Top crypto exchanges like Bitunix have devised beginner-friendly products that allow users to accrue yield by employing the best USDT earning strategies. You can now earn USDT rewards by simply committing your idle assets to flexible or fixed-term lock-up options. This approach offers steady returns while requiring minimal trading knowledge.
Other platforms, such as BingX, MEXC, Nexo, and Crypto.com, offer various earning programs that enable users to generate a consistent stream of residual income. These financial products increase participation in the crypto ecosystem, while securing networks and driving innovation.
Explore the top earning programs from platforms like Bitunix, BingX, and MEXC, and others, to significantly increase your USDT holdings in 2026.
Earn USDT on Bitunix
Bitunix is one of the fastest-growing crypto exchanges in the world, with $5 million in daily trading volume. Its Earn program allows you to place crypto assets, such as BTC, ETH, and USDT, into yield-generating solutions. This way, you can steadily accrue additional returns without leaving everything idle in your spot or futures wallets.
Bitunix Earn comprises two products: Easy Earn and Dual Investment. Easy Earn unites two of the platform’s most popular services, Flexible Savings and Fixed-Term Savings. Meanwhile, Dual Investment caters to seasoned traders who can use their market knowledge to customize their strategy and enjoy a bespoke experience.
With Flexible Savings, you can stake USDT and gain interest with hourly accruals. Alternatively, you can earn a higher APR when using Bitunix Fixed Savings. This feature allows you to lock your assets for 7 to 30 days, with an estimated APR of 3.85% to 11.60%.
Dual Investment allows you to build your USDT earning strategy around a crypto pair of your choice. You can tweak its terms by setting a target price, an estimated APR, a settlement date, and a yield objective (Buy Low or Sell High). The estimated APR in USDT for dual investments ranges between 5% and 287%, depending on the pair used.
Bitunix provides clear APR ranges on its Earn features.
It’s worth noting that Bitunix prioritizes transparency and security with all its products. The platform provides a clear risk disclosure and insurance through its Protection Fund. Moreover, Bitunix allows users to register quickly, without immediate KYC, and start earning USDT safely and privately.
The BingX Wealth Program
BingX Wealth allows users to generate USDT earnings via flexible and fixed-term deposits, Wealth as a Margin, or Dual Investment.
BingX users can lock assets to gain USDT rewards with a flexible APR averaging around 11%. The platform allows you to redeem your holdings at any time starting from the second day after their initial subscription. Meanwhile, locking your assets for various periods of 7 to 180 days can yield a higher APR in USDT, ranging from 3.5% to 100%.
Similar to Bitunix, BingX also offers a Dual Investment feature that allows users to earn between 5% and 300% APR on USDT products. Lastly, BingX’s Wealth as Margin feature enables traders to use assets locked under flexible or fixed terms as collateral for perpetual futures trading. This feature can deliver an APR of 3.5%-13% in USDT.
The MEXC Earn Program
MEXC is another top crypto exchange offering USDT earning programs. Its Hold and Earn product allows users to earn hourly interest on their idle assets and redeem the gains at any time. This feature, similar to Bitunix’s Flexible Savings, delivers a USDT APR of 4% to 8%.
Alternatively, MEXC users can commit a wide range of assets for 7 to 90 days and earn APR for USDT fixed savings, ranging from 8 to 15% APR. Users can choose to redeem some plans before the fixed period ends by paying a penalty on the pending interest.
Lastly, MEXC provides a Futures Earn product that allows users to lock eligible funds in their Futures accounts. This feature does not affect regular Futures trading operations and can generate an hourly interest rate of 3% to 20% on minimum deposits of 0.1 USDT.
Other USDT Earning Programs
An increasing number of centralized crypto exchanges offer USDT earning programs. Users prefer platforms like Bitunix for their user-friendly interfaces, high liquidity, speed, and regulatory compliance. Similar financial products for growing USDT yield include Nexo and Crypto.com.
Nexo allows users to stake USDT in their Savings Wallet and earn daily, compounding interest. However, this Flexible Earn program is only available to NEXO token holders. They benefit from APR boosts depending on the percentage of NEXO they hold and their loyalty tier. NEXO claims that it can deliver an APR on USDT of up to 16% for fixed-term deposits with specific conditions.
Crypto.com has a two-tier earning program. The first tier, Crypto Earn, allows users to gain interest on funds locked for flexible terms or for fixed terms of 1 or 3 months. However, USDT rewards are only available for the second-tier users, Earn Plus. This feature allows higher deposit thresholds and full rewards up to the maximum allocation limit. Crypto.com users must hold and lock native CRO tokens to participate in the Earn Plus program.
What Is the Best Strategy for Earning USDT in 2026?
The landscape for generating passive crypto income has clearly evolved, signaling a move away from the traditional buy-and-hold approach. Today, you can earn USDT by making your idle assets do all the work for you.
Platforms like BingX, MEXC, Nexo, and Crypto.com allow users to put their best USDT earning strategies to work with various financial products. Bitunix stands out from the crowd as a beginner-friendly platform with greater privacy and faster access to yield-generating opportunities. Its users benefit from competitive APRs, instant payouts, and unmatched transparency while they accrue yield on their dormant assets.