GUSD (GUSD) Lending Rates
Find the best GUSD lending rates and earn up to 0.01% APY APY. Compare 1 platforms side-by-side.
Updated:
0.01% APY
Highest Rate
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The best GUSD lending rate is 0.01% APY on Gemini.. Compare GUSD lending rates across 1 platforms.
Compare GUSD (GUSD) Lending Rates
| Platform | Action | Max Rate | Base Rate | Min Deposit | Lockup | US Access |
|---|---|---|---|---|---|---|
| Gemini | Go to Platform | 0.01% APY | — | — | — | Check terms |
Platform Safety Information
We evaluate each platform's regulatory status, transparency, and track record.
| Platform | Regulatory Status | Proof of Reserves | Track Record | Insurance |
|---|---|---|---|---|
| Gemini | US (NYDFS, FinCEN) | 2024-12 (Big Four (SOC 2)) | Has issues | Digital asset insurance |
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GUSD Lending Guide
Frequently Asked Questions About GUSD (GUSD) Lending
- What is GUSD and how does it work as a cryptocurrency?
- GUSD, short for Gemini US Dollar, is a stablecoin designed to maintain a 1:1 value with the US dollar. Each GUSD token is backed by a reserve of US dollars held in custody by Gemini Trust Company, LLC, and is regulated and audited to ensure collateral sufficiency. Users typically interact with GUSD to hedge against crypto market volatility, settle trades on exchanges, or enable faster, dollar-pegged transfers across borders. The token can be transferred quickly between wallets and exchanges, offering predictable value and reducing exposure to price swings common with other cryptocurrencies. Technically, GUSD operates on supported blockchains (as applicable to its latest implementation), enabling transparent verification of reserves and on-chain activity via public attestations and audits.
- Is GUSD backed 1:1 by real USD reserves, and how is this verified?
- Yes, GUSD is intended to be backed 1:1 by US dollar reserves. Gemini conducts regular third-party attestations and maintains custody arrangements to ensure each GUSD in circulation is redeemable for one US dollar. Investors should review the latest public attestations or disclosures from Gemini, which typically include details on reserve composition, custody partners, and redemption policies. While on-chain transfers and price stability aid usability, the core assurance is the reserve backing and ongoing transparency through audits. Always verify the most recent audit reports and the issuer’s disclosures before making large transactions or holdings.
- Where can I buy or trade GUSD and what should I consider before purchasing?
- GUSD can be purchased on many major crypto exchanges and traded against fiat-backed pairs. Before buying, consider factors such as liquidity (trading volume and order book depth), the exchange’s security track record, and any fees for deposits, trades, or withdrawals. Also assess the ease of redeeming GUSD for USD directly with the issuer, which can be important if you need to move value back to traditional banking rails. Given its price around 1 USD (as of the latest data), it’s commonly used for hedging, stability during volatile markets, or as a bridge between fiat and crypto. Check the latest price, circulating supply (about 149.79 million), and the max supply (320 million) to understand potential inflation risks, though redemptions generally align with demand for fiat parity.
- What are practical use cases for GUSD in day-to-day crypto activity?
- GUSD serves several practical roles: (1) Stable trading pair: use GUSD to reduce exposure when markets swing and to hedge gains without converting to fiat. (2) Remittances and transfers: send value quickly across borders with near-instant settlement and lower fees than traditional banking. (3) DeFi participation: provide a stable entry for lending, borrowing, or earning yields in DeFi protocols that require or favor dollar-denominated collateral or liquidity. (4) Custody and safety: hold value in a stable asset during market downturns while maintaining a familiar unit of account. Remember that while GUSD price remains near $1, liquidity and redemption options are key features to ensure smooth operations across platforms.
- How does the current market cap and supply affect GUSD’s stability and risk?
- GUSD has a market capitalization around $149.7 million with a circulating supply of about 149.79 million tokens and a max supply of 320 million. A stablecoin’s stability relies more on reserve adequacy and liquidity than on market cap alone. Higher liquidity in the ecosystem reduces slippage when exchanging large amounts, while an adequate reserve backing minimizes risk of depegging. However, investors should watch reserve disclosures, redemption policies, and any changes to custody arrangements. The relatively modest market cap means tail risks could have a larger impact if confidence in the issuer or the reserve health shifts. Regularly review issuer attestations, redemption policies, and platform-wide liquidity metrics to gauge risk.