USD1 vs USDT

USDT pays more right now (up to 5.75% vs 1.12%), while USD1 brings different trade-offs on risk and liquidity. Yields below are live across every platform we track.

Updated 27 Sep 2026, 21:00 UTC

USD1

$247M TVL stablecoin · risk A

1.12%

best of 10 platforms

All platforms

USDT

$2.4B TVL stablecoin · risk A

5.75%

best of 51 platforms · incl. 1.57% rewards

All platforms

Side by side

Best live APY

1.12%

5.75%best

Total value locked

Deeper liquidity is a safety and durability signal

$247M

$2.4Bbest

Live platforms

How many places pay yield on it right now

51best

Live opportunities

Which should you earn on?

Earn on USD1

Comparable on the headline signals; let live yield and risk decide.

Earn on USDT

Higher live yield, up to 5.75%.
Deeper liquidity ($2.4B TVL vs $247M): a safer, more durable market.
More places to earn (51 platforms vs 10).

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.

More comparisons

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