Yield
CoinEx Earn
CoinEx paid the highest stablecoin rates on our board through June 2026 — 13.21% on USDT. Five weeks later it pays 3.3%. Nothing about its risk profile changed in between, and that is the most useful thing this page can tell you:…
Is CoinEx Earn safe? It scores D on our five safety checks, passing 2 of 5 — Proof-of-Reserves, Flexible withdrawal; not passed: Regulation, Insurance Fund, Track record (2+ years incident-free). Every check below cites the evidence behind it and links its source. See how it ranks against the other 42 venues we grade →
Why this grade
- ✗
Regulation
Founded in Hong Kong, operated by ViaBTC Group. Regulatory standing is less transparent than larger exchanges — no public Tier-1 (FCA/MAS/SEC) or VARA/MiCA licenses. Source →
- ✓
Proof-of-Reserves
Publishes Merkle-tree PoR since 2022, audited by SlowMist. Latest update May 2026, 1:1 (100%) coverage. Source →
- ✓
Flexible withdrawal
Flexible Savings with no lock period and hourly accrual. Fixed-term products are clearly timed. No withdrawal complaints. Source 1 → Source 2 →
- ✗
Insurance Fund
Shield Fund (10% of trading fees) and Insurance Fund (30% of margin interest) — together around $33M+ as of mid-2025. Small by industry standards. Source →
- ✗
Track record (2+ years incident-free)
September 2023 hot-wallet hack of ~$70M (attributed to Lazarus Group). The exchange paused withdrawals, resumed within ~9 days, fully compensated users without diluting its CET token, and recovered over ~9 months. Source →
Incidents we count
Known incidents
1- September 2023 Hot-wallet hack via compromised private keys. Early estimates put it near $55M; CoinEx later stated roughly $70M itself, calling it "a small portion" of its assets. The Lazarus Group link comes from blockchain investigators, not from CoinEx. Withdrawals were paused and CoinEx publicly promised affected users 100% compensation. Stated plainly: we could not confirm that the compensation was actually paid in full — it is a promise, not a verified outcome. CoinEx's own announcements are closed to us; the exchange geo-blocks our region and redirects to a login form. Source →
All CoinEx Earn products
Yield products
as of Sep 26, 2026| Product | Rate | Type | Lock | |
|---|---|---|---|---|
| USDC | 2.0 % | flexible | — | Open CoinEx Earn → |
| ETH | 1.5 % | flexible | — | Open CoinEx Earn → |
| USDT | 1.0 % | flexible | — | Open CoinEx Earn → |
| BTC | 0.5 % | flexible | — | Open CoinEx Earn → |
What would CoinEx Earn pay you?
How much will you earn?
Method: monthly compounding (1 + APR/12)ⁿ, where APR is the exchange's stated rate. The realized 12-month return is slightly higher due to reinvestment. Rates may change. Not financial advice.
How yields have moved
Source: daily snapshots via exchange API · accumulating since YieldScope launch
This is not an affiliate link. Price for you doesn't change.
CoinEx review: what this platform is
CoinEx paid the highest stablecoin rates on our board through June 2026 — 13.21% on USDT. Five weeks later it pays 3.3%. Nothing about its risk profile changed in between, and that is the most useful thing this page can tell you: the premium you were being paid for carrying CoinEx's risk has largely gone, while the risk itself has not.
The reasons for the D grade are concrete. It's operated by ViaBTC Group out of Hong Kong with no licensing from a major regulator; it has no real insurance fund (only small fee-funded buffers); and in September 2023 it was hit by a hot-wallet hack of roughly $70M (attributed to the Lazarus group). It does publish Merkle-tree proof-of-reserves (audited by SlowMist), which is the one bright spot — but proof-of-reserves on a date doesn't offset missing regulation, no insurance, and a recent major breach.
That collapse is worth sitting with. In June, CoinEx's BTC and ETH paid above 10%, high enough that we flagged them as promotional rather than base rates; today they pay 0.54% and 1.64%. A rate that falls four-fold in five weeks was never a base rate you could plan around. Whatever CoinEx pays on the day you read this, treat it as the high-risk end of the spectrum and check it yourself before depositing. This review is not investment advice.
How Earn works on CoinEx
CoinEx Earn is flexible from $1. Today it pays 3.3% on USDT and 2.92% on USDC — ordinary rates, on a venue that is not an ordinary risk.
That is the whole argument for reading a rate next to a grade rather than on its own. Through June the same product paid over 13%, which was compensation for a venue with no major-jurisdiction licence and a 2023 hack behind it. The compensation has largely gone; the licence and the hack have not. Rates here move fast, so verify on CoinEx before depositing, and never deposit more than you can afford to lose.
How to start on CoinEx, step by step
- 01If you proceed: keep the position small — this is the high-risk end of the board.
- 02Open a CoinEx account and go to Wealth/Earn; pick a flexible stablecoin product.
- 03Treat the rate as a snapshot and check CoinEx's own proof-of-reserves page before trusting it with size.
Should you park money here?
- +Highest stablecoin rates on our board (~13.25% USDT, ~12.43% USDC)
- +Publishes Merkle-tree proof-of-reserves, audited by SlowMist (1:1)
- +Flexible products with a $1 minimum; not our affiliate (no incentive to over-rate it)
- −Grade D — no major-jurisdiction licence and no real insurance fund
- −September 2023 hot-wallet hack of ~$70M (Lazarus Group suspected)
- −BTC/ETH yields above 10% read as promotional, not stable base rates
- −Highest rate on the board = highest risk; size accordingly
Compare CoinEx Earn with others
Asset-by-asset rates and risk grades
Frequently asked questions
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Do you work at CoinEx Earn? The grade above is ours and is not for sale, but the right of reply is. Buy a page and write your own side →