Earn up to 15% APY on your idle USDC

 

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

Yes

Sign up

Monthly on the 1st

6 mo. initial deposit, withdraws available monthly

No

  • Very high returns
  • Easy to use platform
  • Market agnostic yield methods
  • Minimum deposit required ($500 Euro+)
  • 6 month initial deposit term
  • Returns are targets and will vary

2018

Hong Kong

n/a

Worldwide

2.8%

3%

2.25%

n/a

n/a

10%

No

Sign up

Every second

None

No

  • Simple, easy to use app
  • High target rate for stablecoins
  • Interest rate is a target

2021

Signapore

n/a

Global

n/a

n/a

n/a

n/a

n/a

5%

Yes

Sign up

Weekly

  • Full featured savings/banking app
  • No native crypto support (USD only)

2021

New York, NY

n/a

USA only

1.5%

1.5%

n/a

n/a

n/a

4%

No

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

12%

13%

n/a

n/a

n/a

24%

Yes

Sign up

Daily

Yes, time to exit pool

No (network fees charged)

  • Very high target returns
  • Performance varies daily
  • Sizable minimum deposit
  • App and design needs improvement

2019

Sweden

n/a

Worldwide

6.02%

6.03%

n/a

n/a

n/a

13.68%

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

0.9%

5.2%

n/a

n/a

n/a

6.6%

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

3%

3%

n/a

n/a

n/a

6%

Yes

$100 with direct deposit of $250 or more

Sign up

Yes (network fees only)

  • Crypto friendly, traditional banking functionality
  • FDIC insured
  • Debit card with cashback bonuses
  • Rates are modest

2019

India, US, UK

n/a

Worldwide

n/a

8%

7.25%

n/a

n/a

10%

Yes

Sign up

  • Great ETH rates

2018

Estonia

n/a

Worldwide

4%

4.3%

4.5%

n/a

4%

3.9%

Yes

$25 USDC with $1000 deposit

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 competitive
  • Brand new platform

2021

Hong Kong

n/a

Worldwide

1%

1%

n/a

n/a

n/a

3%

Yes

$100 USDC with $2000 deposit, hold 6 months

Sign up

Daily

Yes

  • Clean, easy to use website and app
  • Generous sign up bonus
  • Withdrawal fees: $10 for BTC, $20 for the rest

2022

London, UK

n/a

Not available in US

9.4%

10.6%

n/a

n/a

n/a

14.5%

Yes

Sign up

Daily

None

  • Excellent rates
  • No lockups or tiered rates
  • No sign up bonus/promos
  • Defi rates may change frequently

2018

Switzerland

MIDAS

Worldwide

1%

1%

12%

1%

1%

1%

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%

1.5%

3.5%

n/a

n/a

6%

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

5.5%

5.5%

n/a

n/a

n/a

9%

Yes

$50 USDT new user bonus

Sign up

First of the month

1, 3 and 6 month

Yes

  • Clean, simple, easy to use platform
  • At least 1-month lockup term required
  • Best rates require 6-month lockup + LND token

2018

London, UK

LND

Worldwide

0.1%

0.1%

n/a

n/a

n/a

0.1%

Yes

+2% bonus interest rate for 2 years when using referral code

Sign up

  • Very high interest rates
  • Must purchase and hold FWT tokens on platform relative to your other balances

2020

WY, USA

FWT

USA only

1.75%

2.65%

n/a

2%

n/a

7.5%

Yes

Earn $40 in crypto with $15 deposit

Sign up

Weekly

None

Yes (network fees only)

  • CPRX program could grow in value, but is speculative
  • Available globally
  • Best rates/bonuses require CPRX

2014

Mountain View, CA

n/a

Worldwide

n/a

n/a

n/a

n/a

n/a

n/a

No

10% discount on exchange trading fees

Sign up

  • Full exchange platform
  • Liquid Earn is shutdown and being replaced with Liquid Staking

2018

Tokyo, Japan

n/a

Worldwide

4%

4%

n/a

2.5%

n/a

6.35%

Yes

Deposit $500 and trade $10,000 to earn $50 USDT

Sign up

Every minute

Flexible or subscription (7-365 days)

Yes

  • Wide coin support
  • Great rates for fixed deposits
  • Fixed deposits required for many coins
  • Minimum coin quantity required for flex rates
  • Fees for withdrawals w/ set minimum withdrawal amounts

2019

Hong Kong

n/a

Not available in the US

n/a

n/a

n/a

n/a

n/a

n/a

No

$25 USDT with $100 USDT deposit

Sign up

Monthly, 30 days after accrual

Yes

  • Must trade $150,000 USD in volume per month to earn interest

2019

London, UK

n/a

Not available in USA and others

1.76%

1.49%

n/a

n/a

n/a

2.79%

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

7%

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

10%

No

Sign up

Monthly

None

No

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

2020

Seychelles

n/a

Worldwide

4.8%

3%

4.8%

2.4%

n/a

8.88%

Yes

$20 BTC with $50 deposit (or more with larger deposit)

Sign up

Weekly

None

No

  • Competitive interest rates
  • In-app swaps
  • Best interest rates require ILK token
  • App needs design updates to match new branding

2018

Budapest, Hungary

ILK

Worldwide

0.25%

4%

5%

n/a

n/a

2%

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

3.94%

n/a

n/a

0.78%

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

5%

5%

5%

5%

5%

5%

Yes

Free random coin with $10 deposit, use code: cointerest

Sign up

Hourly

None

Yes for ETH/ERC-20 and small BTC amounts

  • Full featured application
  • Great interest rates for first $10,000 of any coin
  • Any deposits past $10,000 USD should be deposited elsewhere

2014

Berkeley, CA

n/a

Worldwide, exchange services not available in US

2.5%

2.25%

5%

3.5%

7%

6%

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

4.7%

5.5%

7%

7%

3%

10.3%

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

1.5%

2%

n/a

n/a

n/a

7.6%

Yes

Get 0.001 BTC when you deposit and buy 0.02 BTC (use promo code below)

Sign up

First day of each month

7 day withdrawal period

Yes for certain coins

  • Simple and easy to use app
  • Listed interest rates are targets (and may vary)

2013

London, UK

n/a

Not available in the US

5.5%

5.2%

n/a

n/a

n/a

6.6%

Yes

Bonus 0.2% interest rate for life of account

Sign up

Daily

None, or 15 to 365 days

Yes

  • Very high interest rates for BTC and ETH
  • No tiers or caps
  • Significant rate boosts for locking up for 30-365 days (Earn Plus or Earn Explore)
  • Fees for each withdrawal

2019

Signapore

n/a

Worldwide

4%

4%

4%

4%

n/a

12.5%

Yes

$10 USDT with $100 deposit

Sign up

Every Second

None

No

  • Withdraw anytime, no fees, no lock-up
  • High TrustPilot review score
  • Competitive stablecoin rates
  • Certain coins may be capped and not accept new deposits

2018

Redlands, CA

MCT

Worldwide

5.2%

5.2%

5.2%

5.2%

n/a

10.3%

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

3.25%

3.85%

n/a

n/a

0.15%

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

4%

4%

n/a

4%

1%

8%

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
  • Hard to know exactly the rate you are earning
  • New balance limits

2017

London, UK

NEXO

Worldwide, new US users unable to earn interest

n/a

n/a

n/a

n/a

n/a

n/a

Yes

1.25% bonus interest rate

Sign up

Weekly or at end of deposit term

None, 1 month, 6 months

No

  • Excellent stablecoin rates
  • Very good BTC and ETH rates
  • Best rates require 30 day+ deposit

2018

Singapore

n/a

Worldwide

5.25%

n/a

n/a

n/a

n/a

7.5%

Yes

Sign up

Monthly

Yes

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

2018

Ontario, Canada; Wyoming

n/a

Worldwide (new US accounts do not earn interest)

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 high interest rates
  • 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

3.5%

3.5%

n/a

2%

2%

7.5%

Yes

Up to $250 BTC with deposit

Sign up

Monthly

None

Yes

  • Popular, trusted service
  • Interest accounts unavailable for US users
  • Tiered rates for larger holders are low

2017

New Jersey, USA

n/a

Worldwide, new US users unable to earn interest

2.75%

1.26%

4.55%

1.51%

1.01%

5.13%

Yes

Sign up

Must be redeemed

None

Yes (transfer and agent fees)

  • Available in NY state
  • No minimums, no transfer or withdrawal fees
  • BTC and ETH rates are lower than competition

2014

New York, NY

GUSD

All US states and Singapore