USDT Interest Rate 2026: Current APR and Earnings Calculator

Key Takeaway

As of October 28, 2026, WEEX Auto Earn pays 10% APR on the first 200 USDT. Balances from 200 to 500,000 USDT earn 3% APR, with no lock-up. 1,000 USDT earns about 44 USDT a year, or 3.67 USDT a month.

What Is the Current USDT Interest Rate on WEEX?

The current USDT interest rate on WEEX Auto Earn is tiered. As of October 28, 2026, the first 200 USDT earns 10% APR. Everything from 200 to 500,000 USDT earns 3% APR. Balances above 500,000 USDT earn no interest. Interest is paid daily in USDT.

• 0–200 USDT: 10% APR 8
• 200–500,000 USDT: 3% APR
• Above 500,000 USDT: no interest

Minimum: 0.01 USDT. Identity verification is required. Rates are estimates and can change.

How Much Interest Does USDT Earn? Earnings by Balance

On WEEX Auto Earn, your interest depends on your balance, because only the first 200 USDT earns 10%. The blended rate falls toward 3% as your balance grows. Estimated earnings as of October 28, 2026:

• 100 USDT: about 0.83 a month, 10.00 a year (10.00% blended)
• 500 USDT: about 2.42 a month, 29.00 a year (5.80%)
• 1,000 USDT: about 3.67 a month, 44.00 a year (4.40%)
• 5,000 USDT: about 13.67 a month, 164.00 a year (3.28%)
• 10,000 USDT: about 26.17 a month, 314.00 a year (3.14%)
• 50,000 USDT: about 126.17 a month, 1,514.00 a year (3.03%)
• 100,000 USDT: about 251.17 a month, 3,014.00 a year (3.01%)

To calculate your own number, take 10% of the first 200 USDT, add 3% of the rest, and divide by 365 for a daily figure.

What Is the APY on USDT?

WEEX Auto Earn quotes APR, which does not include compounding. APY assumes interest is added back and earns too. With daily compounding, a 10% APR equals about 10.52% APY, and a 3% APR equals about 3.05% APY.

On a typical balance, the difference between APR and APY is small. For example, 1,000 USDT earns about 44 USDT a year as simple interest. Compounding adds less than 1 USDT to that.

How Do USDT Interest Rates Compare Across Platforms?

USDT rates vary widely across platforms, and headline numbers often come with conditions. Many high figures apply only to new users, small amounts, or a few days. Compare the rate you would actually get on your full balance.

Dated reference points from public sources:

• Binance Simple Earn: flexible USDT paid 7.15% APR on its first tier and 3.15% APR above it, as of October 28, 2026.
• Aave (DeFi): USDT protocol supply APR of about 2.50% on one Aave market on October 28, 2026, before extra incentives.
• Promotional offers: some exchanges list very high rates for new users, often for a few days and a capped amount.

WEEX Auto Earn's tiers apply to every eligible user, with no lock-up and no task required.

How Does WEEX Auto Earn Calculate USDT Interest?

WEEX Auto Earn takes a snapshot of your USDT balance every three hours, eight times a day. The lowest of the eight sets that day's interest. Interest arrives in your Funding Account at 12:00 PM (UTC+0) the next day.

USDT that counts:

• Spot and funding accounts: available and frozen USDT
• Futures account: available USDT only

Margin in open positions, trial funds, and coupons do not count. Interest does not protect USDT from losing its peg, and the product is not available in every region.

How to Start Earning Interest on USDT

Earning interest on USDT with WEEX Auto Earn takes one switch in the app. Your USDT stays in your accounts and remains available for trading or withdrawal at any time.

1. Complete identity verification.
2. Open the WEEX app and tap Assets.
3. Tap Auto Earn and switch it on.
4. Check your first payout the next day at 12:00 PM (UTC+0).

FAQ

1. What is the USDT interest rate on WEEX in 2026?

   As of October 28, 2026, WEEX Auto Earn pays 10% APR on the first 200 USDT and 3% APR from 200 to 500,000 USDT.

2. How much interest does 1,000 USDT earn?

   As of October 28, 2026, 1,000 USDT in WEEX Auto Earn earns about 44 USDT a year, or about 3.67 USDT a month.

3. Can I withdraw USDT while earning interest?

   Yes. WEEX Auto Earn has no lock-up. Withdrawn USDT simply stops earning interest.

4. Is the USDT interest rate fixed?

   No. WEEX Auto Earn rates are estimates and can change. Check the Auto Earn page for the current rate.