All Crypto Interest Lending Account Platforms


 

Interest Rates

 

Sign Up Bonus

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

n/a

n/a

n/a

n/a

n/a

n/a

No

Sign up

2021

New York, USA

n/a

Worldwide

n/a

n/a

n/a

n/a

n/a

n/a

No

Earn more free SATS every hour with referral code: MNGA4WAVIBY

Sign up

  • Free BTC with daily mining rewards
  • You can earn yield with a variety of “portfolios” offered in app

2018

Los Angeles, USA

n/a

Worldwide

3%

3%

n/a

3%

n/a

5%

Yes

Earn 10%+ bonus for 90 days with promocode on sign up: SKXCNY5K

Sign up

Monthly

None to 365 days

None

  • Very good rates
  • Wide coin support (including LTC and both USDC and USDT)
  • Best rates require 360 day lockup

2017

Hong Kong

n/a

Worldwide

3.5%

4%

n/a

n/a

n/a

11%

Yes

Sign up

Weekly

None

  • Long established player in the crypto space
  • Competitive interest rates for crypto

2014

London, UK

WXT

Worldwide, excluding NY

n/a

n/a

n/a

n/a

n/a

n/a

Yes

Sign up

12/24 hours

Network fees

  • Dual Investment is innovative, high reward
  • Requires understanding of market dynamics and DeFi
  • Risks of opportunity cost (rising crypto market value) or loss (falling market with stablecoin as input)

2022

n/a

Worldwide

n/a

n/a

7.9%

n/a

n/a

n/a

Yes

Sign up

Network fees

  • Simple, easy to use
  • Coins never leave your control

2021

mSOL

Worldwide

3.1%

3%

3%

n/a

1.8%

5.2%

Yes

Sign up

Daily (must be redeemed)

0-360 days

Yes

  • Competitive interest rates
  • Lockup required for best rates
  • Earnings must be ‘redeemed’

2023

UAE

MXX

Not available in the US

1%

1%

n/a

n/a

n/a

n/a

No

Use referral code: SoDXjaMP for $5 bonus on sign up

Sign up

  • Easy to use
  • Lots of banking features and supported coins
  • $BBANK required for meaningful rates

2018

Gibraltar

BBANK

Worldwide

15%

6%

10%

n/a

4%

20%

Yes

Sign up

Daily

None

Yes (network fees)

  • Good interest rates
  • Wide amount of supported assets
  • Clean UI, easy to use service
  • Interest rates may fluctuate quickly
  • BTC fund may be capped

2017

UK

n/a

Worldwide (services limited in the US)

1%

3%

n/a

n/a

n/a

7%

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)

n/a

3.06%

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

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)

2%

3.96%

n/a

n/a

n/a

5.9%

No

Sign up

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

2020

New York, NY

FCASH

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, excluding US

n/a

n/a

n/a

n/a

n/a

n/a

No

Sign up

No

2021

Signapore

n/a

Global, not available in the US

0.5%

5.8%

n/a

n/a

n/a

12.6%

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

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

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, staking not available in the US

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

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

2.5%

2%

4%

7%

2%

6%

Yes

Sign up

Weekly

None

Yes

  • Good interest rates with compounding interest
  • No lockups
  • Wide coin support
  • Not available in the US
  • No signup bonus

2018

Switzerland, Cyprus

n/a

Not available in the US, Canada

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

n/a

n/a

n/a

n/a

n/a

n/a

Yes

Sign up

Monthly

None

None

2017

Estonia

CLT

Worldwide with a few restrictions due to regulations

n/a

2.9%

5.01%

n/a

n/a

5.1%

No

30 day free trial of Coinbase One, $10 off first paid month

Sign up

Varies

None

Yes

  • Full exchange functionality
  • Popular, highly trusted
  • Publicly traded company

2012

Wilmington, DE

n/a

100+ countries

3%

4%

4%

4%

n/a

9%

Yes

Up to $500 USDC with $50,000 deposit in a 3, 6, or 12-month Fixed Term

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
  • Not available in the US
  • Hard to know exactly the rate you are earning

2017

London, UK

NEXO

Worldwide (excluding US and Canada)

n/a

n/a

n/a

n/a

n/a

n/a

No

Sign up

Monthly

Yes

  • Does not pay interest
  • Limited coin support

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

Non-us


Nexo: Get up to $500