All Crypto Interest Lending Account Platforms

Haru Invest - Earn up to 12.8%

 

Interest Rates

 

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Additional Info

Favorable/Unfavorable Factors

About

 

BTC

ETH

SOL

LTC

DOGE

Stablecoin

Compounds

Bonus

 

Payouts

Lockups

Withdrawal Fees

Pros

Cons

Founded

HQ/Location

Native Token

Availability

35.1%

9.9%

n/a

n/a

n/a

11.54%

Yes

10% discount on fees, 0.001 BTC bonus with initial 0.1 BTC deposit

Sign up

Weekly (Friday)

1 week

  • Extremely high returns for BTC
  • High risk

2022

n/a

Worldwide

3.4%

3.4%

n/a

n/a

n/a

7.1%

Yes

Sign up

Weekly

None

Yes

  • No lock ups
  • Earn program limited to accredited investors in the US
  • Withdraw fees vary by coin and are relatively high

2021

Utah, United States

SMTF

Worldwide (Earn program available only for accredited investors)

1.46%

2.53%

n/a

n/a

n/a

7.61%

No

Sign up

Weekly

Yes

  • Decentralized exchange and staking services
  • BTC staking is unique
  • BTC and ETH rates are modest
  • Must use LP protocols to earn, which can be confusing for new users

2019

Moscow, Russia

WAVES

Worldwide

n/a

n/a

n/a

n/a

n/a

9%

No

+2% bonus using our referral link

Sign up

None

None

  • Decentralized way to earn from BTC mining without direct exposure to mining costs
  • Relatively new, unproven platform
  • Returns based upon Bitcoin mining and price

2022

Kazakhstan

n/a

Worldwide

n/a

3.93%

n/a

n/a

n/a

n/a

No

Sign up

None

Yes

  • Available in NY state
  • No minimums or gas fees

2014

New York, NY

GUSD

All US states and Singapore

n/a

4%

n/a

n/a

n/a

n/a

Yes

$100 BTC for depositing $1000

Sign up

Daily

None

No gas fees

  • Easy way to stake your ETH
  • Daily payouts
  • No gas fees
  • Wide range in yield return

2017

London, UK

NEXO

Not available in the US, Canada or Australia

n/a

4.6%

n/a

n/a

n/a

n/a

Yes

$30 after $50 deposit

Sign up

Every 12 hours

None

Yes

  • Easy to use staking product
  • APY is net of fees
  • Payouts every 12 hours

2019

Signapore

DFI

Worldwide

n/a

n/a

n/a

n/a

n/a

n/a

No

Sign up

Yes

  • Full exchange services
  • Crypto card lets you spend crypto like cash and via Apple Pay
  • Very limited available to UK and AUS

2013

Melbourne, Australia

n/a

Australia and the United Kingdom (UK)

1.63%

5.48%

n/a

n/a

n/a

4.87%

No

Sign up

  • Fixed rates are predictable
  • Must wrap Bitcoin
  • Best for more technical users

2020

New York, NY

FCASH

Worldwide

0.8%

0.3%

0.75%

n/a

n/a

4.5%

No

$5 bonus

Sign up

  • Flexible deposit terms
  • Rates lower than other exchanges

2019

Singapore

n/a

Worldwide

1%

0.4%

0.4%

0.4%

1%

1%

No

Sign up

10-360 days

  • Incredible rates for most coins if you lockup for 360 days
  • Full exchange services
  • Wide variety of coins
  • Rates vary depending on plan
  • Most coins require 10 day lockup minimum, some require 30 days

2018

Estonia

n/a

Worldwide

0.7%

1.46%

12.7%

2.19%

n/a

4.38%

No

10% discount on fees with code: QBSSSLX4

Sign up

Yes

  • Large, trusted crypto exchange
  • Lending rates vary greatly

2017

Seychelles

n/a

Worldwide

1.98%

1.45%

9.3%

n/a

n/a

4.89%

No

6% discount on fees

Sign up

Weekly

Yes

  • Long running, trust exchange
  • Rates variable upon market

2012

Taiwan

n/a

Worldwide

n/a

4.9%

10%

n/a

n/a

n/a

Yes

$10 when you buy/trade $100 in 30 days

Sign up

Weekly

  • Popular, trusted platform
  • Regulated in the US
  • Limited options compared to international Binance
  • Unstaking takes time before funds are available (like native staking)

2019

CA, USA

n/a

US only

5.13%

n/a

n/a

n/a

n/a

n/a

Yes

$30 after $50 deposit

Sign up

Weekly

None

Yes

  • Good rates
  • Unique protection offering
  • Funds may be capped
  • 24 hours before deposits qualify for returns

2019

Signapore

DFI

Worldwide

n/a

n/a

n/a

n/a

n/a

n/a

No

Sign up

No

  • Simple, easy to use app
  • No longer pays yield

2021

Signapore

n/a

Global, not available in the US

1.5%

1.5%

n/a

n/a

n/a

4%

No

$10 with $200 crypto buy in app

Sign up

Daily

  • No KYC
  • Simple and easy to use
  • Non-custodial
  • Funds my be “deposited” into Savings
  • Limited asset support

2018

Isreal

n/a

Worldwide, limited earn features in the US

28%

37%

n/a

n/a

n/a

30%

Yes

Sign up

Daily

Yes, time to exit pool

No (network fees charged)

  • Very high target returns
  • Type “cir” to view this platform
  • Performance varies daily
  • Sizable minimum deposit
  • App and design could be improved

2019

Sweden

n/a

Worldwide

3.08%

3.51%

4.5%

n/a

n/a

8.42%

No

Use code: DKWCL4 for 1% bonus on your first deposit of $50 or more

Sign up

Daily

None

No

  • Great rates
  • Easy, simple to use app
  • BitGo custodial insurance
  • Tiers/caps are low
  • No web app (smartphone app only)

2021

Signapore

n/a

Worldwide

1.1%

0.9%

n/a

n/a

n/a

5%

Yes

$40 in crypto with $500 deposit, hold 30 days

Sign up

Daily

1 business day to unlock funds

Yes

  • Easy way to engage in defi yield
  • Easy to use platform
  • Bitcoin rates are low

2017

Canada

n/a

Worldwide

n/a

n/a

n/a

n/a

n/a

n/a

No

$10 BTC with first purchase

Sign up

Yes, flat transaction fee

  • Instant buy, instant sell
  • Automated recurring purchases
  • EFT, Credit Card and PayID
  • USD withdrawals are free
  • Uses cold storage in a collaborative multi-signature setup for our custodial wallets
  • Does not currently pay interest on holdings
  • Bitcoin withdrawals incur a flat 0.0003BTC (30,000 sats) transaction fee

2017

Australia

n/a

Australia, majority of USA

n/a

n/a

n/a

n/a

n/a

n/a

Yes

$10 and 1000 JCOIN with deposit of $50 or more

Sign up

Yes (network fees only)

  • Crypto friendly, traditional banking functionality
  • FDIC insured
  • Debit card with cashback bonuses
  • No longer pays interest for crypto

2019

India, US, UK

n/a

Worldwide

n/a

4.3%

4%

n/a

n/a

5.3%

Yes

Sign up

2018

Estonia

n/a

Worldwide

n/a

4.5%

3.5%

n/a

n/a

5%

Yes

$12 USDC with $1000 deposit (see table)

Sign up

Daily

None

Yes (network fees only)

  • No lock up terms
  • No interest rate tiers
  • App design is clean and easy to use
  • Rates are moderate compared to alternatives

2021

Hong Kong

n/a

Worldwide

n/a

2%

n/a

n/a

n/a

1%

Yes

$100 USDC with $2000 deposit, hold 6 months

Sign up

Daily

Yes

  • Clean, easy to use website and app
  • Generous sign up bonus
  • Increased rates with FalconX partnership
  • No longer pays interest on BTC
  • Withdrawal fees: $10 for BTC, $20 for the rest

2022

London, UK

n/a

Not available in US

5%

5%

1%

1%

1%

10%

Yes

Buy $100 in crypto, get $10 in BTC

Sign up

None (flexible) to fixed terms

  • Full exchange services available
  • Easy to start using defi
  • Base interest rates relatively low

2017

Seychelles

n/a

Not available in the US

1.25%

1.25%

3.5%

n/a

n/a

4.5%

Yes

$20 BTC bonus with $200 deposit, hold 30 days

Sign up

Daily

14, 30, 90 days

Yes (network fees only)

  • No KYC required
  • No rate tiering
  • Ability to earn different coin instead of in-kind
  • Better rates require lockup duration (14-90 days)
  • Minimum deposit amounts required

2019

Seychelles

n/a

Worldwide

2.25%

4%

n/a

2%

n/a

10%

Yes

Earn $40 in crypto with $15 deposit

Sign up

Weekly

None

Yes (network fees only)

  • Available globally
  • Fiscally sound and risk-managed platform
  • Abra Boost only available to accredited U.S. investors
  • Best rates/bonuses require CPRX

2014

Mountain View, CA

n/a

Worldwide (US customers not eligible for Boost)

1.47%

1.7%

n/a

n/a

n/a

2.69%

Yes

Earn 10% bonus on interest earned

Sign up

Daily

None or subscribe to longer terms

Yes

  • Full exchange service
  • Supports many coins

2017

Hong Kong

n/a

Worldwide

2.4%

2.4%

n/a

n/a

n/a

6.5%

Yes

20% fee discount for 30 days

Sign up

Varies

None or fixed deposits for 7-90 days

Yes

  • Competitive stablecoin interest rates
  • Full exchange services
  • BTC and ETH rates bested by other platforms

2018

Taiwan

BTSE

Worldwide

n/a

n/a

n/a

n/a

n/a

7%

No

Sign up

Monthly

None

No

  • No KYC
  • Competitive interest rates
  • Focused only on Stablecoins

2020

Seychelles

n/a

Worldwide

1.25%

4%

5%

n/a

n/a

1.6%

No

Sign up

Once or twice a week, depending on coin

Yes

  • Offers on and off-chain staking
  • Off-chain staking not available in all locations (such as US, Japan, UK)
  • Full exchange services
  • Interest rate will vary (Kraken takes a flat 15% from staking rewards)

2011

San Francisco, CA

n/a

Worldwide, US states except NY and WA

n/a

n/a

5.21%

n/a

n/a

2.73%

No

$50 BTC when you buy $100 of crypto

Sign up

No

  • Full exchange services
  • Easy to use defi yield products
  • Limited coins eligible for Earn program
  • Low rates

2013

San Francisco, CA

n/a

Worldwide

n/a

n/a

n/a

n/a

n/a

2.5%

No

Sign up

Monthly on first business day

None

No

  • Easy bank integration
  • Easy to earn interest on USD
  • US only
  • Does not support other cryptocurrencies

2018

San Francisco, CA

n/a

US only

2.05%

2.05%

n/a

2.77%

2.25%

7.4%

Yes

$5 in ZOOM when you buy $100 of crypto

Sign up

Monthly on the seventh day

None

Yes

  • Full featured application
  • 40+ support coins

2018

Salt Lake City, UT

ZOOM

Not available in NY

2%

2%

n/a

n/a

n/a

6%

Yes

Sign up

Monthly

None

Yes

  • Traditional retirement account tax benefits
  • Requires 10,000 minimum

2015

Sherman Oaks, CA

n/a

Worldwide

3.05%

4%

6%

7%

3.04%

8.33%

Yes

Sign up

Weekly

None

Yes

  • Great interest rates with compounding interest
  • Withdrawal anytime
  • Wide coin support
  • Not available in the US
  • No signup bonus

2018

Switzerland, Cyprus

n/a

Not available in the US

n/a

n/a

n/a

n/a

n/a

5%

Yes

$5 bonus with any deposit

Sign up

First day of each month

None

No

  • Very simple process for non-crypto users interested in high interest rates
  • Automatic stablecoin purchase, interest generation
  • No fees or lockups
  • No support for other cryptocurrencies such as bitcoin
  • Cannot send stablecoin directly to account, bank transfers only
  • 5 days before deposits settle and earn interest

2019

NJ, USA

n/a

Worldwide, excluding states: NY, NH, CT, HI, VT, VA, TX

n/a

n/a

n/a

n/a

n/a

n/a

No

Get $25 BTC when you deposit and buy $100 BTC (use promo code below)

Sign up

7 day withdrawal period

Yes for certain coins

  • Simple and easy to use app
  • No longer pays interest as of 2/23

2013

London, UK

n/a

Not available in the US

4.3%

4.2%

n/a

n/a

n/a

6%

Yes

$50 BTC with $500 deposit

Sign up

Daily

None, or 15 to 365 days

Yes

  • Great interest rates
  • No tiers or deposit limits
  • Significant rate boosts for locking up for 15-365 days (via Earn Plus or Earn Explore)
  • Fees for each withdrawal

2019

Signapore

n/a

Worldwide

5%

6%

6%

6%

n/a

8.2%

Yes

Sign up

Monthly

None

None

  • Excellent stablecoin interest rates
  • Very good BTC, ETH interest rates
  • No fees and no lockup periods
  • Best rates require CLT token

2017

Estonia

CLT

Worldwide with a few restrictions due to regulations

n/a

4.26%

2.4%

n/a

n/a

1.5%

No

$10 BTC when you buy or sell $100 of cryptocurrency

Sign up

Monthly

None

Yes

  • Full exchange functionality
  • Popular, highly trusted
  • Publicly traded company
  • Relatively low rates compared to other Coinbase alternatives
  • Only a few supported assets
  • ETH locked up until proof of stake launch

2012

Wilmington, DE

n/a

100+ countries

n/a

n/a

n/a

n/a

n/a

n/a

No

$10 for using referral code below

Sign up

None

  • Way to earn money each day
  • Removed interest accounts from platform
  • Social focus feels unnecessary

2017

Santa Monica, CA

n/a

Worldwide

5%

8%

6%

6%

1%

10%

Yes

$100 BTC for depositing $1000

Sign up

Daily

None or 1 month

Limited free withdrawls per month

  • Fair rates for all coins deposited
  • Popular platform
  • 1-5 free withdrawal per month depending on loyalty tier
  • Exiting US market due to unclear regulation
  • Hard to know exactly the rate you are earning
  • New balance limits

2017

London, UK

NEXO

Worldwide, exiting the US market

5%

n/a

n/a

n/a

n/a

8%

Yes

Sign up

Monthly

Yes

  • Competitive stablecoin rates
  • Limited coin support
  • Tiered interest rates

2018

Ontario, Canada; Wyoming

n/a

Worldwide, excluding US and Canada

0.2%

0.2%

0.25%

0.1%

n/a

0.4%

No

$25 after reserving credit card (requires CRO purchase). Use referral code: hmbqqfpsej

Sign up

Weekly

None (flexible), 1 month, 3 months

Yes

  • Deposit minimums required to earn interest
  • Tiers are confusing
  • Does not compound
  • Requires CRO to unlock best rates

2016

Hong Kong

CRO

Worldwide, all US states except NY

2.5%

2.5%

n/a

n/a

n/a

6.5%

Yes

$30 after $50 deposit

Sign up

Weekly

None

Yes

  • Broad array of defi-like products and yield opportunities
  • Fully owned by both co-founders
  • Products are more complex or require more lockup time than other platforms

2019

Singapore

DFI

Not available in NY and some countries


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