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Nexo
18 Verified Lending Platforms

Bitcoin Lending

Compare the best BTC lending rates from top lending platforms. Earn competitive APY on your Bitcoin with flexible or fixed-term lending options.

HEXN logo
#1

HEXN

Lending BTC, ETH, USD
BTC APY
15.00%
Lockup
30-365 days
Fees
Yes, for early withdrawls
CoinDepo logo
#2

CoinDepo

Lending BTC, ETH, USD
BTC APY
12.00%
Lockup
None
Fees
None
EarnPark logo
#3

EarnPark

Lending BTC, ETH, USD
BTC APY
7.00%
Lockup
None
Fees
Yes (network fees)
Nexo logo

Nexo

loans BTC, ETH, USD
BTC APY
4.00%
Lockup
None or 1 month
Fees
Limited free withdrawls per month
YouHodler logo

YouHodler

Lending BTC, USD, SOL
BTC APY
4.00%
Lockup
None
Fees
Yes
Nebeus logo

Nebeus

Staking BTC, ETH, USD
BTC APY
3.50%
Lockup
1-4 months
Fees
None
Bitcoin IRA logo

Bitcoin IRA

Staking BTC, ETH, SOL
BTC APY
2.00%
Lockup
None
Fees
Yes
Tuyo logo

Tuyo

Lending BTC, ETH, USD
BTC APY
1.99%
Lockup
Flexible
Fees
None
Bitfinex logo

Bitfinex

Exchange BTC, ETH, SOL
BTC APY
1.98%
Lockup
Flexible
Fees
Yes
Coinmetro logo

Coinmetro

Exchange BTC, ETH
BTC APY
1.80%
Lockup
3, 6, 12, or 24 months
Fees
Yes
Phemex logo

Phemex

Exchange BTC, ETH, USD
BTC APY
1.00%
Lockup
Flexible
Fees
None
CoinRabbit logo

CoinRabbit

loans BTC, ETH, USD
BTC APY
0.30%
Lockup
None
Fees
No
WhiteBIT logo

WhiteBIT

Exchange BTC, ETH, USD
BTC APY
0.23%
Lockup
10-360 days
Fees
None
Crypto.com logo

Crypto.com

Lending BTC, ETH, USD
BTC APY
0.20%
Lockup
None (flexible), 1 month, 3 months
Fees
Yes
Kraken logo

Kraken

Exchange BTC, ETH, USD
BTC APY
0.15%
Lockup
Flexible
Fees
Yes
Bitvavo logo

Bitvavo

Exchange BTC, ETH, SOL
BTC APY
0.05%
Lockup
None
Fees
Varies
Backpack logo

Backpack

Exchange BTC, ETH, SOL
BTC APY
0.03%
Lockup
Unbonding period applies
Fees
None
Krak logo

Krak

Staking BTC, ETH, USD
BTC APY
0.02%
Lockup
None
Fees
None

How Bitcoin Lending Works

1. Deposit BTC

Transfer your Bitcoin to a lending platform.

2. Earn Interest

Borrowers pay interest to access your BTC. You earn APY.

3. Withdraw

Most platforms offer flexible terms. Withdraw your BTC plus earnings depending on terms.

Checklist: How to Choose a BTC Lending Platform

  • Compare BTC Lending Rates Look for the highest APY on Bitcoin lending. Rates vary between platforms and how yield is earned.
  • Check Security & Audits Only use audited platforms with proven track records. Look for insurance coverage on your BTC deposits.
  • Understand Lockup Terms Flexible lending allows instant withdrawals. Fixed-term lending locks your BTC for higher APY but less liquidity.

Frequently Asked Questions About Bitcoin Lending

What is Bitcoin lending?
Bitcoin lending is the process of depositing your BTC into a platform or protocol that lends it to borrowers. In return, you earn interest (APY) on your deposited Bitcoin. This is similar to earning interest in a traditional bank account, but typically with much higher rates.
What are the best BTC lending rates in 2026?
The best BTC lending rates in 2026 vary by platform and market conditions. Top platforms listed above offer competitive APY ranging from 3-12% depending on whether you choose flexible or fixed-term lending. DeFi protocols often offer higher rates but with more complexity, while CeFi platforms provide easier access with slightly lower returns.
Is Bitcoin lending safe?
Bitcoin lending carries risks, including smart contract vulnerabilities (DeFi), platform insolvency (CeFi), and market volatility. To minimize risk: only use audited platforms, diversify across multiple lenders, start with small amounts, and look for platforms with insurance coverage. Never lend more BTC than you can afford to lose.
How do I start lending BTC?
To start lending BTC: 1) Choose a lending platform from the comparison above, 2) Create an account and complete KYC (if required), 3) Transfer your Bitcoin to the platform, 4) Select your lending terms (flexible or fixed), 5) Deposit your BTC and start earning interest automatically. Most platforms compound your earnings daily.

Disclaimer: Bitcoin lending rates are variable and subject to change. APY is not guaranteed. Always do your own research (DYOR) and never lend more than you can afford to lose. Cryptocurrency lending carries significant risks.


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