USDT Holding Account

The "cash" position on Terafab FX — a stable USDT balance that earns a modest yield while you decide what to invest in next, or while you wait between deposits. No lock-up, no market exposure to the fab itself.

Low Risk
Minimum investment$25
Indicative return4% APY
Payout frequencyDaily accrual, monthly credit
Typical horizonNone — withdraw anytime
LiquidityInstant

What you're actually holding

A USDT balance held on your behalf, separate from any of the fab-linked products, earning a fixed 4% APY that accrues daily and is credited to your balance once a month. This is the account your BTC or USDT deposits land in by default before you choose a product — you can leave funds here indefinitely, or move them into any of the other four products whenever you're ready.

Why the yield exists

Uninvested USDT sitting on the platform is deployed by Terafab FX into short-duration, low-risk instruments; the 4% APY is a fixed pass-through of that yield to you, independent of how construction or any individual product is performing.

Withdrawals

Unlike every other product on the platform, there's no lock-up here. Withdraw to a whitelisted BTC or USDT address at any time — standard 2FA and address-whitelisting security checks still apply.

This account is not FDIC- or SIPC-insured, and it is not a bank deposit — it's a platform-issued yield product. Treat it as the safest option among Terafab FX's products, not as a bank account substitute.

Funding & settlement

Fund in BTC (auto-converted to USDT at the confirmed exchange rate) or USDT directly. Balance and yield are always denominated and paid in USDT.

Open a USDT Holding Account