Woofun AI data shows that as of July 9, major centralized exchanges exhibit varying stablecoin yield structures, predominantly utilizing tiered interest models where rates decline for larger balances. HTX offers the highest annualized yield of 10% for USDT holdings between 0 and 200 USDT, while Bitget provides 6.31% for the 0–300 USDT tier and Binance offers 4.47% for the 0–200 USDT tier. OKX’s rate stands at 1.57%. Exceeding these thresholds reduces HTX, Binance, and Bitget yields to 1.95%, 1.47%, and 1.65%, respectively. For USDC, Binance leads with 6.76% in the 0–200 tier, followed by Bitget at 6.66%, HTX at 3.00%, and OKX at 1.74%.

Additionally, HTX, Binance, and Bitget list USDE products with yields ranging from 3% to 5%, and HTX exclusively offers USDD at 4.00%.