World Liberty Financial USD
USD1: rates for your exact amount
Every open USD1 product in your country, sorted by what you earn. Interest is paid in USD1 itself.
Reference without venue risk: the US Treasury 13-week bill yields 4.16% a year (9 Oct 2026). A row marked "below the reference" pays less than that while carrying the venue's risk. source ↗ · the reference over time →
| Venue | You earn | Highest rate | Tier | Product | Term | Conditions |
|---|---|---|---|---|---|---|
| Gate | 7.64% | Highest rate7.64% | B2/5· Medium risk | On-chain Earn · Dolomite | Staking | |
| Binance | 3.81%below the reference | Highest rate3.81% | B2/5· Medium risk | Simple Earn Flexible | FlexibleWithdraw any time | |
| Lista | 1.15%below the reference | Highest rate1.15% | B2/5· Medium risk | Lista · BSC | FlexibleWithdraw any time | |
| Bybit | 0.50%below the reference | Highest rate0.50% | B2/5· Medium risk | Flexible Savings | FlexibleWithdraw any time | Limited quota |
| Gate | 0.10%below the reference | Highest rate0.10% | B2/5· Medium risk | Simple Earn Flexible | FlexibleWithdraw any time |
Tier: A lowest risk, D active incident. The number after the letter is the criteria met.
Best rate each day (10,000 USD deposit) · Flexible
Show the numbers
| Day | Binance | Lista | Bybit | Gate |
|---|---|---|---|---|
| 11 Oct 2026 | 3.81% | 1.15% | 0.50% | 0.10% |
| 10 Oct 2026 | 3.85% | 1.15% | 0.51% | 5.80% |
| 9 Oct 2026 | 3.73% | 1.16% | 0.51% | 0.10% |
| 8 Oct 2026 | 3.81% | 1.26% | 0.50% | 0.10% |
| 7 Oct 2026 | 3.66% | 1.23% | 0.50% | 0.10% |
| 6 Oct 2026 | 3.29% | 1.24% | 0.50% | 0.10% |
| 5 Oct 2026 | 3.47% | 1.21% | 0.50% | 0.10% |
| 4 Oct 2026 | 3.34% | 1.18% | 0.50% | 0.10% |
| 3 Oct 2026 | 3.27% | 1.18% | 0.50% | 0.10% |
| 2 Oct 2026 | 3.24% | 1.18% | 0.50% | 0.10% |
| 1 Oct 2026 | 3.11% | 1.10% | 0.50% | 0.10% |
| 30 Sept 2026 | 3.07% | 1.06% | 0.96% | 0.20% |
| 29 Sept 2026 | 2.89% | 1.09% | 0.93% | 0.10% |
| 28 Sept 2026 | 2.51% | 1.18% | 0.50% | 0.10% |
| 27 Sept 2026 | 2.07% | 1.12% | 0.50% | 0.10% |
| 26 Sept 2026 | – | 1.12% | – | – |
| 25 Sept 2026 | 2.61% | 1.13% | 0.50% | 0.14% |
| 24 Sept 2026 | 2.60% | 1.15% | 0.50% | 0.49% |
Risk of USD1 itself B2/5· Medium risk
The coin is rated on its own; a product’s overall tier is the worse of the coin and the venue.
- Falls short: Reserves published monthly, but no independent attesting firm is named
- Meets: Reserves are cash, bank deposits and short-term Treasury bills
- Falls short: Issuer has no licence from a major regulator (EU MiCA, New York, Singapore…)
- Falls short: Operating since 2025-03, under 3 years
- Meets: Never below 0.97 USD for more than a day
- Note: The issuer can freeze wallet addresses (usually at the request of authorities).
- Note: The current issuer is BitGo Trust Company, which holds a South Dakota state trust company licence. This state licence does not count as a licence from a major regulator.
- Note: Linked to President Trump's family: a related entity owns about 38% of World Liberty; Democratic lawmakers raised conflict-of-interest concerns when the OCC gave preliminary approval.
- Note: Highly concentrated: Forbes (02/2026) estimates Binance (exchange and user wallets) holds about 87% of USD1 supply.
- Note: Legal dispute with Justin Sun (suits and countersuits in California and Florida) awaiting trial.