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BTC vs USDT

USDT pays more right now (up to 5.79% vs 2.84%), while BTC brings deeper liquidity. Yields below are live across every platform we track.

Updated 27 Sep 2026, 18:00 UTC

BTC

$4.3B TVL crypto · risk A

best of 43 platforms · incl. 2.82% rewards

USDT

$2.4B TVL stablecoin · risk A

best of 51 platforms · incl. 1.57% rewards

Side by side

Best live APY

Total value locked

Deeper liquidity is a safety and durability signal

Live platforms

How many places pay yield on it right now

51best

Live opportunities

Which should you earn on?

Earn on BTC

Deeper liquidity ($4.3B TVL vs $2.4B): a safer, more durable market.

Earn on USDT

Higher live yield, up to 5.79%.
More places to earn (51 platforms vs 43).
Dollar-pegged: earn without exposure to price swings.

Or skip the guesswork: pick your asset and risk tier and BitcoinYield ranks the highest live yield that actually fits, across both of these and everything else.

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The honest, always-current comparison of where to earn the best yield on Bitcoin and stablecoins. Ranked by rate and risk, never by who pays us.

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best

Best risk grade

A = lower risk, D = higher risk

Price volatility

Market-priced

Dollar-peggedbest

Asset class

BTC

Stablecoin

Yields are live across every platform we track. Risk grade is a transparent A-D score, not a guarantee; for the best place to earn on YOUR asset and risk tolerance, start from your asset.