BiFu Lists Flexible USDT Earn at 8.00% Annualized, No Lock-Up

BiFu's Wealth section is live with a flexible USDT earn product: one listing, one rate, no fixed term. The Flexible tab displays an annualized rate of 8.00% (Earn page, September 21, 2026), and subscription runs directly from the account. No lock-up, no waiting for a term to mature. For USDT sitting between trades, it is the simplest way to keep the balance earning.

What You Get

The product holds USDT with a flexible term, meaning no fixed maturity date. The listing shows a single rate on the main line, and the subscribe action sits right next to it.

It runs inside the unified account behind BiFu's multi-asset trading. USDT already in the account funds the subscription without transfers between wallets, and the same balance sits next to the rest of the Wealth shelf.

Higher Than Flexible Rates at Other Major Exchanges

Flexible USDT rates at the largest exchanges currently sit well below that figure. As displayed on September 21, 2026:

Sources: each platform's public Earn page or public API, September 21, 2026.

BiFu's displayed flexible rate is the highest of the four. It is more than double OKX's and Bybit's, and above the top of Binance's combined flexible-and-locked range. Two notes for fairness: Binance's upper figure includes locked tiers, and all four numbers are snapshots that move with market conditions, so check the live display when you act.

The spread has a reason. Flexible balances can leave at any time, so most venues price them as their cheapest funding. BiFu prices its flexible listing differently, and puts the number on the main line.

How to Start

1. Register on BiFu and complete identity verification (KYC).
2. Hold USDT in your account, via deposit or spot purchase.
3. Open the Wealth section, select the Flexible tab, check the current displayed rate, then subscribe.

The position stays in one account: the same USDT can move between spot, margin, and the flexible listing without transfers between them.

Before You Subscribe

The rate is variable and governed by the product terms in the app, where redemption rules and any minimums are also published — read them before subscribing. This is a wealth product denominated in USDT, not a bank deposit, and it carries no deposit insurance. USDT itself is exposed to issuer, reserve, depeg, and regulatory risk.

FAQ

How does BiFu's flexible rate compare with other exchanges?

On September 21, 2026, displayed flexible USDT rates were 3.33%–7.23% APR at Binance (a range spanning locked tiers), about 3.6% at OKX, and 1.97% at Bybit. BiFu displayed 8.00% annualized, the highest of the four. All figures are variable snapshots.

Does no lock-up mean I can withdraw at any time?

The product has no fixed term, but withdrawal mechanics, timing, and any minimums are governed by the product terms in the app. Check those terms when subscribing.

How do I subscribe to the flexible USDT product?

Register, complete KYC, hold USDT in your BiFu account, then open the Wealth section, select the Flexible tab, and subscribe from the product listing.