How is USDT Earn different from USD Yield, IDR Yield and Crypto Staking?
USDT Earn, USD Yield, IDR Yield and Crypto Staking all let you earn on money or crypto you hold in Pluang, but each works on a different balance. USDT Earn pays rewards in USDT on USDT you deposit from your USDT Wallet: 1.08% per year (APR) for regular users and 2.18% per year (APR) for Pluang Plus members, with rates that can change, so check the current Est. APR in the app. Unlike USD Yield and IDR Yield, which you switch on once and which leave your money free to use, USDT Earn ties up each deposit: it takes 13 days to start earning and 13 days to return when you redeem. Crypto Staking is closest in shape, with its own waiting periods, but it works on other supported coins and pays rewards in the coin you staked. You can use all four at the same time on different balances.
Side-by-side comparison
| USDT Earn | USD Yield | IDR Yield | Crypto Staking | |
|---|---|---|---|---|
| What earns | USDT you deposit into USDT Earn | Withdrawable USD cash | IDR Cash | Supported coins you stake |
| Rate | 1.08% (regular) / 2.18% (Pluang Plus) per year (APR) | Set by Pluang, follows US interest rates; see the app | 1% (regular) / 2.5% (Pluang Plus) per year | Varies by coin; see the app |
| How you start | Deposit each amount | Activate once | Activate once | Stake each amount |
| Is the money tied up? | Yes: 13-day deposit and 13-day withdrawal periods | No | No | Yes: waiting periods set by each blockchain |
| When paid | The 5th of each month | The 5th of each month | By the 10th of the following month | Weekly |
| Paid in | USDT | USD | Rupiah | The coin you staked |
Rates for every product can change. The app always shows the rate that currently applies to you on each product's own page.
Related questions
Q: Which one should I use?
It depends on which balance you hold and how soon you may need it. USDT Earn suits USDT you do not expect to use for at least a few weeks, because deposits and redemptions each take 13 days. USD Yield and IDR Yield suit cash you want to keep free to invest at any moment. Staking suits other supported coins you plan to hold. Pluang does not give personal recommendations, so compare the terms on each product page.
Q: Can I use USDT Earn and the other products at the same time?
Yes. Each product works on a different balance, so they do not interfere with one another. You can earn USD Yield on your USD cash, IDR Yield on your IDR Cash, staking rewards on coins you stake and USDT Earn rewards on USDT you deposit, all at once. Moving money between these balances follows the usual transfer rules and fees for each balance, which are shown before you confirm.
Q: Does activating USD Yield or IDR Yield also activate USDT Earn?
No. USDT Earn has no on-off switch. Instead, you choose how much USDT to deposit each time. Open Wallet → Crypto → USDT card → Earn and tap Deposit, with a minimum of 1 USDT. Activating USD Yield or IDR Yield does not move any USDT into USDT Earn, and depositing into USDT Earn does not activate either of those programs. Each one is set up separately.
Q: Why are USDT Earn rewards paid in USDT and not rupiah?
USDT Earn rewards are calculated on USDT and paid in USDT, straight into your USDT Wallet as Available to Transfer. This keeps your reward in the same asset you deposited. If you want rupiah, you can transfer the USDT to IDR Crypto Funding after it is paid; the conversion fee and tax are shown before you confirm. The rupiah value of a reward depends on the USDT/IDR price at the time.
Last updated: 27 October 2026