How to Invest in USD Savings with Up to 10% Annual Returns

Many Indonesians are starting to look into investing in USD savings with up to 10% annual returns as a way to protect their money from the weakening of the Rupiah.

It's no longer just through foreign currency savings accounts at banks; now you can “save dollars” digitally through USD-based assets that offer higher returns than regular deposits.

In this article, we discuss the concept in simple terms: what is saving dollars using USDT, how does it work, how can you get returns of up to around 10% per year, and what risks do you need to understand.

Read also: STBL (STBL) Token: RWA Stablecoin & Trading Opportunities in Indonesia

Why Saving USD Can Be a Smart Strategy

In recent years, the USD IDR exchange rate has tended to rise. This means that if you keep all your funds in Rupiah, their value can erode over time. This is why many people have started saving USD as a form of value protection.

Saving dollars through USDT

One modern way is to use USDT (Tether), a stablecoin designed to be worth approximately 1 USDT = 1 USD. In other words, when you hold USDT, you are essentially holding “crypto dollars.”

The main advantages of saving dollars through USDT:

• More stable value than many other crypto coins
• Easy to buy with Rupiah on local crypto exchanges
• Easy to convert back to Rupiah when you need it
• Can be placed in products such as USDT staking or flexible interest programs that offer returns of around 8-10% per year, or even higher during certain promotions

Compare with:

• Regular Rupiah savings: interest of around 0.5–1% per year
• Rupiah deposits: around 2–4% per year
• Foreign currency savings: generally very small, can be below 1–2% per year

With USDT-based dollar savings investments, you pursue two benefits at once:

1. Potential value protection from the weakening of the Rupiah against the dollar
2. Potential passive returns if USDT is placed in interest-bearing products or staking

Of course, the “up to 10% per year” return is not a fixed figure and may change at any time depending on the platform's policy.

However, in general, stablecoin-based crypto products often offer more attractive returns than traditional banking products.

Read also: The Advantages of Ripple USD (RLUSD) Stablecoin and Its Impact on XRP

Practical Ways to Save USD Using USDT

Now let's discuss the practical steps: from Rupiah to USDT, then invested. The logical sequence is as follows:

1. Open an account at a licensed Indonesian crypto exchange
2. Deposit Rupiah
3. Buy USDT / USD-based stablecoins
4. Place USDT in interest-bearing products (staking or flexible programs)

First step: buy USDT with Rupiah

In general, the process is as follows:

1. Registration and verification
   • Register on an official local crypto exchange
   • Complete KYC (upload ID card + selfie)
   • Wait for verification to be completed
2. Deposit Rupiah
   • Via bank transfer, virtual account, or e-wallet
   • Note the minimum deposit (many platforms start from IDR 10,000)
3. Buy USDT
   • Go to the Market / Trade menu
   • Select the USDT/IDR pair
   • Use Market Order to buy quickly at the current price
   • Alternative: use the Swap feature from IDR to USDT, which is usually simpler for beginners

After these steps, you officially have a “dollar savings account” in the form of USDT.

Two common ways to invest in dollars with USDT

Once you have USDT, there are two types of products that are usually offered by many platforms:

1. USDT staking (higher returns, there is a lock-up period)

• You “lock” USDT for a certain period (e.g., 7 days, 30 days, 90 days, 180 days)
• In return, you get interest rewards in the form of USDT
• The return can be around 8-10% per year, sometimes higher for promos or new users
• Suitable if you don't need daily liquidity and want a more stable return

Simple example (illustration):

• You stake 1,000 USDT for 1 year in a product with an APY of 10%
• If the interest rate and terms remain unchanged, at the end of the period you could have around 1,100 USDT (not including the compounding effect if automatically extended)

2. Flexible interest program / Auto Earn (more flexible, slightly lower returns)

• You place USDT in a flexible interest product
• You can usually deposit and withdraw at any time
• Returns are calculated daily and paid periodically
• Returns are generally slightly lower than fixed-term staking, but much more flexible

This type of product is suitable if:

• You want to continue earning interest
• But want to have the option of quick withdrawal in case of sudden needs
• You don't want to be tied to a long lock-up period

Read also: STBL Price Prediction: Stablecoin Innovation with 325% Surge

Example platform: Save USDT dollars through a licensed crypto exchange

In Indonesia, there are already crypto exchanges that:

• Tare registered with Bappebti and Kominfo
• Support USDT purchases with Rupiah starting from small amounts
• Provide USDT staking and Auto Earn features with potential returns of up to around 10% per year

One example is Bittime, which offers:

• Easy USDT/IDR purchases through the app
• USDT Staking feature for higher returns
• Auto Earn feature for flexible interest without having to trade daily

If you are interested in trying USDT-based dollar savings, you can open an account at Bittime, deposit a small amount of Rupiah first, then try placing some USDT in the Staking or Auto Earn features. Always read the product terms and risks before pressing the “confirm” button.

Read also: Stablecoin Market Surges: Inflows Increase, Tether Dominates

Profit Simulation and How to Manage Risk

To make it more practical, let's look at a rough simulation. This is just an illustration, not exact figures.

USD savings simulation via USDT

Assume:

• Estimated exchange rate: 1 USDT ≈ IDR 16,700 (just an example)
• You have IDR 10,020,000 (roughly enough for 600 USDT)

Scenario 1 – Save USDT only, without interest

• You buy 600 USDT
• If a year later the USD IDR exchange rate rises (for example, the Rupiah weakens), the value in Rupiah may also increase
• But you don't get any additional returns other than the potential exchange rate difference

Scenario 2 – Staking USDT with an APY of around 10% (illustration)

• You stake 600 USDT for 1 year in a product with an APY of 10%
• At the end of the year, you can get around 60 USDT
• A total of around 660 USDT
• If converted back to Rupiah when the exchange rate is approximately the same, you get around 10% “interest” in one year, excluding the exchange rate effect

Of course, in practice:

• APY is subject to change
• There are terms and conditions
• Withdrawals before maturity can reduce returns

Understand the risks before pursuing a 10% annual return

Although it sounds attractive, investing in USD savings with up to 10% per year still has risks:

• Platform risk – exchanges can experience technical disruptions, operational problems, or policy changes
• Stablecoin risk – although rare, there is always a risk that stablecoins will no longer be 1:1 against the USD
• Regulatory risk – crypto regulations can change and affect interest or staking products
• Liquidity risk – if funds are locked in staking, you cannot freely withdraw them at any time

Some simple ways to manage risk:

• Don't put all your funds in one place or one product
• Start with a small amount first, then increase it gradually once you understand the mechanism
• Read the product details, especially the risk and withdrawal terms sections
• Enable 2FA and keep your account secure

Read also: What is USDH? An Hyperliquid Stablecoin That Attracts Attention

Tips Before Starting How to Invest in USD Savings with up to 10 Percent per Year

Before you implement this strategy, check the following points:

1. Determine your goals first
2. Is it to:
   • Protect your assets from the weakening of the Rupiah
   • Build an emergency fund in USD
   • Seeking additional passive income
3. Choose an official and transparent platform
   • Ensure it is licensed in Indonesia
   • Check user reviews and service quality
4. Don't chase numbers alone
   • High APY is attractive, but also consider the risks
   • Flexible products with slightly lower returns are sometimes more suitable for certain risk profiles
5. Use cold money
   • Avoid using daily operational funds
   • Avoid going into debt to enter crypto-based products
6. Keep learning
   • Follow news about USD IDR, stablecoins, and crypto regulations
   • Read educational articles from the platform you use

With this approach, saving USD based on USDT can be an interesting component of your financial strategy, but not the only one.

Conclusion

Investing in USD savings with up to 10% per year can be done in a modern way through:

• Buying USDT with Rupiah on a licensed crypto exchange
• Placing it in USDT staking products or flexible interest programs

The advantages are:

• The value follows the US dollar
• Potential returns are higher than Rupiah savings and deposits
• Can be a combination of value protection and passive income

However, keep in mind that crypto and stablecoins have risks. The figure “up to 10% per year” is not a guarantee and is subject to change. Use spare cash, understand the product, and don't forget to spread the risk.

How to Buy Crypto on Bittime

Want to trade sell buy Bitcoins and crypto investment easily? Bittime is here to help! As an Indonesian crypto exchange officially registered with Bappebti, Bittime ensures every transaction is safe and fast.

Start with registration and identity verification, then make a minimum deposit of IDR 10,000. After that, you can immediately buy your favorite digital assets!

Check the exchange rate BTC to IDR, ETH to IDR, SOL to IDR and other crypto assets to find out today's crypto market trends in real-time on Bittime.

Also, visit the Bittime Blog for interesting updates and educational information about the crypto world. Find reliable articles about Web3, blockchain technology, and digital asset investment tips designed to enrich your crypto knowledge.

FAQ

What does saving USD through USDT mean?

It means you save funds in the form of USDT stablecoins, whose value follows the USD, then place them in interest or staking products to earn returns.

Is it true that you can get up to 10% per year?

Many crypto platforms offer APYs of around 8–10% for USDT, sometimes more during certain promotions. This figure is not guaranteed and may change at any time.

Is saving dollars through USDT better than Rupiah deposits?

The returns are usually higher, but the risks are also different. Bank deposits are relatively very safe, while crypto products have technological and regulatory risks.

Can funds be withdrawn at any time?

It depends on the type of product. Term staking usually has a lock-in period. Flexible interest products usually allow for more freedom in withdrawing funds, but the returns are slightly lower.

Is this method suitable for everyone?

Not always. This method is more suitable for those who already understand the basics of crypto, are prepared for the risks, and are using funds that they can manage for the medium to long term.