Crypto com USDC Stablecoin Earn Versus Binance USDC Flex Earn – Which is better?

So I wanted to compare between Crypto.com’s flexible USDC earn program versus Binance’s flexible USDC earn program (as crypto.com is an upcoming contender to binance), and I found some nice nuggets:

Binance earn flexible USDC program is documented at 1.2% but it’s actually a blended of:

  • First $75,000 USDC : 1.20%
  • Above $75,000 USDC : 0.30%

So if you put $100,000 USDC earn in Binance you will get

  • First $75,000 @ 1.20% pa = $900
  • Next $25,000 @ 0.3% = $75
  • Total = $975 end of 12 months ~ 0.00975%

Compare that to Crypto.com’s flexible USDC earn problem:

Firstly, crypto.com’s earn program is 1.5%, so $100,000 is $1,500 per annum, an easy win comparatively…but we’re not gonna be satisfied with that right?

I speak for myself at least (eheh) – what I want to know i:

how do we earn more on binance and crypto.com earn?

3) If you’re good with USDT, Binance flexible earn documents a 10% per annum…

but it’s a blended percentage of

  • First $2,000 USDT : 10.00%
  • $2,000-$75,000 USDT : 3.00%
  • More than $75,000 USDT : 1.00%

This means that it’s NOT a pure 10%, but a blended, mixed.

A clearer illustration, so $100,000 in binance USDT earn =

  • First $2,000 @ 10% = $200
  • $2,000 – $75,000 ($73,000) @ 3% = $2190
  • Last $25,000 @ 1% = $250
  • Total $2640 ~ 2.64% — much better than a blended 1% of USDC flexible earn in Binance.

Better than crypto.com’s $100K in USDC flex earn too (but USDT versus USDC…different).

How to earn more % USDC on crypto.com

  • Stake more cro (go up in tiers) – but of course this requires more cash (buying CRO coins and getting their higher tier card, the higher the tier the better the rates, but min Obsidian Jade / Indigo will give you best Earn rates)
  • Stake fixed 3-month term (more than USD 30K will be half the rates but the rates are higher anyway)* (This is key).

The best terms are based on 3-month earn program, which can net you up 6% for the first $30,000 and 3% above $30,000.

That’d mean if you put in $100,000 for 3 months with 400 or less CRO staked, your USDC earn rates are:

  • First $30,000 @ 6% = $1,800
  • Next $70,000 @ 6% x 0.5 = $2,100
  • Total $3,900 ~ 3.9%

Let me know what you’re doing with your crypto.com earn.

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