Digital asset exchange MEXC has announced a temporary upgrade to its MEXC Earn products, increasing the annual percentage rate on USDT Flexible Savings to as high as 20 percent. The move comes amid heightened demand for yield generating opportunities in stablecoin markets as investors seek returns while managing volatility in broader crypto assets.
Under the revised structure, deposits between 0 and 300 USDT now earn 20 percent APR, up from the previous 16 percent rate. The mid tier bracket covering 300 to 100000 USDT has been raised to 10 percent APR, doubling its earlier 5 percent return. The flexible savings product does not impose lock up periods, allowing users to withdraw funds at any time while still participating in the yield program.
The platform also continues to promote additional earning options across multiple assets. Flexible Savings includes competitive rates for USDC holders, while Spot Auto Earn enables automatic yield generation for tokens such as USDD, USDE, and MXSOL. MEXC states that these products are designed to provide passive income solutions without requiring active trading strategies.
For users seeking fixed term opportunities, the exchange is offering limited duration promotional products. New users can access short term USDT products with elevated APRs, alongside time bound offerings tied to tokenized gold and silver assets. These higher rate promotions are structured as fixed savings products with predefined durations.
In parallel, the exchange has introduced earning opportunities linked to its futures ecosystem. Futures Earn allows users to generate returns on USDT and USDC balances, with advertised rates reaching up to 20 percent APR depending on tier and participation limits.
Liquidity management remains a core component of the updated product suite. Through its collateralized lending service, MEXC Loans, users can borrow digital assets by pledging holdings such as BTC, ETH, SOL, or XRP as collateral. A zero interest promotion is scheduled to run through February 27, 2026, enabling borrowers to access liquidity without incurring standard interest costs during the promotional window.
The combination of flexible savings, fixed term products, and collateralized lending reflects a broader trend among centralized exchanges to diversify revenue and user engagement beyond spot trading fees. Stablecoin yield products in particular have gained traction as market participants seek lower volatility instruments that still offer competitive returns compared with traditional savings vehicles.
Investors evaluating high APR promotions typically assess sustainability, tier limits, and risk management frameworks before allocating capital. While elevated rates can attract short term inflows, market participants often monitor platform transparency, collateral structure, and liquidity depth to gauge long term viability. The limited time APR increase on USDT Flexible Savings highlights ongoing competition among exchanges to capture stablecoin deposits in an increasingly yield focused crypto environment.
