YieldUSDT Interest Rates in Singapore (2026): Where You Can Earn
Singapore's rule is simpler than anywhere else: a platform licensed by MAS may not let a retail customer lend or stake their crypto. So OKX and Gemini, which serve Singapore through local companies, open their earn and staking products to accredited investors only — they are not in the table. Many offshore exchanges — Bybit, Bitget, Gate, KuCoin, MEXC, HTX — exclude Singapore in their own terms. The rest of the table is foreign venues whose own terms do not exclude Singapore, and the highest rates here are theirs.
Exchanges available in Singapore
Checked against each platform's official restrictions. Rates are flexible, refreshed daily.
| Platform | USDT | USDC | Risk | |
|---|---|---|---|---|
 Lune.fi | 18 % | 18 % | F | Review → |
 CoinDepo | 17 % | 17 % | F | Review → |
 YouHodler | 12 % | 12 % | F | Review → |
 Bitfinex | 8.89 % | — | D | Review → |
 EarnPark | 5.0 % | 5.0 % | F | Review → |
 Ledn | 5.0 % | 5.0 % | D | Review → |
 Kraken Earn | 4.0 % | 4.0 % | B | Review → |
 Toobit | 3.1 % | 2.5 % | C | Review → |
 LBank | 2.9 % | 2.9 % | D | Review → |
 Binance Earn | 2.43 % | 1.99 % | B | Review → |
 WhiteBIT | 1.94 % | 2.06 % | B | Review → |
 Backpack Exchange | 1.22 % | 1.01 % | C | Review → |
 Nebeus | — | 4.0 % | D | Review → |
Other coins: best rates open to residents of Singapore
Per coin: the highest base rate and the best one at an A–B graded venue, among venues whose own terms accept residents of Singapore. Locked terms are marked.
| Coin | Pick | Platform | Base rate | Risk |
|---|---|---|---|---|
| BTC | Highest rate | Lune.fi | 14 % | F |
| Best at an A–B venue | WhiteBIT | 1.38 % | B | |
| ETH | Highest rate | Lune.fi | 14 % | F |
| Best at an A–B venue |  Coinbase cbETH | 2.22 % | B | |
| XRP | Highest rate | CoinDepo | 12 % | F |
| Best at an A–B venue | WhiteBIT | 10.4 % · 30-day lock | B | |
| SOL | Highest rate | CoinDepo | 12 % | F |
| Best at an A–B venue | WhiteBIT | 10.4 % · 30-day lock | B |
Digital payment token services in Singapore are regulated by the Monetary Authority of Singapore (MAS) under the Payment Services Act. Since October 4, 2024 its Guidelines PS-G03 have said that a provider "should not entice a retail customer" to lend or stake their assets, nor carry out such transactions on their behalf. For accredited investors it is allowed, after written risk disclosure and the customer's acknowledgment. That explains what you see on the platforms: Gemini states that staking in Singapore requires accredited investor status, and OKX Singapore's earn page warns that every product on it is for accredited investors only.
Kraken is not licensed or regulated in Singapore and says DeFi Earn is not available here; its Opt-In Rewards are not closed. That is the common case for venues in the table: they offer Singapore residents what MAS licensees may not, and you do not get the Singapore regulator's protection there. You can check whether a company holds a licence in MAS's Financial Institutions Directory.
This is not legal or tax advice. There is no deposit insurance on a crypto platform: SDIC insures Singapore-dollar deposits placed with its member banks and finance companies and expressly excludes foreign-currency deposits and investment products; crypto held on a platform is not a deposit.
Tax: under IRAS's guide (edition of January 30, 2026), buying a payment token is not a taxable event, and unrealised gains are not taxable; a gain on disposal is taxable if, by the badges of trade, the activity is trading rather than investment. The guide does not address staking or earn interest specifically — if you earn regularly, ask a tax adviser.
Sources: mas.gov.sg · support.gemini.com · okx.com · support.kraken.com · sdic.org.sg · iras.gov.sg · bitget.com · gate.com · kucoin.com · bybit.com
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Not investment advice. Crypto assets are not government-insured; rates float; check the legal and tax status in your jurisdiction.