Just be careful with all the centralized offers. Not your keys not your coins. If I am wrong, what platform are you staking USDT with 25% APR? I have only seen such offers on centralized platforms but it is not up to 25% APR and the APR offer is not stable but its percent is changing.
Well in the case USDt even if you have your keys and the coins are in your wallet
you actually do not have them because they can be freezed
so that you can't send them anywhere to anyone then you are fucked anyway.