The recent $1.5 billion hack at Bybit sent shockwaves across the crypto industry, triggering a wave of trust concerns among users. In response, major centralized exchanges have ramped up their efforts to restore confidence—by launching high-yield savings products for popular cryptocurrencies like ETH and BTC.
At the same time, the broader crypto market is trending downward. According to CoinGlass, over $1.15 billion in futures positions were liquidated on February 25 alone. With such extreme volatility, aggressive trading strategies come with heightened risk. A smarter move? Shifting toward stable, yield-generating alternatives that allow you to earn passive income while preserving capital.
👉 Discover how to secure high-yield returns even in a bear market
For holders of mainstream assets or those sitting on USDT waiting for the next bull run, these new crypto savings offerings present a golden opportunity: earn consistent interest to offset price depreciation, all while staying ready to deploy funds when the market turns.
Recently, Binance, HTX (formerly Huobi), Bitget, and Gate.io have all introduced updated or new earn programs with boosted APYs. But which platform delivers the best value in terms of interest rates, flexibility, and accessibility? Let’s break it down.
Comparing High-Yield Crypto Savings Products
The latest crop of fixed-term crypto savings products from top exchanges focuses heavily on ETH and stablecoins, with varying degrees of generosity. Here's how they stack up:
HTX: Leading with High Rates and Broad Accessibility
HTX stands out by offering 10% annual yield on 7-day fixed-term products for BTC, ETH, and USDT—the highest among major platforms. Each user gets an allocation of up to 30,000 USDT equivalent per product, making it highly practical for both retail and mid-tier investors.
For example, if you fully subscribe to one of these 7-day products with 30,000 USDT, your estimated return would be $57.50—not bad for under a week.
Even more impressive? HTX is the only exchange among the four offering a 10% BTC savings product, giving it an edge in product diversity. This move signals a strong commitment to attracting long-term BTC holders looking for yield without selling their assets.
Bitget: Aggressive Rates with Limitations
Bitget matches HTX’s 10% APY on its 14-day ETH fixed-term product, but caps subscriptions at just 5 ETH—significantly less than HTX’s ~11 ETH limit. More strikingly, Bitget offers a 50% annualized rate on its 7-day ETH savings product—but only for new users, and with a tiny cap of 0.4 ETH.
That means even at such a sky-high rate, the maximum potential return is just $10.50, limiting its real-world impact. While the headline number grabs attention, the tight restrictions reduce its practicality for most users.
Gate.io: Short-Term Flexibility, Lower Yields
Gate.io has increased its ETH savings rates with 5% APY for 3-day terms and 6% for 7-day terms. The good news? There’s no subscription cap, allowing large holders to participate freely. However, the lower interest rates make it less competitive compared to HTX and Bitget’s top-tier offerings.
Binance: Solid for USDT, Underwhelming for ETH
Binance has launched a limited-time promotion on its flexible savings products for USDT, ETH, and SOL. The ETH flexible rate peaks at just 2.1% APY, which pales in comparison to rivals offering 10% or more.
Where Binance shines is in its USDT tiered rewards: users now benefit from an expanded structure where a portion earns up to 4.15% APY—a notable bump from pre-promotion levels. Still, this doesn’t surpass HTX or Bitget in overall appeal.
Stablecoin Flexible Savings: Who Offers the Best Rates?
Beyond fixed-term products, flexible savings accounts are crucial for users who want liquidity without sacrificing yield. Let’s compare the leading platforms on USDT and other stablecoins.
HTX: High Tier Limits and Competitive Rates
HTX offers 10% APY on up to 1,000 USDT, with rates dropping to 4% beyond that. This high threshold makes it ideal for average users who want maximum yield on common balances.
Even more interesting? HTX is currently subsidizing yields on USDD, a decentralized stablecoin, offering up to 20% APY—one of the highest rates in the market today. This positions HTX as a forward-thinking player in promoting alternative stable assets.
Bitget: Higher Initial Rate, Lower Threshold
Bitget provides a compelling 12.9% APY on up to 500 USDT, then drops to 4.9%. While the initial rate beats HTX, the lower threshold means larger balances earn less proportionally.
Gate.io: Bonus Rewards for Smaller Balances
Gate.io offers around 4% base APY, but adds a 10% bonus rate on holdings under 500 USDT during promotions. This makes it attractive for small-scale savers but less so for bigger deposits.
Binance: Reliable but Not Leading
Binance remains competitive with flexible savings for FDUSD (up to 8%) and USDC (up to 6%), but lags behind in USDT yields compared to others.
Frequently Asked Questions (FAQ)
Q: Are high-yield crypto savings products safe?
A: While these products offer attractive returns, they carry risks—especially following events like the Bybit hack. Always assess the exchange’s security track record, withdrawal history, and whether funds are backed by real assets.
👉 Learn how top platforms protect your crypto earnings
Q: What’s the difference between fixed-term and flexible savings?
A: Fixed-term products lock your funds for a set period (e.g., 7 days) in exchange for higher interest. Flexible savings let you withdraw anytime but typically offer lower yields.
Q: Why are exchanges suddenly offering such high rates?
A: After major security incidents, exchanges use high-yield products to rebuild trust and retain deposits. These promotions may be temporary—act before rates drop.
Q: Is there a risk of losing money in these savings accounts?
A: Yes. If the exchange faces insolvency or hacks, your funds may not be fully recoverable. Diversify across platforms and avoid keeping large sums long-term without audits or insurance proof.
Q: Which stablecoin savings product offers the highest return right now?
A: HTX’s 20% APY on USDD is currently the highest among major exchanges, though it’s important to research the stability and adoption of lesser-known stablecoins before investing.
Final Thoughts: Where Should You Park Your Crypto Now?
In a volatile market marked by exchange vulnerabilities and falling prices, capital preservation with yield generation is the smartest strategy. Among the top players:
- HTX leads with balanced high rates (10% on BTC/ETH/USDT), generous limits (30k USDT), and innovative offerings like 20% USDD yields.
- Bitget impresses with headline-grabbing 50% ETH rates—but only for new users with tiny caps.
- Gate.io offers flexibility with no caps but lags in yield.
- Binance, while reliable, fails to excite with underwhelming ETH rates despite solid USDT improvements.
For most investors seeking both security and yield, HTX currently delivers the most compelling package.
👉 Start earning high yields on your crypto holdings today—explore your options now
Remember: always do your own research, diversify risk, and never invest more than you can afford to lose. The market may be down—but smart strategies can still generate returns.