Amount staked
The USDT you committed. It stays visible and identifiable at all times, and it never leaves your custody.
Product
How USDT staking works
Four steps, about two minutes, and nothing about your setup changes. Your USDT stays in your own wallet the whole time — you are choosing a term, not opening a bank account.
The four steps
Fixed-term staking is deliberately simple. There is no lock-in wizard, no approval flow to learn, and no separate account to open. Everything happens inside the wallet you already use for balances, swaps and collectibles.
- Open your wallet. Launch Trust Wallet on the device that holds your USDT. No recovery phrase, no password and no email is requested at this stage.
- Choose USDT. Tap USDT in your asset list, then open the staking option. Only your own balance is used — there is nothing to deposit from elsewhere.
- Pick a term. Choose 10, 30, 90 or 180 days. Longer terms pay a higher APR. The minimum is 10 USDT and the rest of your balance stays completely liquid.
- Start earning. Confirm once. The position appears alongside your assets, accrues daily, and the reward is credited at the end of the term.
That is the whole flow. There is no auto-renewal you have to remember to cancel, no withdrawal fee while a term is running, and no lock on the rest of your USDT.
What you see while a term is running
An open position shows four things, and they update as the term progresses:
Term and time left
The selected length and a countdown to maturity. The term is fixed once confirmed — it cannot be shortened from inside the app.
Accrued reward
Rewards accrue continuously and are shown as a running total, not a single number that appears at the end.
Projected total
Principal plus projected reward at the current rate, so you can compare terms without doing arithmetic yourself.
How the reward is calculated
Rewards are proportional interest, not a compounding lottery. For an amount A, an annual rate R and a term of D days:
The formula
reward = A × R × D ÷ 365
Using the 30-day plan as an example: 10,000 × 17.20% × 30 ÷ 365 = 141.37 USDT, credited once at maturity for a total of 10,141.37 USDT.
Because the formula is linear, the same rate produces the same percentage of your principal at any amount. Doubling the stake doubles the reward; it never changes the rate you were quoted.
What happens at maturity
- The reward is credited to your USDT balance automatically at the end of the term.
- Your principal returns to the same liquid balance it came from. There is no withdrawal step and no fee.
- Nothing renews on its own. If you want another term, you start a new one deliberately.
- If you want out early, the remaining balance is returned — you simply forgo the reward for the unused days. The app shows this trade-off before you confirm.
Splitting a balance across terms
Staking never locks your whole USDT position. You can commit part of a balance to a long term and keep the rest spendable, and positions on different terms mature independently of each other. Nothing about one position can block another.
Two things worth knowing up front
- The rate is fixed at confirmation. If rates change later, an already-open position keeps the rate you agreed to for its whole term.
- Nothing is staked until you sign. Browsing the staking screen, changing the amount and switching terms has no effect on your balance at all.
Nothing in this flow is custodial
Your keys never leave your device, no one can move your USDT on your behalf, and no screen in the app will ask for your recovery phrase. See self-custody and no seed phrase requests for the details.