Looking for the best USDT interest rates? Coinbase offers an APY of 4-5% (USDC) for holding Tether. In this 2025 review, we analyze if Coinbase is safe, how the yield is generated, and the risks involved.
Quick Stats: Coinbase Earn
- APY: 4-5% (USDC)
- Lock-up Period: Flexible
- Risk Level: Low
- Verdict: Publicly traded US company. Safest CEX.
Is Coinbase Safe for USDT Staking?
Yield comes with risk. Coinbase is a CEX platform.
- If it’s a CEX/CeFi: You trust them not to go bankrupt (like Celsius).
- If it’s DeFi: You trust the code not to be hacked.
Our Take: Low risk. Generally considered safe for diversification.
Potential Earnings Calculator (1 Year)
| Deposit | Est. Interest (4-5% (USDC)) | Total Balance |
|---|---|---|
| $1,000 | ~$50-$100 | ~$1,050-$1,100 |
| $10,000 | ~$500-$1,000 | ~$10,500-$11,000 |
How to Start Earning
- Create an account / Connect wallet to Coinbase.
- Deposit USDT (TRC20/ERC20).
- Navigate to the “Earn” or “Lending” section.
- Subscribe to the Flexible product.
