDC 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.