In the stable yet opportunity-rich crypto landscape of September 2025, yield-bearing stablecoins offer a reliable path to passive income, allowing investors to earn 4–6% APY through staking or lending on platforms like Coinbase and Aave. With stablecoins reaching a $150 billion market cap, new regulations like the GENIUS Act make them accessible for retail investors, while ETF inflows of $14.4 billion YTD enhance stability. Yield-bearing options like BlackRock’s BUIDL provide automated dividends, minimizing volatility risks. From OrionChain24, a leading analytics platform specializing in yield metrics and AI signals, we explore this passive strategy, its drivers, and a simple yield calculator for beginners. Data as of September 16, 2025—position for steady, low-risk returns.
OrionChain24 offers real-time yield dashboards and AI alerts; sign up for our demo to calculate and optimize passive income.
Yield-Bearing Stablecoins: 4–6% APY on USDC and Tether
USDC and USDT dominate with $150 billion market cap, offering 4–6% APY on Aave (lending) or Coinbase staking. BlackRock’s BUIDL, a tokenized treasury fund, yields 5.2% automatically, redeemable in USDC, backed by short-term U.S. Treasuries. The GENIUS Act’s compliance framework has boosted retail access, with $14.4 billion ETF inflows YTD stabilizing prices.
On-chain: Stablecoin TVL $150 billion, transactions +25%—OrionChain24 AI detects 71% bullish sentiment, correlating 0.7 with BTC for low-volatility yields.
Why Fresh: $150B Market and GENIUS Act Accessibility
Stablecoins’ $150 billion cap grew 12% YTD, with GENIUS Act enabling retail hedging amid FOMC cuts (93% chance of 25 bps). ETF inflows ($14.4B) reduce de-peg risks, making yield-bearing options like BUIDL ideal for beginners, offering automated dividends without daily management.
Passive Income Strategy: Staking and Lending with Risk Mitigation
- Staking on Coinbase: Lock USDT for 4.5% APY, minimum $10, with 30-day withdrawal.
- Lending on Aave: Supply USDC for 5–6% APY, overcollateralized loans minimize liquidation risks.
- BUIDL for Automation: 5.2% yield on tokenized treasuries, no staking lockup, redeemable anytime.
- Risk Management: Diversify 20–30% portfolio, hedge with BTC at volatility >5%; use stop-limits on yields <3%.
OrionChain24 forecasts 5–7% annual returns for passive holders, with $300 billion stablecoin cap by year-end.
Yield Calculator Table
| Stablecon | Platform | APY (%) | Minimum | Risk Level |
| USDT | Aave | 5.0 | $100 | Low |
| USDC | Coinbase | 4.5 | $10 | Low |
| BUIDL | BlackRock | 5.2 | $1,000 | Very Low |
Trading Signals: RSI and MACD for Stablecoin Proxies
OrionChain24 analyzes USDC/USDT pairs using RSI for momentum and MACD for trends:
- USDC ($1.00): RSI at 50 (neutral). Bullish MACD (+0.12)—target $1.005 (0.5% yield). Fibonacci support $0.999, resistance $1.002. On-chain: Inflows +25%.
Overall: RSI 50 signals stability—stake at supports for 4–6% annual gains. Risks: De-pegs (2–3% dip); hedge with BTC.
How OrionChain24 Helps Clients Profit from Yield-Bearing Stablecoins
OrionChain24 empowers clients to capitalize on passive income through:
- AI Alerts: Real-time notifications on APY >5% (e.g., USDC at 4.5%) and MACD crossovers, targeting 4–6% yields.
- On-Chain Tracking: Monitor $150B TVL and whale activity (+15%), spotting staking opportunities.
- Portfolio Rebalancing: Allocate 20–30% to stablecoins, hedge at RSI >70—our AI aims for 5–7% annual returns.
- Educational Resources: Webinars on staking mechanics and demo accounts for simulated yields.
Conclusion: Earn Passive with OrionChain24
Yield-bearing stablecoins ($150B market) offer 4–6% APY in 2025, with GENIUS Act boosting accessibility. OrionChain24 turns stability into profits.
Ready for passive? Join OrionChain24 for alerts and demo access. Which stablecoin yield excites you? Comment below!
