What is USDT Earn on Pluang?
USDT Earn is a Pluang feature that pays you a daily reward on USDT you move from your USDT Wallet into USDT Earn, so USDT you are not using right now can keep working for you. Pluang Plus members earn 2.18% per year (APR) and regular users earn 1.08% per year (APR). Rates can change, and the app always shows your current Est. APR. You open it from Wallet → Crypto → USDT card → Earn. After you tap Deposit, your USDT goes through a 13-day deposit period, then joins your Earn Balance and starts earning. Rewards build up every day and are paid into your USDT Wallet on the 5th of each month. The minimum deposit is 1 USDT, there is no maximum and there is no fee. There is no fixed lock-up term: whenever you want your USDT back, tap Redeem: it returns to your USDT Wallet after a 13-day withdrawal period.
USDT Earn at a glance
| Feature | Detail |
|---|---|
| Rate | 2.18% per year (APR) for Pluang Plus, 1.08% per year (APR) for regular users |
| What earns | USDT in your Earn Balance, plus USDT you have asked to redeem until the next 09:00 WIB batch |
| How rewards build up | Every day at 08:00 WIB |
| When rewards are paid | The 5th of each month, into your USDT Wallet |
| Deposit period | 13 days before a deposit starts earning |
| Withdrawal period | 13 days before redeemed USDT is back in your USDT Wallet |
| Minimum | 1 USDT per deposit and per redeem, no maximum |
| Fee | None |
While your USDT is in USDT Earn, it still counts in your total USDT and your portfolio value. It cannot be sold, sent or transferred until it is back in your USDT Wallet as Available to Transfer.
Related questions
Q: Is USDT Earn the same as bank interest?
No. USDT Earn is a Pluang feature that pays rewards in USDT on the USDT you move into it. It is not a bank deposit and is not interest paid by a bank. Rewards are worked out every day from your Earn Balance and paid into your USDT Wallet on the 5th of each month. Like any crypto product, it carries risks, including changes in the value of USDT against the rupiah.
Q: Does USDT Earn start automatically?
No. USDT in your USDT Wallet does not earn anything until you deposit it into USDT Earn. Open Wallet → Crypto → USDT card → Earn, tap Deposit and enter an amount of at least 1 USDT. The deposit then goes through a 13-day deposit period. Your USDT starts earning once it is in your Earn Balance, and the first reward is recorded the following morning at 08:00 WIB.
Q: Can I use my USDT while it is in USDT Earn?
No. USDT that is being deposited, sitting in your Earn Balance or being redeemed is held in Earn. It cannot be sold, sent, transferred to IDR Crypto Funding or the USDT Margin Account, or used in Pockets. To use it, tap Redeem. It comes back to your USDT Wallet as Available to Transfer after the 13-day withdrawal period. Rewards you have already earned are still paid on the 5th.
Q: Does USDT Earn cost anything?
No. There is no fee to deposit into USDT Earn, to redeem, or to receive rewards, and there is no maximum amount. The minimum is 1 USDT per deposit and per redeem. Other fees still apply as usual, for example the conversion fee when you move rupiah from IDR Crypto Funding into USDT. Each reward payment appears in your transaction history as USDT Earn Reward, showing the amount credited.
Last updated: 27 October 2026