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See examples: Blockfi vs Nexo, Celsius Network vs Crypto.com, Haru vs Hodlnaut

Compounds No
Bitcoin 2%
Ethereum 2.7%
Litecoin n/a
Doge n/a
Stablecoin 6%
Withdrawal Fees Yes
Payouts Monthly
Lockup Terms None
Max Rate Conditions
Native Token n/a
Founded 2015
HQ Sherman Oaks, CA
Availability Worldwide
Pros
  • Traditional retirement account tax benefits
Cons
  • Requires 10,000 minimum
Bonus/Promo

Sign up
Compounds No
Bitcoin 2.3%
Ethereum 2.6%
Litecoin n/a
Doge 2.5%
Stablecoin 8.8%
Withdrawal Fees Yes
Payouts
Lockup Terms Varies
Max Rate Conditions
Native Token BTR
Founded 2018
HQ Singapore
Availability Not available in US or China
Pros
  • Wide variety of supported coins
Cons
  • Deposits may be capped
  • Lockup period varies by coin
Bonus/Promo 25% commission discount, chance to win 60,000 XRP

Sign up
Compounds Yes
Bitcoin 0.1% - 4.5%
Ethereum 0.25% - 5%
Litecoin 0.1% - 4.75%
Doge n/a
Stablecoin 5% - 8%
Withdrawal Fees Yes
Payouts Monthly
Lockup Terms None
Max Rate Conditions

Tiered interest rates for quantity of coins.

Native Token n/a
Founded 2017
HQ New Jersey, USA
Availability Not available in NY, KY or any country unsanctioned by the U.S., the U.K. or EU
Pros
  • Popular, trusted service
Cons
  • Tiered rates for larger holders are low
Bonus/Promo $10 after $100 deposit

Sign up
Compounds Yes
Bitcoin 5% - 6%
Ethereum 5% - 6%
Litecoin n/a
Doge n/a
Stablecoin 7%
Withdrawal Fees Yes
Payouts Weekly
Lockup Terms None
Max Rate Conditions

Terms vary upon product. Read expected returns/terms.

Native Token DFI
Founded 2019
HQ Signapore
Availability Not available in New York or Balkans, Bangladesh, Belarus, Burundi, Central African Republic, Cuba, Democratic People’s Republic of Korea, Democratic Republic of Congo, Ghana, India, Iran, Iraq, Lebanon, Libya, Mali, Nicaragua, Pakistan, Somalia, Sri Lanka, Sudan, South Sudan, Syria, Ukraine, Russia, Venezuela, Vietnam, Yemen, Zimbabwe
Pros
  • Broad array of DeFi-like products and high interest rates
  • Fully owned by both co-founders
Cons
  • Products are more complex or require more lockup time than other platforms
Bonus/Promo $30 after $50 deposit

Sign up
Compounds Yes
Bitcoin 3.51% - 6.2%
Ethereum 5.05% - 5.35%
Litecoin 4.08%
Doge n/a
Stablecoin 8.88%
Withdrawal Fees None
Payouts Monday
Lockup Terms None
Max Rate Conditions

Tiered rates: First BTC earns max rate, remainder earn at base rate. First 100 ETH earns max rate, remainder earn at base rate.

Additional bonus rates are available by loyalty tiers (holding % of CEL coin relative to account total) and by earning in CEL (not available in the US).

Native Token CEL
Founded 2017
HQ NJ, USA
Availability All countries which the United States, the United Kingdom or the European Union does not impose financial sanctions or embargoes.
Pros
  • No fees (for withdrawals)
  • No lockup periods or withdrawal limits
  • Generous promos and referral bonuses
Cons
  • Only one whitelisted withdrawal address per coin (24 hours need to change address)
  • Buying on platform isn’t cost effective (use an exchange instead)
  • No in-app swaps (yet)
  • App requires frequent re-logging in
Bonus/Promo $50 BTC with $400 deposit. Hold 30 days. Use our custom promo code: CIR

Sign up
Compounds No
Bitcoin n/a
Ethereum n/a
Litecoin n/a
Doge n/a
Stablecoin n/a
Withdrawal Fees Yes
Payouts Monthly
Lockup Terms None
Max Rate Conditions
Native Token n/a
Founded 2012
HQ Wilmington, DE
Availability 100+ countries
Pros
  • Full exchange functionality
Cons
  • Only supports interest on USDC
Bonus/Promo $10 BTC when you buy or sell $100 of cryptocurrency

Sign up
Compounds Yes
Bitcoin 4%
Ethereum 4%
Litecoin n/a
Doge n/a
Stablecoin 8%
Withdrawal Fees None
Payouts Weekly
Lockup Terms
Max Rate Conditions
Native Token n/a
Founded 2017
HQ Santa Monica, CA
Availability Worldwide
Pros
  • Way to earn money each day
Cons
  • Social focus feels unnecessary
Bonus/Promo $10 for using referral code below

Sign up
Compounds Yes
Bitcoin 5.2% - 7.2%
Ethereum 5.2% - 7.2%
Litecoin 5.2% - 7.2%
Doge n/a
Stablecoin 10.3% - 12.3%
Withdrawal Fees None for deposit or withdrawal
Payouts Monthly
Lockup Terms None
Max Rate Conditions

2500 CLT Staked

Native Token CLT
Founded 2017
HQ Estonia
Availability Worldwide with small restrictions due to regulations
Pros
  • Excellent stablecoin interest rates
  • Very good BTC, ETH interest rates
  • No fees and no lockup periods
Cons
  • Best rates require CLT token
Bonus/Promo 25% referral sharing lifelong bonus

Sign up
Compounds No
Bitcoin n/a
Ethereum n/a
Litecoin n/a
Doge n/a
Stablecoin 8%
Withdrawal Fees None
Payouts Monthly
Lockup Terms None
Max Rate Conditions
Native Token n/a
Founded 2020
HQ Seychelles
Availability Worldwide
Pros
  • No KYC
  • Competitive interest rates
Cons
  • Focused only on Stablecoins
Bonus/Promo

Sign up
Compounds Yes
Bitcoin 2.5%
Ethereum 2.25%
Litecoin 3.5%
Doge 7%
Stablecoin 8%
Withdrawal Fees Yes
Payouts Monthly on the seventh day
Lockup Terms None
Max Rate Conditions
Native Token ZOOM
Founded 2018
HQ Salt Lake City, UT
Availability Not available in NY
Pros
  • Full featured application
  • 40+ support coins
Cons
Bonus/Promo $10 in ZOOM for single trade of $100 USD and hold balance of $100 USD

Sign up
Compounds No
Bitcoin 1.5% - 8.5%
Ethereum 3.5% - 8.5%
Litecoin 0.5% - 5%
Doge 0.5% - 5%
Stablecoin 6% - 14%
Withdrawal Fees Yes
Payouts Weekly
Lockup Terms None (flexible), 1 month, 3 months
Max Rate Conditions

3 month lockup, stake $40,000 in CRO. Lower tiers are available.

Native Token CRO
Founded 2016
HQ Hong Kong
Availability All states but New York and 100+ markets
Pros
  • Very popular, established service
  • Credit card program with unique perks
Cons
  • Requires deposits into Crypto Earn funds before interest is earned
  • Deposit minimums required for interest
  • Does not compound
  • Requires CRO to unlock better rates
Bonus/Promo $25 after reserving credit card (requires CRO purchase). Use referral code: hmbqqfpsej

Sign up
Compounds No
Bitcoin n/a
Ethereum n/a
Litecoin n/a
Doge n/a
Stablecoin 2.5% - 5%
Withdrawal Fees None
Payouts Monthly on first business day
Lockup Terms None
Max Rate Conditions

Earn .5% more interest for each referred user

Native Token n/a
Founded 2018
HQ San Francisco, CA
Availability US only
Pros
  • Easy bank integration
  • Easy to earn interest on USD
Cons
  • US only
  • Does not support other cryptocurrencies
Bonus/Promo

Sign up
Compounds Yes
Bitcoin 5% - 8%
Ethereum 5% - 8%
Litecoin 5% - 8%
Doge 5% - 8%
Stablecoin 5% - 8%
Withdrawal Fees Yes for ETH/ERC-20 and small BTC amounts
Payouts Hourly
Lockup Terms None
Max Rate Conditions

All funds up to $10,000 earn max rate.

Native Token n/a
Founded 2014
HQ Berkeley, CA
Availability Worldwide, exchange services not available in US
Pros
  • Full featured application
  • Great interest rates for first $10,000 of any coin
Cons
Bonus/Promo Free random coin with $10 deposit

Sign up
Compounds Yes
Bitcoin 1.49%
Ethereum 2.05%
Litecoin 2.77%
Doge 5.03%
Stablecoin 7.4%
Withdrawal Fees Yes (transfer and agent fees)
Payouts Must be redeemed
Lockup Terms None
Max Rate Conditions
Native Token GUSD
Founded 2014
HQ New York, NY
Availability All U.S. states and Singapore
Pros
  • Available in NY state
  • No minimums, no transfer or withdrawal fees
  • Supports DOGE
Cons
  • BTC and ETH rates are lower than competition
Bonus/Promo $10 after $100 trade

Sign up
Compounds Yes
Bitcoin 6.1% - 15.2%
Ethereum 6% - 14.7%
Litecoin n/a
Doge n/a
Stablecoin 7.7% - 15%
Withdrawal Fees Yes
Payouts Daily
Lockup Terms None, or customized between 15 to 365 days (for Haru Earn Plus)
Max Rate Conditions

Lockup for 365 days for max rate (reduced lockup terms are available for reduced rates)

Native Token n/a
Founded 2019
HQ Signapore
Availability Worldwide
Pros
  • Top interest rates for BTC and ETH
  • Significant rate boosts for locking up for 30-365 days (Haru Interest Plus)
Cons
  • Newer platform
  • Fees for each withdrawal (see fees)
Bonus/Promo Bonus 0.2% interest rate for life of account

Sign up
Compounds No
Bitcoin n/a
Ethereum n/a
Litecoin n/a
Doge n/a
Stablecoin n/a
Withdrawal Fees
Payouts
Lockup Terms
Max Rate Conditions
Native Token HI
Founded 2019
HQ Signapore
Availability Worldwide
Pros
  • Innovative ideas and whitepaper concepts
  • Generous daily rewards for free
Cons
  • Many features still in development
Bonus/Promo Daily claimable hi Dollars

Sign up
Compounds Yes
Bitcoin 1% - 7.46%
Ethereum 2.02% - 7.46%
Litecoin n/a
Doge n/a
Stablecoin 3.04% - 12.73%
Withdrawal Fees Yes
Payouts Monday
Lockup Terms None
Max Rate Conditions

Hodlnaut tiers their interest rate. For example, Bitcoin is tiered on these values:

  • 2 BTC
  • 2-10 BTC
  • 10-100 BTC
  • over 100 BTC
Native Token n/a
Founded 2019
HQ Singapore, Hong Kong
Availability Worldwide
Pros
  • Global availability
  • Earn interest in coin of choice instead of in-kind
Cons
Bonus/Promo $20 after $1000 deposit

Sign up
Compounds Yes
Bitcoin 4.2%
Ethereum 3.4%
Litecoin 3.4%
Doge n/a
Stablecoin 8.8%
Withdrawal Fees No
Payouts Weekly
Lockup Terms None
Max Rate Conditions

Earn in ILK token and/or hold ILK token for increased interest rates.

Native Token ILK
Founded 2018
HQ Budapest, Hungary
Availability Worldwide
Pros
  • Competitive interest rates
  • In-app swaps
Cons
  • Best interest rates require ILK token
  • App needs design updates to match new branding
Bonus/Promo $20 BTC with $50 deposit (or more with larger deposit)

Sign up
Compounds No
Bitcoin 0.25%
Ethereum 5% - 7%
Litecoin n/a
Doge n/a
Stablecoin 2%
Withdrawal Fees Yes
Payouts Once or twice a week, depending on coin
Lockup Terms
Max Rate Conditions

ETH requires lockup until launch of ETH2, non-native (off-chain) staking (BTC and stablecoin) not available in all countries

Native Token n/a
Founded 2011
HQ San Francisco, CA
Availability Worldwide, all US states except NY and WA
Pros
  • Offers on and off-chain staking
  • Off-chain staking not available in all locations (US, Japan, UK, etc)
  • Full exchange services
Cons
  • Interest rate will vary (Kraken takes a flat 15% from staking rewards)
Bonus/Promo

Sign up
Compounds Yes
Bitcoin 2.25% - 6.1%
Ethereum n/a
Litecoin n/a
Doge n/a
Stablecoin 9%
Withdrawal Fees Yes
Payouts
Lockup Terms
Max Rate Conditions

Max rate paid for first 2 BTC. See terms.

Native Token n/a
Founded 2018
HQ Ontario, Canada; Wyoming
Availability Worldwide
Pros
  • Competitive stablecoin rates
Cons
  • Limited coin support
Bonus/Promo $25 after loan taken

Sign up
Compounds No
Bitcoin n/a
Ethereum 5.4%
Litecoin n/a
Doge n/a
Stablecoin n/a
Withdrawal Fees Yes (gas fees)
Payouts Daily
Lockup Terms None
Max Rate Conditions
Native Token LDO
Founded 2020
HQ
Availability Worldwide
Pros
  • Decentralized way to earn ETH natively
Cons
Bonus/Promo

Sign up
Compounds Yes
Bitcoin n/a
Ethereum n/a
Litecoin n/a
Doge n/a
Stablecoin 4%
Withdrawal Fees None
Payouts
Lockup Terms None
Max Rate Conditions
Native Token n/a
Founded 2019
HQ Nashville, TN
Availability US only except Alaska, Hawaii, Minnesota, or New York
Pros
  • Simple, easy to use service
  • USD deposits only
Cons
  • No native app yet
Bonus/Promo $20 with $100 deposit

Sign up
Compounds Yes
Bitcoin 4%
Ethereum 4%
Litecoin n/a
Doge n/a
Stablecoin 7.6%
Withdrawal Fees Yes for certain coins
Payouts First day of each month
Lockup Terms 7 day withdrawal period
Max Rate Conditions
Native Token n/a
Founded 2013
HQ London, UK
Availability Not available in the US
Pros
  • Simple and easy to use app
Cons
  • Listed interest rates are targets (and may vary)
Bonus/Promo Get 0.001 BTC when you deposit and buy 0.02 BTC (use promo code below)

Sign up
Compounds Yes
Bitcoin 4%
Ethereum 4%
Litecoin n/a
Doge n/a
Stablecoin 4%
Withdrawal Fees None
Payouts Every Second
Lockup Terms 0, 30, 90 or 180 day fixed terms.
Max Rate Conditions
Native Token n/a
Founded 2018
HQ Redlands, CA
Availability Worldwide
Pros
  • Withdrawl anytime, penalty free
Cons
  • Low stablecoin interest rate
  • Certain coins may be capped and not accept new deposits
Bonus/Promo 15-day $4000 trial bonus, keep interest earned during trial

Sign up
Compounds Yes
Bitcoin 4% - 6%
Ethereum 4% - 6%
Litecoin 4% - 6%
Doge 2% - 3%
Stablecoin 8%
Withdrawal Fees Limited free withdrawls per month
Payouts Daily
Lockup Terms None or 1 month
Max Rate Conditions

Lockup terms for 1 month and owning 10% of holdings in NEXO token. Earn 2% extra if earning in NEXO.

Native Token NEXO
Founded 2017
HQ London, UK
Availability Worldwide excluding Afghanistan, Bulgaria, Burma (Myanmar), Central African Republic, Cote d’Ivoire, Cuba, Democratic Republic of Congo, Eritrea, Estonia, Iran, Iraq, Lebanon, Libya, North Korea, Republic of the Congo, Sierra Leone, Somalia, South Sudan, Sudan, Syria, Yemen, Zimbabwe
Pros
  • Competitive rates for all coins deposited
  • No lockup periods
  • Very popular platform
Cons
  • Limited to 1-5 free withdrawal per month depending on verification
Bonus/Promo $10 BTC for depositing $100

Sign up
Compounds No
Bitcoin n/a
Ethereum n/a
Litecoin n/a
Doge n/a
Stablecoin 4.22% - 7.61%
Withdrawal Fees No
Payouts
Lockup Terms
Max Rate Conditions
Native Token n/a
Founded 2013
HQ San Francisco, CA
Availability Worldwide
Pros
  • Full exchange services
  • Easy to use defi yield products
Cons
  • Few supported coins for Earn program
Bonus/Promo $50 BTC when you buy $100 of crypto

Sign up
Compounds Yes
Bitcoin n/a
Ethereum n/a
Litecoin n/a
Doge n/a
Stablecoin 6%
Withdrawal Fees None
Payouts First day of each month
Lockup Terms None
Max Rate Conditions
Native Token n/a
Founded 2019
HQ NJ, USA
Availability Worldwide, excluding the following US States: New York, New Hampshire, Connecticut, Hawaii, Vermont, Virginia, Texas
Pros
  • Very simple process for non-crypto users interested in high interest rates
  • Automatic stablecoin purchase, interest generation
  • No fees or lockups
Cons
  • 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
Bonus/Promo $5 bonus with any deposit

Sign up
Compounds Yes
Bitcoin 4% - 8%
Ethereum n/a
Litecoin n/a
Doge n/a
Stablecoin n/a
Withdrawal Fees No
Payouts Monthly
Lockup Terms None
Max Rate Conditions

Up to 8% is offered on certain promotional terms.

Native Token n/a
Founded 2017
HQ Austin, TX
Availability US only
Pros
  • Earn free Bitcoin by simply linking existing cards and making purchases at supported vendors
Cons
  • Focused only on BTC
  • Cashback is the focus over being a pure wallet
  • US only
Bonus/Promo $10 by using invite code/link, complete 1 transaction within 14 days

Sign up
Compounds Yes
Bitcoin 4.6% - 6.7%
Ethereum 4.6% - 6.7%
Litecoin n/a
Doge n/a
Stablecoin 9.41% - 12.68%
Withdrawal Fees None
Payouts Weekly or at end of deposit term
Lockup Terms None, 1 month, 6 months
Max Rate Conditions

Must lock deposit for 1-6 months.

Native Token n/a
Founded 2018
HQ Signapore
Availability Worldwide
Pros
  • Great stablecoin rates
  • Competitive BTC and ETH rates
Cons
Bonus/Promo 1.25% bonus interest rate

Sign up
Compounds Yes
Bitcoin 5.75% - 7.25%
Ethereum 4.6% - 6.10%
Litecoin 5%
Doge 2%
Stablecoin 9% - 10.5%
Withdrawal Fees Yes
Payouts Monthly on the fifth business day
Lockup Terms None
Max Rate Conditions

Must hold 20,000 VGX in your account.

Native Token n/a
Founded 2017
HQ NJ, USA
Availability US only, excluding NY state.
Pros
  • Full exchange services
  • Competitive rates
  • Broad coin support
Cons
  • Not available outside US
  • Variable fee applies for withdrawing coins (see fees)
  • App interface can be confusing, overloaded
  • Minimum balances required to earn interest
Bonus/Promo $25 BTC bonus with $100 deposit and $100 in trades

Sign up
Compounds Yes
Bitcoin 4.8%
Ethereum 5.5%
Litecoin 5.5%
Doge 3%
Stablecoin 12%
Withdrawal Fees Yes
Payouts Weekly
Lockup Terms None
Max Rate Conditions
Native Token n/a
Founded 2018
HQ Switzerland, Cyprus
Availability Not available in the US
Pros
  • Great interest rates with compounding interest
  • Withdrawal anytime
  • Wide coin support
Cons
  • Not available in the US
  • No user signup bonus
Bonus/Promo

Sign up
Compounds Yes
Bitcoin 2% - 5%
Ethereum 2% - 5.5%
Litecoin 2% - 5.5%
Doge n/a
Stablecoin 5% - 6%
Withdrawal Fees Yes
Payouts Daily
Lockup Terms None or 45 days
Max Rate Conditions

Lock up for 45 days with Ziplock

Native Token ZMT
Founded 2019
HQ Signapore
Availability Not available in the US
Pros
  • Easy to start earning on desposits
  • Full exchange services
Cons
Bonus/Promo 2.5 ZMT by locking 250 ZMT or 25 ZMT by locking 5,000 ZMT plus special gift

Sign up
Compounds No
Bitcoin 2%
Ethereum 2.7%
Litecoin n/a
Doge n/a
Stablecoin 6%
Withdrawal Fees Yes
Payouts Monthly
Lockup Terms None
Max Rate Conditions
Native Token n/a
Founded 2015
HQ Sherman Oaks, CA
Availability Worldwide
Pros
  • Traditional retirement account tax benefits
Cons
  • Requires 10,000 minimum
Bonus/Promo

Sign up
Compounds No
Bitcoin 2.3%
Ethereum 2.6%
Litecoin n/a
Doge 2.5%
Stablecoin 8.8%
Withdrawal Fees Yes
Payouts
Lockup Terms Varies
Max Rate Conditions
Native Token BTR
Founded 2018
HQ Singapore
Availability Not available in US or China
Pros
  • Wide variety of supported coins
Cons
  • Deposits may be capped
  • Lockup period varies by coin
Bonus/Promo 25% commission discount, chance to win 60,000 XRP

Sign up
Compounds Yes
Bitcoin 0.1% - 4.5%
Ethereum 0.25% - 5%
Litecoin 0.1% - 4.75%
Doge n/a
Stablecoin 5% - 8%
Withdrawal Fees Yes
Payouts Monthly
Lockup Terms None
Max Rate Conditions

Tiered interest rates for quantity of coins.

Native Token n/a
Founded 2017
HQ New Jersey, USA
Availability Not available in NY, KY or any country unsanctioned by the U.S., the U.K. or EU
Pros
  • Popular, trusted service
Cons
  • Tiered rates for larger holders are low
Bonus/Promo $10 after $100 deposit

Sign up
Compounds Yes
Bitcoin 5% - 6%
Ethereum 5% - 6%
Litecoin n/a
Doge n/a
Stablecoin 7%
Withdrawal Fees Yes
Payouts Weekly
Lockup Terms None
Max Rate Conditions

Terms vary upon product. Read expected returns/terms.

Native Token DFI
Founded 2019
HQ Signapore
Availability Not available in New York or Balkans, Bangladesh, Belarus, Burundi, Central African Republic, Cuba, Democratic People’s Republic of Korea, Democratic Republic of Congo, Ghana, India, Iran, Iraq, Lebanon, Libya, Mali, Nicaragua, Pakistan, Somalia, Sri Lanka, Sudan, South Sudan, Syria, Ukraine, Russia, Venezuela, Vietnam, Yemen, Zimbabwe
Pros
  • Broad array of DeFi-like products and high interest rates
  • Fully owned by both co-founders
Cons
  • Products are more complex or require more lockup time than other platforms
Bonus/Promo $30 after $50 deposit

Sign up
Compounds Yes
Bitcoin 3.51% - 6.2%
Ethereum 5.05% - 5.35%
Litecoin 4.08%
Doge n/a
Stablecoin 8.88%
Withdrawal Fees None
Payouts Monday
Lockup Terms None
Max Rate Conditions

Tiered rates: First BTC earns max rate, remainder earn at base rate. First 100 ETH earns max rate, remainder earn at base rate.

Additional bonus rates are available by loyalty tiers (holding % of CEL coin relative to account total) and by earning in CEL (not available in the US).

Native Token CEL
Founded 2017
HQ NJ, USA
Availability All countries which the United States, the United Kingdom or the European Union does not impose financial sanctions or embargoes.
Pros
  • No fees (for withdrawals)
  • No lockup periods or withdrawal limits
  • Generous promos and referral bonuses
Cons
  • Only one whitelisted withdrawal address per coin (24 hours need to change address)
  • Buying on platform isn’t cost effective (use an exchange instead)
  • No in-app swaps (yet)
  • App requires frequent re-logging in
Bonus/Promo $50 BTC with $400 deposit. Hold 30 days. Use our custom promo code: CIR

Sign up
Compounds No
Bitcoin n/a
Ethereum n/a
Litecoin n/a
Doge n/a
Stablecoin n/a
Withdrawal Fees Yes
Payouts Monthly
Lockup Terms None
Max Rate Conditions
Native Token n/a
Founded 2012
HQ Wilmington, DE
Availability 100+ countries
Pros
  • Full exchange functionality
Cons
  • Only supports interest on USDC
Bonus/Promo $10 BTC when you buy or sell $100 of cryptocurrency

Sign up
Compounds Yes
Bitcoin 4%
Ethereum 4%
Litecoin n/a
Doge n/a
Stablecoin 8%
Withdrawal Fees None
Payouts Weekly
Lockup Terms
Max Rate Conditions
Native Token n/a
Founded 2017
HQ Santa Monica, CA
Availability Worldwide
Pros
  • Way to earn money each day
Cons
  • Social focus feels unnecessary
Bonus/Promo $10 for using referral code below

Sign up
Compounds Yes
Bitcoin 5.2% - 7.2%
Ethereum 5.2% - 7.2%
Litecoin 5.2% - 7.2%
Doge n/a
Stablecoin 10.3% - 12.3%
Withdrawal Fees None for deposit or withdrawal
Payouts Monthly
Lockup Terms None
Max Rate Conditions

2500 CLT Staked

Native Token CLT
Founded 2017
HQ Estonia
Availability Worldwide with small restrictions due to regulations
Pros
  • Excellent stablecoin interest rates
  • Very good BTC, ETH interest rates
  • No fees and no lockup periods
Cons
  • Best rates require CLT token
Bonus/Promo 25% referral sharing lifelong bonus

Sign up
Compounds No
Bitcoin n/a
Ethereum n/a
Litecoin n/a
Doge n/a
Stablecoin 8%
Withdrawal Fees None
Payouts Monthly
Lockup Terms None
Max Rate Conditions
Native Token n/a
Founded 2020
HQ Seychelles
Availability Worldwide
Pros
  • No KYC
  • Competitive interest rates
Cons
  • Focused only on Stablecoins
Bonus/Promo

Sign up
Compounds Yes
Bitcoin 2.5%
Ethereum 2.25%
Litecoin 3.5%
Doge 7%
Stablecoin 8%
Withdrawal Fees Yes
Payouts Monthly on the seventh day
Lockup Terms None
Max Rate Conditions
Native Token ZOOM
Founded 2018
HQ Salt Lake City, UT
Availability Not available in NY
Pros
  • Full featured application
  • 40+ support coins
Cons
Bonus/Promo $10 in ZOOM for single trade of $100 USD and hold balance of $100 USD

Sign up
Compounds No
Bitcoin 1.5% - 8.5%
Ethereum 3.5% - 8.5%
Litecoin 0.5% - 5%
Doge 0.5% - 5%
Stablecoin 6% - 14%
Withdrawal Fees Yes
Payouts Weekly
Lockup Terms None (flexible), 1 month, 3 months
Max Rate Conditions

3 month lockup, stake $40,000 in CRO. Lower tiers are available.

Native Token CRO
Founded 2016
HQ Hong Kong
Availability All states but New York and 100+ markets
Pros
  • Very popular, established service
  • Credit card program with unique perks
Cons
  • Requires deposits into Crypto Earn funds before interest is earned
  • Deposit minimums required for interest
  • Does not compound
  • Requires CRO to unlock better rates
Bonus/Promo $25 after reserving credit card (requires CRO purchase). Use referral code: hmbqqfpsej

Sign up
Compounds No
Bitcoin n/a
Ethereum n/a
Litecoin n/a
Doge n/a
Stablecoin 2.5% - 5%
Withdrawal Fees None
Payouts Monthly on first business day
Lockup Terms None
Max Rate Conditions

Earn .5% more interest for each referred user

Native Token n/a
Founded 2018
HQ San Francisco, CA
Availability US only
Pros
  • Easy bank integration
  • Easy to earn interest on USD
Cons
  • US only
  • Does not support other cryptocurrencies
Bonus/Promo

Sign up
Compounds Yes
Bitcoin 5% - 8%
Ethereum 5% - 8%
Litecoin 5% - 8%
Doge 5% - 8%
Stablecoin 5% - 8%
Withdrawal Fees Yes for ETH/ERC-20 and small BTC amounts
Payouts Hourly
Lockup Terms None
Max Rate Conditions

All funds up to $10,000 earn max rate.

Native Token n/a
Founded 2014
HQ Berkeley, CA
Availability Worldwide, exchange services not available in US
Pros
  • Full featured application
  • Great interest rates for first $10,000 of any coin
Cons
Bonus/Promo Free random coin with $10 deposit

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Compounds Yes
Bitcoin 1.49%
Ethereum 2.05%
Litecoin 2.77%
Doge 5.03%
Stablecoin 7.4%
Withdrawal Fees Yes (transfer and agent fees)
Payouts Must be redeemed
Lockup Terms None
Max Rate Conditions
Native Token GUSD
Founded 2014
HQ New York, NY
Availability All U.S. states and Singapore
Pros
  • Available in NY state
  • No minimums, no transfer or withdrawal fees
  • Supports DOGE
Cons
  • BTC and ETH rates are lower than competition
Bonus/Promo $10 after $100 trade

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Compounds Yes
Bitcoin 6.1% - 15.2%
Ethereum 6% - 14.7%
Litecoin n/a
Doge n/a
Stablecoin 7.7% - 15%
Withdrawal Fees Yes
Payouts Daily
Lockup Terms None, or customized between 15 to 365 days (for Haru Earn Plus)
Max Rate Conditions

Lockup for 365 days for max rate (reduced lockup terms are available for reduced rates)

Native Token n/a
Founded 2019
HQ Signapore
Availability Worldwide
Pros
  • Top interest rates for BTC and ETH
  • Significant rate boosts for locking up for 30-365 days (Haru Interest Plus)
Cons
  • Newer platform
  • Fees for each withdrawal (see fees)
Bonus/Promo Bonus 0.2% interest rate for life of account

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Compounds No
Bitcoin n/a
Ethereum n/a
Litecoin n/a
Doge n/a
Stablecoin n/a
Withdrawal Fees
Payouts
Lockup Terms
Max Rate Conditions
Native Token HI
Founded 2019
HQ Signapore
Availability Worldwide
Pros
  • Innovative ideas and whitepaper concepts
  • Generous daily rewards for free
Cons
  • Many features still in development
Bonus/Promo Daily claimable hi Dollars

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Compounds Yes
Bitcoin 1% - 7.46%
Ethereum 2.02% - 7.46%
Litecoin n/a
Doge n/a
Stablecoin 3.04% - 12.73%
Withdrawal Fees Yes
Payouts Monday
Lockup Terms None
Max Rate Conditions

Hodlnaut tiers their interest rate. For example, Bitcoin is tiered on these values:

  • 2 BTC
  • 2-10 BTC
  • 10-100 BTC
  • over 100 BTC
Native Token n/a
Founded 2019
HQ Singapore, Hong Kong
Availability Worldwide
Pros
  • Global availability
  • Earn interest in coin of choice instead of in-kind
Cons
Bonus/Promo $20 after $1000 deposit

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Compounds Yes
Bitcoin 4.2%
Ethereum 3.4%
Litecoin 3.4%
Doge n/a
Stablecoin 8.8%
Withdrawal Fees No
Payouts Weekly
Lockup Terms None
Max Rate Conditions

Earn in ILK token and/or hold ILK token for increased interest rates.

Native Token ILK
Founded 2018
HQ Budapest, Hungary
Availability Worldwide
Pros
  • Competitive interest rates
  • In-app swaps
Cons
  • Best interest rates require ILK token
  • App needs design updates to match new branding
Bonus/Promo $20 BTC with $50 deposit (or more with larger deposit)

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Compounds No
Bitcoin 0.25%
Ethereum 5% - 7%
Litecoin n/a
Doge n/a
Stablecoin 2%
Withdrawal Fees Yes
Payouts Once or twice a week, depending on coin
Lockup Terms
Max Rate Conditions

ETH requires lockup until launch of ETH2, non-native (off-chain) staking (BTC and stablecoin) not available in all countries

Native Token n/a
Founded 2011
HQ San Francisco, CA
Availability Worldwide, all US states except NY and WA
Pros
  • Offers on and off-chain staking
  • Off-chain staking not available in all locations (US, Japan, UK, etc)
  • Full exchange services
Cons
  • Interest rate will vary (Kraken takes a flat 15% from staking rewards)
Bonus/Promo

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Compounds Yes
Bitcoin 2.25% - 6.1%
Ethereum n/a
Litecoin n/a
Doge n/a
Stablecoin 9%
Withdrawal Fees Yes
Payouts
Lockup Terms
Max Rate Conditions

Max rate paid for first 2 BTC. See terms.

Native Token n/a
Founded 2018
HQ Ontario, Canada; Wyoming
Availability Worldwide
Pros
  • Competitive stablecoin rates
Cons
  • Limited coin support
Bonus/Promo $25 after loan taken

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Compounds No
Bitcoin n/a
Ethereum 5.4%
Litecoin n/a
Doge n/a
Stablecoin n/a
Withdrawal Fees Yes (gas fees)
Payouts Daily
Lockup Terms None
Max Rate Conditions
Native Token LDO
Founded 2020
HQ
Availability Worldwide
Pros
  • Decentralized way to earn ETH natively
Cons
Bonus/Promo

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Compounds Yes
Bitcoin n/a
Ethereum n/a
Litecoin n/a
Doge n/a
Stablecoin 4%
Withdrawal Fees None
Payouts
Lockup Terms None
Max Rate Conditions
Native Token n/a
Founded 2019
HQ Nashville, TN
Availability US only except Alaska, Hawaii, Minnesota, or New York
Pros
  • Simple, easy to use service
  • USD deposits only
Cons
  • No native app yet
Bonus/Promo $20 with $100 deposit

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Compounds Yes
Bitcoin 4%
Ethereum 4%
Litecoin n/a
Doge n/a
Stablecoin 7.6%
Withdrawal Fees Yes for certain coins
Payouts First day of each month
Lockup Terms 7 day withdrawal period
Max Rate Conditions
Native Token n/a
Founded 2013
HQ London, UK
Availability Not available in the US
Pros
  • Simple and easy to use app
Cons
  • Listed interest rates are targets (and may vary)
Bonus/Promo Get 0.001 BTC when you deposit and buy 0.02 BTC (use promo code below)

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Compounds Yes
Bitcoin 4%
Ethereum 4%
Litecoin n/a
Doge n/a
Stablecoin 4%
Withdrawal Fees None
Payouts Every Second
Lockup Terms 0, 30, 90 or 180 day fixed terms.
Max Rate Conditions
Native Token n/a
Founded 2018
HQ Redlands, CA
Availability Worldwide
Pros
  • Withdrawl anytime, penalty free
Cons
  • Low stablecoin interest rate
  • Certain coins may be capped and not accept new deposits
Bonus/Promo 15-day $4000 trial bonus, keep interest earned during trial

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Compounds Yes
Bitcoin 4% - 6%
Ethereum 4% - 6%
Litecoin 4% - 6%
Doge 2% - 3%
Stablecoin 8%
Withdrawal Fees Limited free withdrawls per month
Payouts Daily
Lockup Terms None or 1 month
Max Rate Conditions

Lockup terms for 1 month and owning 10% of holdings in NEXO token. Earn 2% extra if earning in NEXO.

Native Token NEXO
Founded 2017
HQ London, UK
Availability Worldwide excluding Afghanistan, Bulgaria, Burma (Myanmar), Central African Republic, Cote d’Ivoire, Cuba, Democratic Republic of Congo, Eritrea, Estonia, Iran, Iraq, Lebanon, Libya, North Korea, Republic of the Congo, Sierra Leone, Somalia, South Sudan, Sudan, Syria, Yemen, Zimbabwe
Pros
  • Competitive rates for all coins deposited
  • No lockup periods
  • Very popular platform
Cons
  • Limited to 1-5 free withdrawal per month depending on verification
Bonus/Promo $10 BTC for depositing $100

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Compounds No
Bitcoin n/a
Ethereum n/a
Litecoin n/a
Doge n/a
Stablecoin 4.22% - 7.61%
Withdrawal Fees No
Payouts
Lockup Terms
Max Rate Conditions
Native Token n/a
Founded 2013
HQ San Francisco, CA
Availability Worldwide
Pros
  • Full exchange services
  • Easy to use defi yield products
Cons
  • Few supported coins for Earn program
Bonus/Promo $50 BTC when you buy $100 of crypto

Sign up
Compounds Yes
Bitcoin n/a
Ethereum n/a
Litecoin n/a
Doge n/a
Stablecoin 6%
Withdrawal Fees None
Payouts First day of each month
Lockup Terms None
Max Rate Conditions
Native Token n/a
Founded 2019
HQ NJ, USA
Availability Worldwide, excluding the following US States: New York, New Hampshire, Connecticut, Hawaii, Vermont, Virginia, Texas
Pros
  • Very simple process for non-crypto users interested in high interest rates
  • Automatic stablecoin purchase, interest generation
  • No fees or lockups
Cons
  • 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
Bonus/Promo $5 bonus with any deposit

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Compounds Yes
Bitcoin 4% - 8%
Ethereum n/a
Litecoin n/a
Doge n/a
Stablecoin n/a
Withdrawal Fees No
Payouts Monthly
Lockup Terms None
Max Rate Conditions

Up to 8% is offered on certain promotional terms.

Native Token n/a
Founded 2017
HQ Austin, TX
Availability US only
Pros
  • Earn free Bitcoin by simply linking existing cards and making purchases at supported vendors
Cons
  • Focused only on BTC
  • Cashback is the focus over being a pure wallet
  • US only
Bonus/Promo $10 by using invite code/link, complete 1 transaction within 14 days

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Compounds Yes
Bitcoin 4.6% - 6.7%
Ethereum 4.6% - 6.7%
Litecoin n/a
Doge n/a
Stablecoin 9.41% - 12.68%
Withdrawal Fees None
Payouts Weekly or at end of deposit term
Lockup Terms None, 1 month, 6 months
Max Rate Conditions

Must lock deposit for 1-6 months.

Native Token n/a
Founded 2018
HQ Signapore
Availability Worldwide
Pros
  • Great stablecoin rates
  • Competitive BTC and ETH rates
Cons
Bonus/Promo 1.25% bonus interest rate

Sign up
Compounds Yes
Bitcoin 5.75% - 7.25%
Ethereum 4.6% - 6.10%
Litecoin 5%
Doge 2%
Stablecoin 9% - 10.5%
Withdrawal Fees Yes
Payouts Monthly on the fifth business day
Lockup Terms None
Max Rate Conditions

Must hold 20,000 VGX in your account.

Native Token n/a
Founded 2017
HQ NJ, USA
Availability US only, excluding NY state.
Pros
  • Full exchange services
  • Competitive rates
  • Broad coin support
Cons
  • Not available outside US
  • Variable fee applies for withdrawing coins (see fees)
  • App interface can be confusing, overloaded
  • Minimum balances required to earn interest
Bonus/Promo $25 BTC bonus with $100 deposit and $100 in trades

Sign up
Compounds Yes
Bitcoin 4.8%
Ethereum 5.5%
Litecoin 5.5%
Doge 3%
Stablecoin 12%
Withdrawal Fees Yes
Payouts Weekly
Lockup Terms None
Max Rate Conditions
Native Token n/a
Founded 2018
HQ Switzerland, Cyprus
Availability Not available in the US
Pros
  • Great interest rates with compounding interest
  • Withdrawal anytime
  • Wide coin support
Cons
  • Not available in the US
  • No user signup bonus
Bonus/Promo

Sign up
Compounds Yes
Bitcoin 2% - 5%
Ethereum 2% - 5.5%
Litecoin 2% - 5.5%
Doge n/a
Stablecoin 5% - 6%
Withdrawal Fees Yes
Payouts Daily
Lockup Terms None or 45 days
Max Rate Conditions

Lock up for 45 days with Ziplock

Native Token ZMT
Founded 2019
HQ Signapore
Availability Not available in the US
Pros
  • Easy to start earning on desposits
  • Full exchange services
Cons
Bonus/Promo 2.5 ZMT by locking 250 ZMT or 25 ZMT by locking 5,000 ZMT plus special gift

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