Stablecoin-based passive income products are fast emerging as a compelling alternative. Stablecoins are cryptocurrencies pegged 1:1 to fiat currencies like the US dollar. Examples include USDC, USDT, USD1, and USDD. They essentially function as “dollar deposits on a blockchain” and can be used for transactions and payments. They also provide access to financial products in the crypto space with significantly higher interest rates than traditional banks.
HTX has launched dedicated passive income products for stablecoins on its Earn feature, offering users returns of up to 20% APY across major stablecoins including USDC, USDT, USD1, and USDD. The platform is also offering an exclusive benefit for first-time Earn users: a limited-time 100% APY on a small amount of subscriptions, which lowers the entry barrier for those new to digital wealth management.
Diverse Stablecoin Offerings:
● USDC: Widely regarded as the “gold standard” of dollar-backed stablecoins. USDC is issued by Circle and fully reserved with cash or cash equivalents deposited to banks. On HTX, the USDC Flexible Earn product offers up to 15% APY, catering to users prioritizing safety and stability.
● USD1: A leading stablecoin which debuted on HTX, was launched in April 2025 by World Liberty Financial (WLFI), a fintech firm backed by the Trump family. Pegged 1:1 to the U.S. dollar and designed for seamless fiat-to-digital conversion, USD1 features strong liquidity and low fees. HTX is offering a limited-time interest subsidy for the USD1 Flexible Earn product, boosting yields to as high as 20% APY.
● USDD: The stablecoin within the TRON ecosystem is backed by reserves of BTC, ETH, and TRX, bringing added flexibility. Beyond delivering up to 12% APY, USDD can be exchanged 1:1 for USDT directly on HTX, giving users both yield potential and on-demand liquidity.
● USDT: The most widely used stablecoin globally, USDT is accepted across virtually all exchanges and DeFi protocols. HTX’s USDT Earn product offers up to 20% APY for regular users and a 100% APY for newcomers.
Comparing Traditional Finance and Stablecoin Yields
Traditional Financial Products:
● USD Deposits: Annualized returns of 2% to 4.2%, with significant interest penalties for early withdrawals.
● US Treasury Bonds: 10-year Treasury bonds yield approximately 4.29%, but have long lock-up periods
Stablecoin Passive Income Products: (E.g. HTX Earn)
● High Yields: Up to 15-20% APY, significantly outperforming traditional low-risk options.
● High Liquidity: Supports flexible deposits and withdrawals without capital lock-up.
● Global Platform Backing: Backed by a global platform, supporting free conversion between multiple currencies.
To illustrate, a $10,000 investment in a 10-year US Treasury bond would yield $429 annually (4.29% APY). In contrast, the USDC Flexible product on HTX Earn, with a 15% APY, would yield $1,500 annually while offering flexible access to funds. The difference is substantial.
From First-Time Users to Portfolio Strategists
HTX Earn aims to serve both entry-level and professional users. Beginners can start with small amounts under the newcomer benefit, gaining exposure to digital assets in a low-risk, high-reward setting. Seasoned investors can diversify across multiple stablecoins to balance returns and liquidity within their broader portfolio strategies.
As stablecoins grow in adoption for settlement, cross-border payments, on-chain rewards, and DeFi investments, platforms offering secure and compliant earning products are well positioned to capture demand. With leading assets such as USDC, USD1, USDT, and USDD, HTX offers flexible passive income products through which users can manage digital assets as simply as bank deposits while capturing returns far beyond what traditional finance offers.
Given the inadequacy of 4% yields in the current market, HTX advocates for stablecoins as the foundation of a new paradigm in digital wealth management.
To learn more about HTX, please visit https://www.htx.com/?invite_code=9cqt3 or HTX Square , and follow HTX on X, Telegram, and Discord.
The post first appeared on HTX Square.
