JuCoin has unveiled its first USDT fixed-income product, joining the expanding list of exchanges offering tiered-yield and flexible staking options for Tether holders.
On May 26, the Singapore-based platform launched this new offering, which features six term lengths—7, 15, 30, 45, 60, and 90 days—allowing users to choose based on their investment goals.
The product utilizes a “laddered interest rate” system, where returns vary depending on the amount invested. Each term comes with a base limit at a standard rate, a higher-yield tier for a set amount, and then returns to the base rate for any excess. Returns are accrued daily and automatically credited to users when the product reaches maturity.
For example, a 4,000 USDT investment in the 45-day plan earns tiered APYs: 2.39% on the first 1,600 USDT, 11.22% on the next 2,200 USDT, and 2.39% on the remaining 200 USDT, yielding an approximate blended annualized return of 7.25%.
With this launch, JuCoin joins an increasing number of trading platforms offering similar USDT staking products. For example, Bybit provides tiered-yield USDT options with rates such as 2.70% for 14 days, 3.20% for 30 days, and 4.00% for 90 days, available for both fixed-term and flexible deposits. Leading exchanges like KuCoin, Binance, Kraken, and MEXC also feature USDT staking options across various fixed and flexible durations, offering a range of APYs.
Fixed-term staking requires users to lock their USDT for a predetermined period in exchange for a guaranteed APY, with withdrawals only allowed after the term ends. The platform typically pools these funds to lend to institutional borrowers or deploy in liquidity provision and yield farming, generating consistent interest shared with users upon maturity.
In contrast, flexible-term staking allows users to deposit and withdraw USDT anytime. While the interest rates tend to be lower and can vary based on demand, this option offers greater liquidity and immediate access to funds.
