Woofun AI data shows that mainstream centralized exchanges employ tiered interest models for flexible stablecoin savings, where yields decrease as deposit amounts increase. For USDT, HTX offers a 10% annualized yield on the 0–200 tier, whereas Bitget provides 6.24% on the 0–300 tier, Binance offers 4.55% on the 0–200 tier, and OKX provides 1.62%. Exceeding these thresholds reduces HTX, Binance, and Bitget yields to 1.95%, 1.55%, and 1.58% respectively.

For USDC products, HTX yields 8% on the 0–200 tier, Bitget offers 6.66% on the 0–300 tier, Binance provides 6.69% on the 0–200 tier, and OKX offers 1.78%. Post-threshold yields for HTX, Binance, and Bitget drop to 2.75%, 1.69%, and 1.36%. Additional products include USDE yields of 5%/3% on HTX, 3.75% on Binance, and 3.70% on Bitget, alongside HTX's exclusive 4% USDD yield and varying U product rates.