Stablecoins let you step out of volatility, lock in value in assets like USDC or EURC, and wait for better market conditions.
But “stable” doesn’t have to mean “static”. A lot of people park five, six, or even more figures in stablecoins and earn 0% stablecoin interest while they wait for the next move.
That’s where predictable APR comes in. Instead of leaving USDC or EURC idle, you can earn interest on stablecoins at a fixed rate –for example, 12% APR with Baobab or 9% APR with Bonsai– without touching DeFi, chasing “up to” promos, or meeting loyalty tiers.
Whether you’re a trader sitting in stablecoins after selling at ATH, a freelancer paid in USDC/EURC, or simply tired of 1–2% from banks and fintech apps, this guide shows you how to maximize returns on stablecoins in a clean, transparent way.
The Problem: Idle Stablecoins Don’t Grow
Holding stablecoins is a smart move when you want stability and flexibility. What you don’t get, by default, is growth.
If your stablecoins sit in a wallet or on an exchange with 0–1% stablecoin interest, inflation quietly eats into their real value.
When people start looking for a stablecoin earning program, they usually find a messy landscape:
CeFi competitors (like Nexo or YouHodler)
- Often advertise high stablecoin APR, but:
- Yields depend on loyalty levels
- Best rates require holding or staking platform-native tokens
- You might see “up to” 10–12%, but only get that top rate under strict conditions
- Payouts are locked to the same asset you use in the program (e.g., USDC → USDC, BTC → BTC), meaning you can’t choose a different payout currency
Binance Earn and similar programs
- Flexible and popular, but:
- APRs fluctuate constantly
- Many offers are short-term promos that reset to lower rates
- Hard to plan a long-term stablecoin passive income strategy
DeFi protocols
- Can show eye-catching APYs, yet:
- Involve smart-contract risk
- Require understanding LP tokens, pools, impermanent loss
- Yields are variable and tied to market cycles
Banks and neobanks (including apps like Revolut)
- Convenient, regulated, but:
- “High-yield” accounts often pay ~1–2% interest on euros
- That’s far below inflation in many places
- Not competitive if you’re used to crypto yields
The result is a familiar pain point: Too many conditions. Too many moving parts. Too little transparency.
If you just want a stable, high, and predictable stablecoin interest rate without token lockups or DeFi, most options feel like overkill.
The Solution: Sustainable, Predictable APR on Stablecoins (12% & 9%)
Nebeus Renting is built as a transparent, fixed-rate alternative for people who want their stablecoins to work harder while they wait.
There are two main programs:
🌳 Baobab → 12% APR with a 4-month lock-up
🌿Bonsai → 9% APR with a 1-month lock-up
Both are designed as high-yield stablecoins solutions with:
✅Daily rewards
✅Fixed stablecoin APR
✅Payouts in multiple currencies
✅No DeFi mechanics, no volatility on the earning side
You can earn interest on: USDC (for those looking for USDC interest) or EURC (for users who want to earn interest with EURC as a euro-based saving alternative)
And choose to receive your rewards in:
- EUR
- USD
- USDC
- EURC
So, you can choose to receive your rewards in a different currency, unlike other platforms that force you to earn in the same asset you deposited (e.g., USDC → USDC).
Rewards are generated daily and land directly in your Nebeus Wallet, ready to withdraw, reinvest, or spend – no extra “unlock” steps.
No tiers. No token. No gimmicks.
A big difference vs many other “earn” platforms:
❇️ No loyalty levels
Your stablecoin interest rate does not depend on being “Silver”, “Gold”, or “Diamond”.
❇️ No platform-native token requirements
You don’t have to buy, hold, or stake a proprietary token just to unlock the best stablecoin yield.
❇️ No conditional boosts
Your rate doesn’t change based on trading volume, deposit size, or how often you use the app.
❇️ No “up to” marketing
The APR shown is the APR you earn, for the whole term, as long as the program terms remain unchanged and you meet the lock-up.
It’s CeFi simplicity, targeted at people who want stablecoin income without volatility or technical complexity.
Baobab and Bonsai are Nebeus’ stablecoin renting plans for people who want high, predictable APR without DeFi risk, loyalty tiers, or short-lived promotional rates.
In other words: if you’re looking for the best place to earn interest on EURC safely or where to park stablecoins for a few months, Nebeus Renting is built exactly for that use case.
When Programs Like Baobab & Bonsai Make Sense
Baobab and Bonsai are two versions of the same idea: turning idle stablecoins into a predictable stream of income while you stay out of volatile markets.
They’re especially suited to:
- Users waiting for the next bear market entry point or who have sold at ATH
- People who want their stablecoins to earn while they sit on the sidelines
- Users with savings in banks earning ~2% (even in “high-yield” accounts) who want significantly higher returns
Let’s unpack this in more detail.
1. You’re parked in stablecoins after selling at ATH
“You timed your sell perfectly. Don’t let your stablecoins waste the victory.”
Maybe you sold BTC, ETH, or altcoins into USDC or EURC after a rally. You’re proud of the move, — you went through the volatility, took the risk, and came out ahead — but now that “dry powder” is doing nothing.
Instead of putting your gains back on the line, you can park them in Baobab (12% APR) or Bonsai (9% APR) and let them earn a steady return without price swings –while you also wait for your next bear market or “buy the dip” strategy.
In both cases, you keep your capital in stablecoins and let it grow quietly in the background, instead of exposing it again to day-to-day market volatility.
2. You expect better entry prices and don’t want to rush back in
Not every rally feels sustainable. Sometimes, the smartest move is patience: sit in stablecoins, earn yield, and wait for clearer macro conditions.
With Baobab (4-month lock-up) and Bonsai (1-month lock-up), you can:
- Keep a clear time horizon on your stablecoin passive income strategy
- Know exactly when your principal unlocks again
- Decide whether to roll over, redeploy to crypto, or shift to other Nebeus products
If you’ve ever searched “stablecoin earning strategy for 4 months” or “stablecoin saving alternative to banks”, this structure is made for that timeframe.
3. You’re tired of 1–2% from banks and neobanks
In many European markets, even “high-yield” bank accounts still hover around 1–2% interest. That’s often below inflation.
With Baobab and Bonsai, you can:
- Earn yield on USD and EUROS via stablecoins
- Target 12% or 9% APR instead of 1–2%
- Treat it as a higher-yield parallel to your traditional savings, with different risks and protections
It’s not a bank deposit and it’s not government-guaranteed, but for many users, it’s a compelling satellite strategy alongside traditional accounts.
How Boabab and Bonsai Work — Clear, Simple Mechanics
Before we go step by step, one key concept:
APR vs APY
Baobab and Bonsai use APR (Annual Percentage Rate), which is simple interest, not compounded on-platform.
That means:
- Your interest is calculated on the principal at a fixed annual rate (12% or 9%).
- Rewards are generated daily and added to your wallet.
Step 1 — Get your stablecoins into Nebeus
You start by holding or acquiring stablecoins:
- Deposit USDC or EURC into Nebeus, or
- Buy them directly inside the platform
These stablecoins are the base for your stablecoin interest.
Step 2 — Access Renting and choose your program
Inside Nebeus, go to the Renting Program and choose:
🌳Baobab → 12% APR with a 4-month lock-up
🌿Bonsai → 9% APR with a 1-month lock-up
Think of lock-up as the minimum time the principal is committed. It’s the trade-off for earning high stablecoin yield without leverage or DeFi.
Step 3 — Select your Term (up to 12 months)
Lock-up and Term are related, but not identical:
- Lock-up = minimum period before principal is fully flexible
- Term = how long the program continues in total (can be up to 12 months)
Example:
- You pick Baobab with a 12-month Term
- For the first 4 months, your principal is locked
- After 4 months, lock-up is over, but the program continues according to its rules for the Term you selected
This lets you create anything from a 1-month Bonsai cash-like parking strategy to a 12-month Baobab “stablecoin bond” style position.
Step 4 — Choose your payout currency
You can receive your earned stablecoin interest in:
- EUR
- USD
- USDC
- EURC
That flexibility is powerful:
- Want to build a euro income stream? Choose EUR payouts.
- Want to grow your crypto stack? Choose USDC or EURC rewards and reinvest.
Nebeus lets you pick a different payout currency, while some platforms only pay rewards in the same token you deposit (for example, depositing USDC means you can only earn USDC).
Step 5 — Earn daily, with instant access to rewards
From here, the flow is simple:
- Rewards are generated daily
- They are deposited directly into your Nebeus Wallet
- They are immediately available to:
- Withdraw to your bank or on-chain
- Reinvest into new programs
- Combine with other Nebeus products (like StableLoan, for example, to turn interest into cash when needed)
Your principal follows the lock-up and Term you set. Your rewards are liquid from day one.
Why this structure matters
Because of this design, Baobab and Bonsai avoid many drawbacks of other high-yield offers:
- No promotional APYs that drop after a few weeks
- No loyalty tiers or hidden conditions that change your rate
- No platform-native token holding just to qualify for the advertised APR
- No DeFi exposure, no liquidity pools, no smart-contract dependencies, no impermanent loss
Quite simply:
The APR displayed is exactly the APR earned*, as long as you follow the program’s terms.
*Subject to product availability, your country’s regulatory conditions, and Nebeus’ current terms, which you should always review in the app before committing.
A quick note on tax and withholding
Tax is jurisdiction-dependent, but in many countries, interest and reward income is taxable.
For Nebeus Renting:
- Depending on where you live, some jurisdictions require withholding tax on rewards, often somewhere between 0% and ~19%.
- Any withheld amounts are sent directly to the relevant tax authority.
- Nebeus does not keep or benefit from those taxes.
You should always check with a qualified tax professional in your country to understand how stablecoin interest is treated for you.
Comparison Table — Nebeus Baobab, Nexo, YouHodler, and Revolut
Conclusion — Don’t Let Stablecoins Sit Still
Stablecoins give you something rare in crypto: stability and predictability. But that doesn’t mean they should sit idle.
With 🌳Baobab (12% APR, 4-month lock-up) and 🌿Bonsai (9% APR, 1-month lock-up), you can turn that stability into a clear, predictable yield:
☑️Fixed APR (12% or 9%)
☑️Transparent structure with defined lock-up and Term
☑️Daily rewards paid directly into your Nebeus Wallet
☑️No tiers, no native token, no “up to” marketing
☑️No DeFi complexity or smart-contract exposure
☑️Payouts in EUR, USD, USDC, or EURC
If you’re:
- Waiting for the next bear market entry
- Sitting on profits after selling at ATH
- Or looking for an alternative to Binance Earn for stablecoins and low-yield bank accounts
…Baobab and Bonsai offer a stablecoin earning strategy that matches real-world needs: park your stablecoins, earn 9–12% APR, and stay ready for your next move.
Why keep your stablecoins idle when they could be earning 12% while you wait for the next bear market?
Disclaimer: This article is for informational and educational purposes only. It does not constitute financial, investment, or tax advice, nor an offer or recommendation of any product. Always consult a qualified financial or tax professional before making decisions involving financial products or crypto assets. Product terms and availability may vary depending on your country of residence and regulatory status.
