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:
Table Of Contents
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.

I’m the founder and writer here at NigelChua.com; as well as serial entrepreneur, therapy business entrepreneur, digital entrepreneur, investor and also happy husband, father and Christian.
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