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The apr for USDT is not fixed as your mention but you can instantly unlock it while for #HBD you have to wait for 3.5 days

Yup thats only drawback, that HBD is set to locked for 3.5 days and also you will not get daily profit with HBD saving. But if you stake USDT then you will get daily APR profits

I think USDT pays after every 2 hours