3 Stablecoins with the Highest APYs: Which One is the Most Profitable?
2025-09-10
Bittime - In the crypto world, known for its high volatility, stablecoins serve as an anchor of stability. These digital assets are designed to maintain a fixed value, typically pegged to the US dollar. Due to their stability, stablecoins are used not only for transactions and hedging but also to generate attractive APY (Annual Percentage Yield) across various DeFi protocols.
This article discusses the 3 stablecoins with the highest APY that currently dominate the market:Tether (USDT), USD Coin (USDC), and Athena USDe (USDE).
1. Tether (USDT) – Market Cap: Rp2,780 Trillion
Tether (USDT) is the world's largest stablecoin with a market capitalization of IDR 2,780 trillion. Launched in 2014, USDT was designed to bridge the gap between fiat and crypto with a 1:1 exchange rate against the US dollar.
Network: Bitcoin(Omni Layer),Ethereum, Tron, EOS, Algorand, OMG Network.
APY:USDT is often offered with high APYs on various lending and staking platforms.
Main functions:Transaction medium, hedging, and dominant asset in trading pairs on crypto exchanges.
READ ALSO: 5 Top Crypto Narratives for September 2025 You Must Know
2. USD Coin (USDC) – Market Cap: Rp1,195 Trillion
USD Coin (USDC) is the second-largest stablecoin. With a 1:1 collateralization ratio to the dollar, each USDC unit is backed by cash and short-term US government bonds.
Launched:September 2018 by Centre Consortium.
APY:Stable on DeFi platforms, often a choice for conservative investors.
Main functions:Digital business transactions, payment acceptance, and integration in the DeFi and gaming sectors.
3. Ethena USDe (USDE) – Market Cap: Rp212.92 trillion
Ethena USDe is a newcomer that has immediately entered the ranks of the largest stablecoins. Its value is maintained through an Ethereum-based delta-hedging mechanism.
Protocol: Athena (ENA)Ethereum based.
Featured product:Internet Bond – a dollar-based savings instrument.
APY:Touted as one of the highest in the market, it has attracted the interest of DeFi investors.
Main functions:Stable, transparent, and fully on-chain, supporting the global DeFi ecosystem.
The Importance of Stablecoins with High APY
Stablecoins with high APYs offer a combination of price stability and passive profit potential. Their advantages include:
Fast global transactionswithout waiting for the banking process.
Low costcompared to bank transfers or credit cards.
DeFi Flexibilityfor staking, lending, and liquidity pools.
Protection from inflationin countries with weak currencies.
24/7 accesswithout holidays like traditional banking systems.
READ ALSO: 7 Altcoins That Will Make Money From September to December 2025
Conclusion
These three major stablecoins—USDT, USDC, and USDe—are not only popular because of their market capitalization, but also because they offer attractive APYs in the DeFi world.
USDTsuitable for those looking for high liquidity.
USDCoffering stronger stability and regulation.
USDcomes with DeFi innovation and tempting high APY.
For investors, choosing stablecoins with high APYs can be a smart strategy for generating passive returns, but it's still important to be mindful of protocol risks and the volatility of the crypto ecosystem.
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FAQ
What is APY in stablecoins?
APY is the annual percentage return that can be earned from staking or lending stablecoins.
Which stablecoin has the highest APY currently?
Ethena USDe is widely referred to as the stablecoin with the highest APY in the DeFi ecosystem.
Are stablecoins safe for investment?
More stable than other cryptos, but there are still risks from protocols or regulations.
Are stablecoins a must-have for crypto investors?
Not mandatory, but very useful for hedging and fast transactions.
Can stablecoins be used outside of trading?
Yes, it can be used for global payments, DeFi savings, and digital business transactions.
Disclaimer: The views expressed belong exclusively to the author and do not reflect the views of this platform. This platform and its affiliates disclaim any responsibility for the accuracy or suitability of the information provided. It is for informational purposes only and not intended as financial or investment advice.
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