HTX Launches Stablecoin Earning Zone With APYs Up to 20%

HTX, one of the world’s largest cryptocurrency exchanges, has launched a new initiative called the Stablecoin Earning Zone within its Earn platform, offering annual percentage yields (APY) as high as 20% on major stablecoins such as USDC, USDT, USD1, and USDD [1]. This development comes amid a global shift in consumer sentiment toward traditional banking products, which are increasingly seen as inadequate in the face of inflation and low interest rates. For example, U.S. bank accounts typically offer yields of up to 4.2% annually, while U.S. Treasury bonds yield around 4.29% but come with long lock-up periods [2]. In contrast, HTX’s offerings provide significantly higher returns with greater liquidity, allowing users to deposit and withdraw funds at any time without restrictions.

The Stablecoin Earning Zone targets both new and experienced users, offering an exclusive 100% APY for first-time Earn participants on small subscriptions, thus lowering the barrier to entry for those exploring digital asset management for the first time [3]. This initiative includes a range of stablecoin products, each tailored to different user priorities. For instance, USDC, known for its robust backing and transparency, offers up to 15% APY through the Flexible Earn product [4]. Meanwhile, USD1—a stablecoin launched in April 2025 by World Liberty Financial (WLFI)—is currently offering a limited-time subsidy that boosts its APY to 20% [5]. USDT, the most widely used stablecoin, also supports 20% APY for regular users, with a 100% APY for newcomers. USDD, part of the TRON ecosystem and backed by BTC, ETH, and TRX, provides up to 12% APY and can be directly exchanged for USDT on HTX, enhancing its utility in yield strategies [6].

The move underscores the growing role of stablecoins not just as a medium of exchange but as a tool for passive income generation. With HTX’s platform enabling seamless conversions and offering competitive yields, stablecoins are increasingly being viewed as a hybrid between traditional finance and crypto. For example, a $10,000 investment in a 10-year U.S. Treasury bond would yield approximately $429 annually, while the same amount invested in HTX’s USDC Flexible Earn product would generate $1,500 per year with the same flexibility to access funds [7]. These figures highlight the potential of crypto-based earning tools to outperform traditional low-risk investment vehicles.

HTX’s decision to expand its Earn platform also aligns with broader trends in the crypto market, where passive income options are becoming a core feature. As stablecoins are increasingly adopted for settlement, cross-border payments, and DeFi strategies, platforms like HTX are well-positioned to offer secure, user-friendly earning products that appeal to a global audience. This aligns with HTX’s broader strategy of global expansion and ecosystem development, which includes partnerships such as its recent collaboration with TRM Labs’ Beacon Network to enhance security and compliance [8]. While the press release does not go into detail on the risk management framework supporting the high yields, it is important for users to understand that performance can vary and that due diligence is essential before committing capital.

This initiative is part of HTX’s broader mission to provide accessible and secure financial tools within the digital asset ecosystem. As the exchange continues to evolve beyond trading into wealth management and financial services, the Stablecoin Earning Zone represents a strategic step toward capturing a growing market of users looking for alternatives to traditional banking. The platform’s focus on diversification—offering multiple stablecoin options—further enhances its appeal to both conservative savers and more aggressive investors seeking yield without sacrificing liquidity.

The move is also reflective of HTX’s long-term vision as a global gateway to Web3, with a strategy centered on expanding its ecosystem through innovation and compliance. Founded in 2013, the exchange has grown into a comprehensive platform offering trading, research, investment, and incubation services. By positioning itself as a leader in digital asset management, HTX is aiming to bridge the gap between traditional and decentralized finance, offering users the best of both worlds [9].

Source:

[1] HTX Square, [https://square.htx.com/htx-rolls-out-stablecoin-earning-zone-with-yields-up-to-20/](https://square.htx.com/htx-rolls-out-stablecoin-earning-zone-with-yields-up-to-20/)

[8] HTX Square, [https://square.htx.com/htx-joins-trm-labs-beacon-network-to-strengthen-global-fight-against-crypto-crime](https://square.htx.com/htx-joins-trm-labs-beacon-network-to-strengthen-global-fight-against-crypto-crime)