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Stable Passive Income

Earn Passive Income with Stablecoins

Grow your USDT and USDC holdings with 3-10% APY - without the volatility of traditional crypto

8 min readUpdated January 2026

What Are Stablecoins?

Stablecoins are cryptocurrencies designed to maintain a stable value by pegging to real-world assets, typically the US Dollar. Unlike Bitcoin or Ethereum, stablecoins like USDT and USDC don't fluctuate wildly in price, making them ideal for earning consistent yield without market volatility risk.

USDTTether
Fiat-Backed
Market Cap: $120B+
Issuer: Tether Limited
Binance APY: 4-6%
OKX APY: 3-5%
USDCUSD Coin
Fiat-Backed
Market Cap: $45B+
Issuer: Circle
Binance APY: 4-5%
OKX APY: 3-4%
FDUSDFirst Digital USD
Fiat-Backed
Market Cap: $3B+
Issuer: First Digital
Binance APY: 5-8%
OKX APY: 4-6%
DAIDai
Crypto-Backed
Market Cap: $5B+
Issuer: MakerDAO
Binance APY: 3-4%
OKX APY: 2-3%

Stablecoin Earnings Calculator

Calculate your potential passive income from stablecoin savings

$10,000
1% (Conservative)15% (High Risk)

Daily

$1.37

Monthly

$41.10

Yearly

$500.00

After 5 Years

$2500

Ways to Earn with Stablecoins

Compare different strategies for earning yield on your stablecoin holdings

Simple Earn (Flexible)

3-6% APYLow Risk

Deposit stablecoins and earn daily interest with no lock-up period. Withdraw anytime.

Available on:BinanceOKX

Locked Savings

5-10% APYLow Risk

Lock your stablecoins for 30-120 days to earn higher interest rates.

Available on:BinanceOKX

Dual Investment

30-100%+ APYMedium-High Risk

Enhanced yields with price exposure. Deposit USDT to potentially buy crypto at lower prices.

Available on:BinanceOKX

Liquidity Pools

5-15% APYLow-Medium Risk

Provide liquidity to stablecoin pairs (USDT/USDC) with minimal impermanent loss.

Available on:UniswapCurve

DeFi Lending

3-8% APYMedium Risk

Lend stablecoins on decentralized protocols like Aave or Compound.

Available on:AaveCompound

How to Start Earning on Binance

1

Create Account with Discount

Sign up on Binance using code TRADEOFF20 to get 20% off trading fees forever.

2

Deposit or Buy Stablecoins

Transfer USDT/USDC to your Binance wallet or buy directly with credit card or bank transfer.

3

Navigate to Earn Section

Go to Earn > Simple Earn in the Binance menu to see available products.

4

Choose Flexible or Locked

Flexible for easy access, Locked for higher APY. Subscribe with your desired amount.

5

Start Earning Instantly

Your stablecoins begin earning interest immediately. Rewards are distributed daily.

Risks to Consider

Why Stablecoins Are Safer

  • No price volatility like BTC or ETH
  • Predictable, consistent returns
  • Easy to calculate actual earnings
  • Fiat-backed coins have real reserves

Risks to Watch

  • Exchange insolvency (choose reputable platforms)
  • Stablecoin depegging events (rare but possible)
  • Smart contract risks for DeFi products
  • Regulatory changes affecting stablecoins

Frequently Asked Questions

Start Earning Stable Passive Income Today

Put your stablecoins to work and earn 3-10% APY. Sign up with our referral code for 20% off trading fees.

Referral Code: TRADEOFF20

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