📈 Next-generation dollar deposits - how to receive 6-20% per annum instead of banking 1-3% (complete guide) 📈

Many people are used to keeping savings in dollars in bank deposits at a symbolic 1-3%. But today there are digital dollars (stablecoins), which are always equal to the rate of a regular dollar 1:1, but bring 5-10 times more profit.

This guide is created for those who want to preserve funds in dollar equivalent and are looking for higher profitability than in classic banks, without diving into complex charts and trading.
Bank deposits today rarely exceed 1–3% per annum in US dollars. On cryptocurrency exchanges, the situation is completely different: offers are available here with rates of 6%–10%–20% and even more APR. This opens up opportunities for investors who want to receive stable income in stablecoins pegged to the dollar.

(APR - annual percentage rate)

Low entry threshold: You can start investing even with $1–10. Exchanges do not require large deposits, which allows you to safely test the tools, understand the interface, and verify the profitability from your own experience without unnecessary risks.

🧠 1. What are stablecoins and how do they work?

❓ What are stablecoins and what types are there?

Many people are afraid to invest in cryptocurrency because they consider it a "soap bubble" that will soon burst, but this opinion is already more than 10 years old, and cryptocurrency is still growing in number and price.

On the other hand, such a fear is understandable, because the price of Bitcoin or other coins can change sharply. But it is important to distinguish between volatile cryptocurrencies and stablecoins.

Volatile cryptocurrencies — these are those coins whose price constantly changes and can fluctuate very sharply even within one day. Main features: rate instability, dependence on demand and news, high risk, and high possibility of profit.
Stablecoins — these are cryptocurrencies whose rate is pegged to a real asset, most often to USD. Their price is almost always equal to $1, with minimal deviations (in thousandths of a dollar). When you buy a stablecoin, you are actually buying a "digital dollar," which provides convenience for deposits.
⚠️ Important! There are also two varieties of stablecoins:

Centralized - behind them stand real reserves in dollars or liquid assets (USDT, USDC, TUSD, FDUSD, USD1, USDP).
Decentralized - they do not have real reserves. They are more risky because their stability is maintained only by algorithms and user trust (for example, XUSD).

🛡️ The most reliable and popular are considered:

USDT (Tether) — the "king" of the market, has the highest liquidity (in short, you can (24/7) instantly: sell or buy Bitcoin or other cryptocurrency for USDT and, of course, withdraw USDT into real money).

USDC (USD Coin) — considered the most stable, transparent, and regulated (the developer is the American company Circle).

FDUSD — a popular stablecoin on Binance, often offers increased interest rates.

⚙️ How is the rate of centralized stablecoins maintained?

If the USDT rate on the exchange falls to $0.99, big players buy it cheaply and take it to the issuer company to exchange it for $1 in cash. This creates demand for the coin and quickly returns its price to $1 (this phenomenon is called arbitrage).

Therefore, centralized stablecoins are considered safer and more attractive for investments on crypto exchanges.

💰 2. What is Simple Earn (passive income)?

Simple Earn — is a section on crypto exchanges (Binance, OKX, Bybit, Gate, KuCoin, MEXC) that works on the principle of a bank deposit. You place your funds into an account, and the exchange accrues interest to you for using these funds to provide liquidity or loans to other users.

On some exchanges, this section is named slightly differently: KuCoin Earn, MEXC Earn, Easy Earn (this option is for the Bybit exchange)

This investment option allows you to receive passive income from cryptocurrencies (especially from stablecoins) without active trading and with minimal risks of exchange rate changes.

📊 Types of deposits:

Flexible deposits — funds are invested without specific terms, but money can also be withdrawn at any moment. There are formal limits on withdrawing funds, but they are very large, acting more like insurance for the exchange. The rate is floating, meaning it can change depending on the number of investors, interest in other stablecoins, or the need for this cryptocurrency, but usually the percentage is higher, which is why it interests investors.

Fixed deposits — funds are blocked for a certain period (as in bank deposits). The rate is usually lower, but stable and does not change over the entire term of the deposit (analogue of bank deposits).

Promotional deposits - usually these are deposits with a very high % APR rate, with money blocking but for a short period.

(we have a separate article on this topic, with examples of 100% - 600% APR) View

💵 Increase income a bit more?

In addition, for flexible deposits, there is an "Auto-subscribe" function. It allows you to automatically transfer new funds from your spot wallet (for example, those you just bought or received as profit) to the deposit account. This allows the compound interest mechanism to work: your income starts bringing in new income, maximizing the final profit without your participation.

The main advantage of such investments is passive income. You don't need to trade or analyze charts — you simply keep funds in a flexible deposit account in cryptocurrency (in this case - in stablecoins) and receive profit. You can withdraw assets at any moment without breaking contracts or losing already accrued interest, which advantageously distinguishes this tool from most bank deposits.

🔑 3. Main types of wallets on exchanges and for what?

👛 What wallet options are there on crypto exchanges:

Spot wallet

Used for regular buying/selling of cryptocurrencies.

This is the basic wallet from which you can transfer funds to other sections.

Funding wallet (deposit) and withdrawal

Designed for replenishing the account and transfers between users.

Often used as a "transit" wallet for depositing/withdrawing funds.

Futures / Margin wallet

A separate balance for trading derivatives (futures, perpetual contracts).

Separation from Spot is necessary for risk management and liquidations (so as not to lose main funds).

Unified Account (on OKX, Gate, Bybit)

Combines Spot, Margin, and Futures into a single balance.

Allows for more efficient capital use and reduces the need for manual transfers.

🤔 Why multiple wallets for my account on a crypto exchange?

The separation of wallets may seem not very convenient at first glance, but it is a necessary thing if viewed from several perspectives.

When trading futures, in a certain mode (cross-margin), a user can lose all funds lying in the wallet, since roughly speaking your funds are the collateral for your position (deal / bet). If the price quickly increases or decreases, and if your bet was wrong, then the funds from the wallet will be liquidated, meaning they burn out (the exchange will take them as collateral).

When trading on Spot (buying or selling cryptocurrencies), risks or inconvenience would also be present if there were only one wallet. For example, you made a deposit, bought cryptocurrency, and sold it after a price increase. That is, you earned, but you wouldn't be able to set aside funds because there is only one wallet, and it's impossible to separate the profit from the main balance so as not to risk the entire amount.

Therefore, most exchanges use several wallets. There are no commissions for transfers between your own wallets, so you will not incur any loss, but it adds security when using funds.

🏢 4. Review of reliable exchanges for investments

📋 List of well-known exchanges:

To minimize risks, you should choose proven and influential exchanges:

Binance — the largest exchange in the world, has a SAFU insurance fund.

OKX — high liquidity, popular in Asia.

Bybit — strong position in derivatives, rapid growth.

Gate — licensed in several countries.

With caution: KuCoin and MEXC — popular, but less regulated, so the risk is higher (less regulatory control).

(if we are talking about promotional investments for 2-7 days, then it is not as risky as when you decide to put all investment funds for 1 year, on 1 account, on 1 exchange. It is always better to choose several more well-known exchanges, and several different stablecoins, for investment.)

Full Post - https://storeservice-crypto-assist.blogspot.com/2026/01/next-generation-dollar-deposits-how-to.html

⚖️ Which exchange to choose?

Different exchanges (Binance, Bybit, etc.) determine the percentages in their Earn programs themselves. They depend on the internal policy of the exchange, supply/demand for assets, partner programs, and marketing promotions. That is, the % is set by the exchange itself, and not by any single external authority.

In such a case, it is advisable to view all popular exchanges for monitoring more profitable % on deposits. For a start, you can register on them and get acquainted with the interface, check the availability of stablecoins, their investment % and limits in the investment window itself for a certain stablecoin.

Due to low commissions for transfers between exchanges (accounts), it is worth considering all influential exchanges for investment, and changing exchanges in case of finding promotional or simply more profitable investment plans.

💸 Example of minimum commissions on different exchanges (at the time of writing):

Binance (BEP20) = 0.01 USDT
MEXC (BEP20) = 0.01 USDT
OKX (Aptos) = 0.03 USDT
Bybit (BEP20) = 0.3 USDT
Gate (Plasma) = 0 USDT
KuCoin (Plasma) = 0.4 USDT
This is exactly what makes it possible to diversify funds so that all funds are not stored in one place. You can transfer parts of the funds to more profitable investment plans. Due to low commissions, higher investment rates compensate for these costs.

🚀 5. How to start investing (step-by-step instruction)

🎁 Checking for promotions:

Since each exchange has different promotions and promo offers for short-term investment plans for new users (usually for introducing beginners to the platform), it is better to check such promotions before registration, because after registration, certain time frames may be set to manage to place funds at a high %.

To start, simply go through the list of known exchanges and go to the Earn → Simple Earn section. Usually, at this stage, you can already see the high % (if they exist), for whom these investments are available (beginners, VIP users, or nothing written), and for what term (usually promo offers with fixed dates). The only problem is that without registration, it does not show the maximum and minimum limits for such investments, so after you have found the most attractive exchange with a favorable %, you can register and check the limit.

If there are no promo offers with very high percentages on other exchanges, you can register there immediately to check other promotions

(on some exchanges, they give bonus % APR after registration, verification, and making a deposit of a certain amount, which can increase the investment benefit and interest)

📌 How to start investing:

🆔 Step 1: Registration and Verification (KYC)

Choose one or several exchanges from the list: Binance, OKX, Bybit, Gate, KuCoin, MEXC. Go to their website or download the app to your phone, register, and go through document verification (passport).

This is a basic and standard identity check required by all large exchanges to work safely with deposits and exclude possible fraudulent schemes involving the creation of multiple accounts/wallets. Only a camera (on a PC or on a phone) and an identity-confirming document are needed.

Here full info - https://storeservice-crypto-assist.blogspot.com/2026/01/next-generation-dollar-deposits-how-to.html

💳 Step 2: Buying stablecoins

Buying via P2P - a person sells or buys cryptocurrency directly to another person. Funds are transferred between bank accounts and exchange accounts directly, without the exchange's participation. The exchange's system blocks the funds that should be transferred on the exchange until the person confirms the transfer of funds to the bank account.

That is, the seller (the owner of the cryptocurrency/stablecoins) has funds on the exchange and must transfer them to your account according to the arranged agreement, and you, in turn, transfer fiat funds to their bank account.

When such a deal is executed on the exchange, the exchange automatically transfers these funds to your account and blocks them until the seller confirms receipt of fiat funds.

Usually, no problems arise because all users undergo verification, but an appeal function is also available if something suddenly happens.

Buying via bank card - you directly buy cryptocurrency but overpay a higher commission (convenient and fast, but a small overpayment)
Deposit of your funds, with subsequent need for exchange on the platform itself - you similarly make a deposit to the site, but in your currency (local), and after receiving the funds, you exchange them for the required cryptocurrency through a currency converter or the spot market.
(spot market - the place where cryptocurrency is standardly bought or sold)

🖱️ Step 3: Going to Simple Earn

On the main page, find the button Earn → Simple Earn.

In the search, enter the name of the coin, for example USDT (or the one you previously chose for investment).

Choose the subscription type:

Flexible: Money can be withdrawn at any time without losing interest. However, the percentage can change over time (so it is advisable to check at least once a week).
Fixed: Money is placed for 3, 7, 30, 60, or more days. The percentage does not change, but in case of early withdrawal, you will lose accumulated bonuses.
Click "Subscribe", enter the amount and click "Confirm". Here you can also enable the "Auto-subscribe" function for automatic reinvesting and increasing income, but only for flexible plans.

You can check all data on this investment in your own wallet, in the Earn section. Usually, your amount of funds, current investment percentage, total profit amount, and available functions "Auto-subscribe" and Redeem (you can withdraw part of the money or fully close the account, but before this, I advise turning off Auto-subscribe so the money does not go back) are displayed there.

🔒 Basic safety rules

Do not invest all funds into one stablecoin or on one exchange.
Diversify deposits between several stablecoins.
Regularly check APR and deposit conditions, at least once a week or month (it might even happen that your percentage doesn't change, but another very profitable percentage appears, so it might be more profitable to reinvest the money).
Be careful during transfers between exchanges: always choose the same network for deposit and withdrawal, and copy the full address.
Use verified exchanges with high liquidity and reputation.

🔄 6. How to change the investment plan / stablecoin / exchange?

After formalizing a flexible investment plan, your funds are not fully locked, but they are also not in your main account. Usually, the funds are displayed in your wallet, in the Earn section, where you can manage auto-subscription, withdrawal (partial or full), and track the investment percentage and earnings.

If, during your weekly check of the investment percentage (Earn → Simple Earn), you see a more profitable investment plan (promotional or for a fixed number of days), you can move to it without extra effort (it is advisable to check the investment amount limit before switching).

🔁 Changing an investment plan:

Go to your wallet, then to the Earn section (usually located in the Assets section). First, turn off Auto-subscribe (if it was activated); in the deposit row, there should be a "Redeem" or "Details" button, by clicking which you will have the opportunity to withdraw the required amount of money, which will then fall into your Spot wallet. After that, you can go to "Earn → Simple Earn" and formalize the new desired investment plan.

💎 Investment in a more profitable stablecoin:

As mentioned earlier, a stablecoin is not a single currency, but a number of cryptocurrencies supported by the dollar, so their rate is at the level of the dollar.

If you see a stablecoin with a higher %, but it is a different cryptocurrency (for example, your investment was in USDT, and you found a more profitable stablecoin USD1), then you need to exchange your current currency for the required one. To do this, you can use several options:

• Exchange via converter when opening a deposit - this is an automatic converter that exchanges the cryptocurrency you have available for the required one, but you receive it at a slightly inflated rate, as the exchanger calculates at a slightly higher rate than the Spot trading section. This is a fast and convenient way, but you lose part of the funds
• Exchange on the Spot market - this is buying on the cryptocurrency market. You need to go to the Trade → Spot section. In the opened section, in the upper right corner, a list of cryptocurrency pairs should be displayed; immediately above it is "Search," where you need to enter the name of the stablecoin you need for investment and click on the pair of cryptocurrencies with the desired stablecoin and the stablecoin you already have; the arrangement does not play a role (if such a pair exists). In the window of this pair, you need the window where there is a button for selling your stablecoin or a button for buying another cryptocurrency (that is, you buy a new cryptocurrency for yours), check the price and the amount of required cryptocurrency, and click "Sell/Buy". After that, you can invest in the required cryptocurrency (stablecoin). If suddenly there is no direct pair for exchange, then you need to find a pair with USDT (check if this stablecoin exchanges for your cryptocurrency) and make 2 exchanges (first to USDT and then to the required one). USDT as a coin is the best known and most influential, so usually all exchange pairs exist with it.

🔄 Changing the exchange for investments:

If you, while checking other exchanges, learned about a more profitable investment plan and decided to transfer funds to another exchange, then you first need to close this deposit.

Go to your wallet in the Earn section, click "Redeem" there, and withdraw the required amount or the full amount. After withdrawal, go to the wallet section and look for the "Withdraw" or "Take out" button.

Going to this tab, you need to specify the required amount and choose the network for the transfer. Usually, the transfer fee and speed are written on the networks, so you can choose based on this, but it is mandatory to check and choose the exact same network on the exchange to which you want to send the transfer.

Also, open the other exchange (to which you want to transfer funds) and open the Deposit tab (usually a large button in the upper right part of the page); in this tab, choose the deposit coin and also choose the network you selected on the first exchange. After that, an address for transferring cryptocurrency should appear below, which you copy and paste into the first crypto exchange in the corresponding field. After that, it is advisable to check once again the identicalness of the networks, the amount, and the address, and click transfer, then go through the transfer confirmation.

(the principle of passing cryptocurrency is roughly similar to passing through a pipe. If you have different pipes, you will never receive your shipment. Also, the exchange or anyone else cannot return your funds to you, so it is worth carefully checking addresses and networks)

Example:

You decided to transfer funds from the Binance exchange to Bybit. You chose the "Plasma" network for the Binance exchange because it has no or a small fee, and on Bybit you chose the "BEP20" network. After sending, the funds did not arrive, and the whole reason is that they did not have a clear final recipient who was expecting them, which is why they will no longer appear in your account.

The final recipient always chooses the sending network and after that copies the address for the deposit, and the sender pastes this address into the address field and also checks if the network is the same.

🌐 7. Investment examples (risky and in stablecoin)

Example based on cryptocurrency (not a stablecoin):

Deposit: $1000.

Choice of cryptocurrency with APR 37%.

Price of cryptocurrency - ($0.2020)

Total cryptocurrency placed on deposit - (4950.5)

In 30 days, the profit amounted to 150.55 units of cryptocurrency (total will become 5101.05).

Scenarios:

If the price fell to 0.1520 → $775.36 (loss −$224.64).

If the price is stable at 0.2020 → $1030.41 (profit +$30.41).

If the price rose to 0.2520 → $1285.47 (profit +$285.47).

Conclusion: profit is possible, but risk is high. For stability, it is better to invest in stablecoins. In most cases, such high APRs are given by little-known or new crypto tokens, so their further fate and price are unknown.

Example based on a stablecoin:

Deposit: $1000.

Choice of cryptocurrency with APR 10%.

Price of cryptocurrency - ($1)

Total cryptocurrency placed on deposit - ($1000)

In 30 days, the profit amounted to $8.22 (total will become $1008.22)

Only one scenario, because the price does not change:

If the price is stable at 1 → $1008.22 ($8.22).

Conclusion: profit is stable.

(profit is accrued daily or hourly, depending on the exchange. You can see the accrual history in your account)

Additional benefits (Airdrops):

Launchpools: By holding certain stablecoins (for example, FDUSD on Binance) in Earn, you can automatically receive new coins of young projects for free. This is an additional bonus to the main investment profit.

🏧 8. How to withdraw funds?

Go to the Earn wallet, click Redeem next to your deposit. The money will instantly transfer to your Main (Spot) wallet.

Selling via P2P:

Go to the section Trade → P2P.
Select your currency, choose a suitable method for receiving funds, and click Sell (if your currency is not in the list, you need to exchange it in the section Trade → Spot).
Your funds were constantly stored in the Spot wallet, but for withdrawal, you need to transfer them to the Funding wallet. Therefore, after opening the sales menu, click the button "Add → Transfer" and transfer the required amount.
The buyer will transfer the money to your card, and you will confirm receipt, after which the exchange will transfer your stablecoins to them.
Via bank card:

Go to the section Trade → Spot.
Find the required currency pair - your national currency (currency of the bank card) and the stablecoin currency, and exchange them.
Go to the wallet section and find the Withdrawal or Withdraw button, then withdraw the required amount.

📝 9. Conclusion

Stablecoins are not a speculative "bubble," but a tool that works as a digital analogue of the dollar.

Simple Earn is the simplest way for passive earnings on crypto, without trading and charts.

By investing in crypto deposits at 6–20% per annum, you receive several times more profit than in a bank, while the risk of a price drop is minimal — if you choose centralized stablecoins and verified exchanges.

It is advisable to check the investment plan at least once a week or month (the more often, the sooner you may notice promotional or high APR percentages).

Experience comes quickly — by mastering Simple Earn, you will already understand the basic logic of investing in cryptocurrencies.

⚠️ Disclaimer: This article is for informational purposes and is not financial or investment advice.

This article was originally published on my blog: https://storeservice-crypto-assist.blogspot.com/2026/01/next-generation-dollar-deposits-how-to.html