现在在我们记录的交易所借款要花多少钱？
USDT 最低借贷年化利率为 OKX 的 3.50%，覆盖 3 家借贷利率交易所的 15 种资产。
永续资金费率只是杠杆成本的一半；另一半是交易所对借入资产或稳定币收取的利息。我们每小时记录各交易所公布的借贷利率并年化，再与该交易所自己的资金费率对照，让基差交易的套利空间按交易所可见。
借贷利率 · 每小时 · 自有记录器REC
3.50%
USDT · OKX · 2026-10-19 13:25 UTC · since 2026-09-02交易所
3
已记录借贷利率
资产
15
跟踪的可借资产
读数
40,946
记录开始以来的小时行
01
最新借贷利率
按交易所自己的周期年化（Binance 公布日利率，OKX 公布年利率）。可按交易所或资产筛选并导出。
| ADA | Binance | 3.98% | 0.0109% / 1d | 2026-10-19 11:00 |
| ADA | Bybit | 5.97% | 0.0007% / 1h | 2026-10-19 13:00 |
| ADA | OKX | 1.00% | 1.0000% / 365d | 2026-10-19 13:00 |
| AVAX | Binance | 2.41% | 0.0066% / 1d | 2026-10-19 12:00 |
| AVAX | Bybit | 3.61% | 0.0004% / 1h | 2026-10-19 13:00 |
| AVAX | OKX | 9.40% | 9.4000% / 365d | 2026-10-19 13:00 |
| BNB | Binance | 2.93% | 0.0080% / 1d | 2026-10-19 03:00 |
| BNB | Bybit | 4.40% | 0.0005% / 1h | 2026-10-19 13:00 |
| BNB | OKX | 1.00% | 1.0000% / 365d | 2026-10-19 13:00 |
| BTC | Binance | 0.43% | 0.0012% / 1d | 2026-10-19 00:00 |
| BTC | Bybit | 0.43% | 0.0000% / 1h | 2026-10-19 13:00 |
| BTC | OKX | 0.50% | 0.5000% / 365d | 2026-10-19 13:00 |
| DOGE | Binance | 3.58% | 0.0098% / 1d | 2026-10-19 13:00 |
| DOGE | Bybit | 5.30% | 0.0006% / 1h | 2026-10-19 13:00 |
| DOGE | OKX | 1.00% | 1.0000% / 365d | 2026-10-19 13:00 |
| DOT | Binance | 1.33% | 0.0037% / 1d | 2026-10-19 13:00 |
| DOT | Bybit | 2.04% | 0.0002% / 1h | 2026-10-19 13:00 |
| DOT | OKX | 1.00% | 1.0000% / 365d | 2026-10-19 13:00 |
| ETH | Binance | 2.05% | 0.0056% / 1d | 2026-10-19 08:00 |
| ETH | Bybit | 1.65% | 0.0002% / 1h | 2026-10-19 13:00 |
| ETH | OKX | 1.00% | 1.0000% / 365d | 2026-10-19 13:00 |
| LINK | Binance | 0.57% | 0.0016% / 1d | 2026-10-19 12:00 |
| LINK | Bybit | 0.85% | 0.0001% / 1h | 2026-10-19 13:00 |
| LINK | OKX | 1.00% | 1.0000% / 365d | 2026-10-19 13:00 |
| LTC | Binance | 2.84% | 0.0078% / 1d | 2026-10-19 13:00 |
| LTC | Bybit | 4.14% | 0.0005% / 1h | 2026-10-19 13:00 |
| LTC | OKX | 1.00% | 1.0000% / 365d | 2026-10-19 13:00 |
| SOL | Binance | 5.65% | 0.0155% / 1d | 2026-10-19 13:00 |
| SOL | Bybit | 4.44% | 0.0005% / 1h | 2026-10-19 13:00 |
| SOL | OKX | 4.00% | 4.0000% / 365d | 2026-10-19 13:00 |
| SUI | Binance | 1.51% | 0.0041% / 1d | 2026-10-19 13:00 |
| SUI | Bybit | 1.59% | 0.0002% / 1h | 2026-10-19 13:00 |
| SUI | OKX | 1.00% | 1.0000% / 365d | 2026-10-19 13:00 |
| TRX | Binance | 10.22% | 0.0280% / 1d | 2026-10-19 13:00 |
| TRX | Bybit | 15.81% | 0.0018% / 1h | 2026-10-19 13:00 |
| TRX | OKX | 11.50% | 11.5000% / 365d | 2026-10-19 13:00 |
| USDC | Binance | 5.15% | 0.0141% / 1d | 2026-10-19 09:00 |
| USDC | Bybit | 3.93% | 0.0004% / 1h | 2026-10-19 13:00 |
| USDC | OKX | 3.50% | 3.5000% / 365d | 2026-10-19 13:00 |
| USDT | Binance | 4.82% | 0.0132% / 1d | 2026-10-19 08:00 |
| USDT | Bybit | 3.92% | 0.0004% / 1h | 2026-10-19 13:00 |
| USDT | OKX | 3.50% | 3.5000% / 365d | 2026-10-19 13:00 |
| XRP | Binance | 3.63% | 0.0099% / 1d | 2026-10-19 12:00 |
| XRP | Bybit | 4.36% | 0.0005% / 1h | 2026-10-19 13:00 |
| XRP | OKX | 1.00% | 1.0000% / 365d | 2026-10-19 13:00 |
02
BTCUSDT：价格下方的借贷利率与资金费率
各交易所每小时年化利率。稳定币借贷成本飙升通常意味着多头基差交易拥挤。 访客在图表上可见 30 天历史；会员可见一整年。
正在加载记录序列
借贷利率（年化）: Hourly margin borrow rate, OKX, own venue recorder资金费率: 8h funding prints
03
各交易所资金费率减借贷
该交易所最新 8 小时永续资金费率年化（每日三次）减去同一资产的借贷年化。正值表示以借入现货对冲的空头永续赚得比付出多。
| 资产 | 交易所 | 借贷年化 | 资金费率年化 | 套利空间 |
|---|---|---|---|---|
| BTC | OKX | 0.50% | 10.95% | +10.45% |
| BNB | OKX | 1.00% | 10.95% | +9.95% |
| SUI | OKX | 1.00% | 10.95% | +9.95% |
| SUI | Binance | 1.51% | 10.95% | +9.44% |
| LINK | OKX | 1.00% | 9.32% | +8.32% |
| BTC | Binance | 0.43% | 7.63% | +7.21% |
| BTC | Bybit | 0.43% | 7.44% | +7.01% |
| SOL | OKX | 4.00% | 10.86% | +6.86% |
| BNB | Bybit | 4.40% | 10.95% | +6.55% |
| ETH | Binance | 2.05% | 8.15% | +6.10% |
| ETH | OKX | 1.00% | 6.89% | +5.89% |
| LINK | Binance | 0.57% | 5.15% | +4.58% |
| SUI | Bybit | 1.59% | 5.37% | +3.78% |
| AVAX | Binance | 2.41% | 5.45% | +3.04% |
| DOT | Bybit | 2.04% | 4.79% | +2.75% |
| SOL | Binance | 5.65% | 7.10% | +1.45% |
| BNB | Binance | 2.93% | 4.36% | +1.43% |
| ETH | Bybit | 1.65% | 2.90% | +1.25% |
| DOGE | OKX | 1.00% | 2.12% | +1.12% |
| AVAX | Bybit | 3.61% | 3.91% | +0.30% |
| LTC | Bybit | 4.14% | 3.84% | -0.29% |
| XRP | OKX | 1.00% | 0.69% | -0.31% |
| AVAX | OKX | 9.40% | 8.93% | -0.47% |
| DOGE | Binance | 3.58% | 2.70% | -0.88% |
| LTC | OKX | 1.00% | -0.31% | -1.31% |
| DOT | OKX | 1.00% | -0.68% | -1.68% |
| LTC | Binance | 2.84% | -0.61% | -3.44% |
| XRP | Binance | 3.63% | -0.76% | -4.39% |
| LINK | Bybit | 0.85% | -3.55% | -4.40% |
| ADA | OKX | 1.00% | -4.58% | -5.58% |
| TRX | Binance | 10.22% | 3.98% | -6.24% |
| DOGE | Bybit | 5.30% | -1.17% | -6.47% |
| SOL | Bybit | 4.44% | -3.36% | -7.81% |
| XRP | Bybit | 4.36% | -5.29% | -9.65% |
| TRX | Bybit | 15.81% | 4.96% | -10.85% |
| TRX | OKX | 11.50% | 0.33% | -11.17% |
| DOT | Binance | 1.33% | -14.05% | -15.38% |
| ADA | Binance | 3.98% | -14.04% | -18.03% |
| ADA | Bybit | 5.97% | -15.54% | -21.51% |
04
如何记录
采集器每小时读取各交易所跟踪资产的借贷利率历史接口，并按（交易所、资产、时间）追加新读数。利率按公布值存储并附年化值；按周期换算后超过 500% 的年化视为已年化，OKX 即如此公布。
仅在需认证接口后公布借贷利率的交易所在配置只读密钥后加入（Binance 自 2026 年 9 月 4 日起）。各交易所覆盖范围见数据来源页面。
为什么同一资产在某个交易所借款更贵？
借贷池是各交易所独立的：当某交易所的稳定币池被杠杆多头借空时，其利率上升而另一交易所保持平稳。这个差价正是同一基差交易在不同交易所收益不同的原因。
年化利率就是我要付的吗？
这是基础档利率的简单年化，不含复利；VIP 等级和代币折扣会降低它，按小时计息会略有复利。用它来比较交易所和观察趋势，而不是当作账单。
可以获取数据吗？
可以。公开 JSON 接口返回最新表格与序列，数据集提供小时行，序列 API 将借贷作为 SuperChart 面板提供。
来源：ByKaranteli，https://bykaranteli.com/zh/borrow，数据截至 2026-10-19 13:25 UTC