Crypto Lending Rates 2026

Crypto lending allows you to deposit your cryptocurrency into a platform that lends it to borrowers. In return, you earn interest (APY) on your deposited assets. It's similar to earning interest in a traditional savings account, but typically with much higher rates ranging from 3-12% APY depending on the cryptocurrency and platform.

Stablecoins (USDC, USDT) typically offer the most competitive and stable lending rates at 8-12% APY. Bitcoin and Ethereum lending rates are usually lower (3-8% APY) but offer exposure to price appreciation. Newer cryptocurrencies like Solana may offer higher rates but with more volatility. The best rate depends on your risk tolerance and investment goals.

Crypto lending carries risks including smart contract vulnerabilities (DeFi), platform insolvency (CeFi), and market volatility. To minimize risk: only use audited platforms with proven track records, diversify across multiple lenders, start with small amounts, and look for platforms with insurance coverage. Never lend more crypto than you can afford to lose.

DeFi (Decentralized Finance): Self-custody of your crypto, often higher APY, transparent on-chain operations, but requires gas fees and technical knowledge. CeFi (Centralized Finance): User-friendly platforms, no gas fees, customer support, but you trust the platform with your crypto. Beginners typically start with CeFi platforms like BlockFi or Nexo, while experienced users often prefer DeFi protocols like Aave or Compound for higher yields and self-custody.