Coinbase Earn vs. Otus: savings rates compared
Coinbase USDC rewards pays 3.75% APY. Otus pays 6.00% today. Starting with $25,000 and adding $100 a month, that's $61,003 versus $50,611 after 10 years.
Coinbase Earn
Coinbase USDC rewards
3.75%
APY · checked Oct 22, 2026
Requires Coinbase One, a paid membership.
Otus
Guardian, average of the top 10 vaults
6.00%
APY today · live from our vaults
+2.25 pts vs. Coinbase Earn
What your money would grow to
Added at the end of every month, at your bank and at Otus.
Coinbase Earn in 10 years
Otus in 10 years
more with Otus
Otus
You put in
Extra
- Otus · 6.00%
- Coinbase Earn · 3.75%
- What you put in:
Side by side
| Feature | Coinbase Earn | Otus |
|---|---|---|
| APY | 3.75%Requires Coinbase One, a paid membership. | 6.00%Average of the top 10 Guardian vaults today |
| Account | Coinbase USDC rewards | Otus Guardian: onchain lending vaults, rebalanced automatically |
| FDIC insurance | No | No |
| Rate checked | Oct 22, 2026 · Coinbase Earn's site | Live · Transparency page |
Questions
Does Otus pay more than Coinbase Earn?
Today, yes: 6.00% APY at Otus versus 3.75% at Coinbase Earn. Starting with $25,000 and adding $100 a month, that's about $10,393 more after 10 years if both rates held, and they won't: rates change.
Is Otus a bank?
No. Otus isn't a bank and isn't FDIC-insured. Coinbase USDC rewards isn't FDIC-insured either.
Where does the 6.00% come from?
It's today's average APY across the top 10 Otus Guardian vaults, the same number we publish on our Transparency page. It moves with the vaults.
What does Otus cost?
Otus Guardian is $5/month flat, no percentage of assets. You can start with $10, and there are no lock-ups, no exit fees and no waiting periods. The estimates on this page don't subtract the $5/month.
How current is Coinbase Earn's rate?
We last checked it on Oct 22, 2026. Coinbase Earn can change it at any time, so confirm on their site before you move money.
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Wells Fargo vs. OtusCoinbase Earn's rate was last checked Oct 22, 2026 and may have changed since; see Coinbase Earn's site for today's rate. The Otus rate (6.00%) is today's average APY across the top 10 Otus Guardian vaults, the same number on our Transparency page. Rates vary and aren't guaranteed. Estimates compound monthly, with deposits added at the end of each month, and assume today's rates hold for the whole period, which they won't. They don't subtract the Otus Guardian fee of $5/month. Otus isn't a bank and isn't FDIC-insured.
Try it with just $10
Keep Coinbase Earn for your bills and let a small amount show you the difference.
