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LUNA 
USDG OKX推出稳定币储蓄应用“OKX Money”，部分区域用户可享高达10%年化收益
加密货币交易所OKX已在拉丁美洲、非洲、南亚及中东的部分地区推出了名为“OKX Money”的稳定币储蓄与支付应用。该应用允许符合条件的客户获得高达10%的年化收益率（APY）。
支持多币种充值，资金自动转换为美元挂钩稳定币
据向媒体披露的信息显示，用户可以通过超过50种支持的货币为账户充值。所有存款将自动转换为以美元为锚定的稳定币。用户可持有USDG、USDC或USDT，并通过虚拟卡或实体卡进行资金发送和消费。
对于符合资格的客户，其持有的USDG余额在无需质押或锁仓的情况下，即可获得高达10%的年化收益率。
按市场逐步推进，具体合规框架因地而异
交易所发言人表示，“OKX Money”正按照当地要求，逐个市场逐步推出。由于不同司法管辖区的法律实体和监管框架存在差异，具体的初始启动市场尚未公开披露。
此前，OKX于2025年7月加入了Paxos的全球美元网络（Global Dollar Network），使其用户能够使用USDG进行交易和转账。
稳定币应用场景扩展：跨境流动大幅增长
The application of stablecoins has gradually exceeded the scope of cryptocurrency transactions. According to Chainalysis data, in the past 12 months ending June 2026, cross-border stablecoin flows increased by 77.5% to US$220.3 billion. The report points out that trade settlement, remittances and savings are its main use cases.
The source of high returns has not been disclosed, emphasizing asset reserve endorsements
The spokesperson declined to give specific details on how to fund the 10% return. However, the spokesperson added: "Customers can strive for higher levels of income by meeting the 30-day average deposit threshold, spending amounts exceeding 30 days, or obtaining a higher level of exchange VIP status."
It is worth noting that early stablecoin income products such as Anchor Protocol provided TerraUSD (UST) returns of up to 20%, but UST is an algorithmic stablecoin whose dollar pegging relies on conversion to the associated LUNA token. In May 2022, UST lost its pegging mechanism, and both tokens subsequently collapsed.
In contrast, according to the issuer's statement, USDG, USDC, and USDT are all fully backed by asset reserves. The latest stablecoin reward programs are typically achieved by sharing reserve income or loyalty rewards provided by exchanges. For example, Paxos's global U.S. dollar network distributes the proceeds generated by USDG reserves to partners. These reserves include U.S. Treasuries, money-market funds and cash.
Global regulation is becoming stricter: Many countries restrict interest payments on stablecoins
In the United States, the GENIUS Act prohibits issuers of payment stablecoins from paying interest or earnings; banking groups are also pushing for restrictions on incentives paid on exchanges. In the European Union, the Cryptocurrency Asset Markets Regulation (MiCA) explicitly prohibits issuers and crypto service providers from awarding interest on single-currency stablecoins.
