Tether Earns Over $10 Billion in 2025, Surpassing Big Banks

Ben Graham · Novembro 1

Tether has revealed that its profit for the first three quarters of 2025 has passed the $10 billion mark. That number puts it ahead of some of the world’s biggest banks when looking at the same stretch of time.

Treasury Bills Are Doing the Heavy Lifting

The massive revenue comes mainly from the $135 billion in U.S. Treasury bills that Tether holds in its reserves. These reserves back every USDT token in circulation, and when interest rates on Treasuries climb, so does Tether’s profit.

Tether reported $10 billion in profits since the beginning of the year and record investments in US government debt
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The company benefits from simply holding onto these government-backed assets.

Outearning the Traditional Giants

To get a sense of how big this is, Bank of America earned less than Tether during the same period. Even Goldman Sachs and Morgan Stanley, who each made around $12 billion so far this year, are barely ahead. That puts Tether right in the mix with some of the top names in global finance.

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A Massive War Chest and Even More USDT

Tether’s $135 billion in Treasury holdings makes it one of the largest non-government holders of U.S. debt. The company is also sitting on over $6.8 billion in surplus reserves. During Q3 alone, it issued over $17 billion in new USDT, bringing the total supply to more than $174 billion.

These numbers show just how fast the company is growing while still holding onto an enormous safety net.

The Stablecoin World Is Not So Small Anymore

The scale of Tether’s operation makes it clear that stablecoins are no longer a side note in finance. A business built entirely around digital dollars is now making more than the institutions that have been around for generations. That comparison puts the spotlight on where the financial world might be heading.

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What’s Coming Around the Corner

With these kinds of profits and reserves, Tether is likely to attract more attention from regulators and traditional financial players. Its influence in the stablecoin market continues to grow, and with that comes questions about oversight, risk management, and how it fits into the wider system. The next few months may bring more clarity on those issues, especially as the stablecoin space expands.

A Wake-Up Call for Traditional Finance

Tether’s latest numbers send a clear message. Companies that operate entirely within the digital finance space are no longer just catching up; they are competing head-to-head with legacy banks. The fact that one of crypto’s biggest names is now earning more than some of Wall Street’s giants marks a turning point that both industries will have to reckon with.

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Key Takeaways

Tether reported over $10 billion in profit for the first three quarters of 2025, surpassing many of the world’s largest banks.
The company’s massive earnings come mainly from its $135 billion in U.S. Treasury bill holdings, which generate strong returns as interest rates rise.
Tether now ranks among the largest non-government holders of U.S. debt and has over $6.8 billion in surplus reserves for added stability.
During Q3 2025, Tether issued more than $17 billion in new USDT, pushing its total supply past $174 billion and showing strong market demand.
These results highlight how stablecoins like USDT are now competing directly with traditional finance, drawing greater attention from regulators worldwide.

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