Is USDT Earn safe, and what are the risks?
USDT Earn is not risk-free, and neither your USDT nor your rewards are guaranteed. USDT in USDT Earn still appears in your total USDT and portfolio value, but it is no longer sitting idle in your USDT Wallet, so it carries risks that USDT kept there does not. Rewards can change too: regular users currently earn 1.08% per year (APR) and Pluang Plus members 2.18% per year (APR), and the app always shows your current Est. APR. USDT is a crypto asset, so its value in rupiah moves with the USDT/IDR price. Your USDT is also tied up while it is in Earn: deposits take 13 days to start earning and redemptions take 13 days to return, so you cannot sell quickly if prices move. USDT Earn is not a bank deposit. Read the USDT Earn Terms & Conditions linked on the Deposit page before you start.
Risks to know before you deposit
| Risk | What it means for you |
|---|---|
| Rate changes | The APR can go up or down. Past rewards are not affected, but future rewards follow the new rate. |
| Price movement | Rewards are paid in USDT. If the USDT/IDR price falls, the rupiah value of your USDT and rewards falls too. |
| Waiting periods | Deposits take 13 days to start earning and redemptions take 13 days to return, so your USDT cannot be sold or moved in the meantime. |
| Pauses | Pluang can pause new deposits or redemptions. Requests already placed carry on, but you cannot place new ones until the pause ends. |
| Not a bank deposit | USDT Earn is a crypto product, not a savings account, and rewards are not interest paid by a bank. |
USDT Earn suits USDT you do not expect to need for at least a few weeks. Keep USDT you may want to trade or move soon in your USDT Wallet as Available to Transfer.
Related questions
Q: Can I lose USDT in USDT Earn?
USDT Earn is not risk-free, and neither your USDT nor your rewards are guaranteed. USDT you deposit is no longer sitting idle in your USDT Wallet, so it carries risks that USDT kept there does not. Separately, USDT is a crypto asset whose rupiah value moves with the USDT/IDR price, so your holding can be worth less in rupiah later, and the reward rate can change. Read the USDT Earn Terms & Conditions linked on the Deposit page before you deposit.
Q: Why does it take 13 days to get my USDT back?
Redeeming in USDT Earn has a fixed 13-day withdrawal period, the same length as the deposit period. Your request first waits for the next 09:00 WIB batch, then the 13 days start, and your USDT returns to your USDT Wallet at 09:00 WIB when they end. The Est. Completion date on the redeem shows exactly when. Plan ahead if you may need the USDT soon, because the period cannot be shortened.
Q: What happens if deposits or redemptions are paused?
Pluang can pause new deposits or new redemptions for a while. During a pause, the Deposit or Redeem button stays visible but cannot be tapped, and the app shows a message such as 'Deposits are paused for now.' Requests you placed before the pause carry on as normal, and your Earn Balance keeps earning. You can place new requests once the pause ends.
Q: Is my USDT Earn balance included in my portfolio value?
Yes. All USDT held in Earn, whether it is being deposited, sitting in your Earn Balance or being redeemed, counts in your total USDT, your portfolio value and the total on your homepage. On the USDT card under Wallet → Crypto, it appears as USDT Earn next to USDT Spot. It is simply not part of Available to Transfer, so it cannot be spent until it is redeemed.
Last updated: 27 October 2026