What is the APR for USDT Earn?
USDT Earn pays up to 2.18% per year (APR). Pluang Plus members earn 2.18% per year and regular users earn 1.08% per year. Rates can change, and the app always shows your current rate as Est. APR on the USDT Earn page, which you open from Wallet → Crypto → USDT card → Earn. Your rate is checked every day for the tier you are in that day, so if you become a Pluang Plus member partway through the month, the higher rate applies from the next daily reward onwards. Past days are never recalculated, whether a rate goes up or down. The rate is an annual figure: each day you earn one 365th of it on your Earn Balance. Rewards are not compounded automatically, but once they are paid into your USDT Wallet on the 5th, you can deposit them into USDT Earn again yourself.
USDT Earn rates
| Membership | APR | Daily reward on 1,000 USDT |
|---|---|---|
| Pluang Plus | 2.18% per year | 0.059726 USDT |
| Regular | 1.08% per year | 0.029589 USDT |
Daily rewards are worked out as Earn Balance × APR ÷ 365 and rounded down to 6 decimals. Rates can change, and the Est. APR on your USDT Earn page always shows the rate that applies to you today.
Related questions
Q: How do I get the Pluang Plus rate?
The 2.18% rate applies on every day your account is a Pluang Plus member. If you are a regular user, the Est. APR on your USDT Earn page shows a tag with the Pluang Plus rate, and tapping it opens the Pluang Plus benefits. Once your account becomes a Pluang Plus member, the higher rate applies from the next daily reward. You do not need to deposit again or change anything in USDT Earn.
Q: Can the USDT Earn rate change?
Yes. Pluang sets the rate and can change it, so it may go up or down over time. A change applies only from the day it takes effect. Rewards already recorded for earlier days keep the rate that applied on those days and are never recalculated. The Est. APR on your USDT Earn page always shows your current rate, so check it there rather than relying on a figure you saw earlier.
Q: Is the APR the same as APY?
No. APR is a simple annual rate: each day you earn one 365th of it on your Earn Balance, and rewards are not added to your Earn Balance automatically. APY would assume rewards are reinvested and keep earning. With USDT Earn, rewards are paid into your USDT Wallet on the 5th, and you can choose to deposit them into USDT Earn again. If you do, they start earning after the usual 13-day deposit period.
Q: Do I earn the rate during the deposit period?
No. USDT in its 13-day deposit period does not earn anything yet. It starts earning at the APR for your tier once it joins your Earn Balance, and the first reward is recorded the next morning at 08:00 WIB. Because of this, the amount you actually receive in your first month is usually lower than a full month at the quoted rate.
Last updated: 27 October 2026