21% APY on USDT.
Locked at signup.
Fixed-term yield on stablecoins, BTC, ETH, and 10 more assets. Rates lock the moment you subscribe — they don't move when the market does. No commitment until you deposit.
As seen in
Sample · Verified rate
$25,000 USDT
APY
21%
Term
30 mo
You'd earn at maturity
+$13,125
Run the numbers.
Before you move a coin.
Pick an asset, an amount, a term. Rates are verified live. Flip to Unlock Cash to see what you can get — no credit check, no selling.
USDTBetter than your bank. Better than every exchange.
25,000 · 30mo · Verified July 2026
Cashaa earns you $1,875 more than Binance.
§ Best in class
Higher than every comparable.
Benchmarked against 5 competitor platforms. We win on every asset where we're listed.
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USDT
USDC
BTC
ETH
SOL
BNB§ Transparency
100% reserves. Public ledger.
Every dollar of deposit backed 1:1. No rehypothecation. No hidden leverage. What you deposit is what we hold — verifiably.
BTC
Bitcoin
USDT
Tether
ETH
Ethereum
BNB
Binance Coin
OTHER
Others (SOL, ADA, USDC, XRP …)
§ How it works
Four steps. Minutes.
No spreadsheets, no lockups you regret. Pick a term and go.
- 01
Choose
Pick your crypto, amount, and term.
- 02
Deposit
Rate locks from day one. No surprises.
- 03
Earn
Get paid quarterly or at maturity.
- 04
Receive
Everything back at term end.
§ FAQ
Common questions.
Short answers. Longer ones in the Help Center.
Can I withdraw before the term ends?+
Yes. You can cancel before maturity: your full principal is returned and there's no penalty fee. The interest accrued so far is forfeited, but any interest already paid out stays yours. If you're unsure of the term, start with 3 months.
What happens at term end?+
Principal plus earnings release automatically. Re-subscribe at the prevailing rate, or withdraw to your bank / another wallet.
How are these rates sustainable?+
Over-collateralised lending + market-neutral strategies + institutional borrow. No yield farming, no speculative exposure.
What if Cashaa has problems?+
Cashaa operates as a Registered Virtual Assets Service Provider (VASP) with strict capital and conduct requirements. Deposits are 1:1 backed and segregated from operational funds.
What APR do you offer, and is it guaranteed?+
Rates scale with the term — for example USDT runs from 8% APY on a 3-month term up to 21% APY on the longest term. Whatever rate you pick is fixed at subscription for the full term, so market moves don't change what you earn.
What's the minimum to start earning?+
The minimum is 50 USDT, and minimums vary by asset. You can start with as little as $100 worth of crypto to test, then top up anytime to a new term.
Lock the rate
Your crypto, working while you sleep.
Fixed-term yields up to 21% APY. 100% reserves. Takes 2 minutes.