Ethereum Lending Rates

• High yield rates
• Interest accrues daily
• No KYC required

• Early withdraw forfeits accrued interest

• Good interest rates
• Wide amount of supported assets

• Rates will fluctuate
• Multiple yield strategies may be confusing and earn differently
• Some strategies may be hard capped

• Wide variety of supported tokens
• Flexible terms

• Limited availability beyond Europe

• Extremely high APY rates

• Higher risk profile

• Compounding interest
• No lockups
• Wide coin support

• Improved rates require minimum trading volumes
• No signup bonus

• Flexible Savings supports daily compounding across more than 30 eligible digital assets without a fixed lockup.
• Users can combine earning, trading, and crypto-backed borrowing within one custodial account.

• Users must maintain a portfolio of at least $5,000 to earn interest.
• The highest rates require additional commitments, including NEXO-token exposure, NEXO-denominated rewards, a higher loyalty tier, or a fixed term.

• Yield + banking + borrowing in one
• Fireblocks infrastructure

Newer platform, Euro focus

• Popular app

• 15% staking commission fee

• No stated minimum balance for supported staking assets.
• No separate transfer or redemption fee for staking.
• ETH, SOL, and MON staking are managed from the existing Gemini account.

• Gemini can retain up to 35% of protocol rewards as its staking service fee.
• Only three assets are currently supported.
• Rewards are distributed monthly, and assets may be unavailable during network unstaking.

• Low published minimums make several staking products accessible with small balances.
• Most assets can reportedly be withdrawn after three days.
• Supports network-staking assets including ETH, BNB, and TRX.

• DAI and USDT products are called staking without a clear native staking source.
• Public calculators and examples show inconsistent rates and terms.
• TRX rewards require completing the full staking term.

• Non-custodial staking and yield products
• Rewards compound automatically
• Crypto-backed Visa card available

• Restaking introduces additional risk beyond standard ETH staking
• Vaults depend on third-party DeFi protocols

• Multiple tax advantaged crypto account options

• USD withdraws only (non-crypto)
• USDC must be bought within the platforms

• Supports staking rewards inside several types of tax-advantaged retirement accounts.
• Provides one platform for IRA setup, retirement-account funding, crypto trading, custody coordination, and staking.

• A 2% trading fee plus a monthly asset-based account fee makes it substantially more expensive than many standard crypto platforms.
• Staking rewards are reduced by validator and custodian fees, and staked assets can be unavailable during bonding and unstaking.

• Supports staking for several major proof-of-stake assets with asset-specific payout details.
• Offers both a Coinbase-funded USDC rewards program and optional onchain USDC lending.
• Standard unstaking is free, with paid instant unstaking available for some assets and accounts.

• Coinbase takes a commission from staking rewards, and the exact percentage varies by asset and membership tier.
• The best USDC and staking benefits may require a paid Coinbase One plan.
• Coinbase Lend introduces smart-contract and lending-vault risks that do not apply to ordinary USDC rewards.

• Flexible Savings permits redemption without a lockups
• Auto-Transfer can allocate eligible idle balances automatically

• KYC is required
• Phemex does not serve U.S. customers

• Standard staking supports multiple proof-of-stake assets from one exchange account.
• Published staking rates reflect the platform's service fee, making net-rate comparisons easier.
• Soft-Staking offers an option for eligible assets to remain available for trading or withdrawal.

• Standard staking service fees can take 9.95% to 39.95% of earned rewards.
• Soft-Staking deducts 90% of generated rewards in exchange for liquidity.
• Standard-staked assets may be unavailable for days or weeks during processing and unstaking.

• Flexible Earn pays daily, compounds automatically, and permits partial withdrawals.
• EXMO identifies Gearbox and other DeFi protocols as material yield sources.
• Existing fixed contracts retain their agreed rate through maturity after schedule changes.

• Early cancellation of Fixed Earn forfeits all rewards.
• Higher fixed rates may require holding substantial amounts of EXM.
• DeFi lending adds smart-contract, borrower, and liquidity risks.

• No KYC

• Earn limited to stablecoins
• Rates modest compared to competitors

• Simple, fee-free and rewarding app to manage crypto payments
• Pays interest rewards on most coins
• No lock ups

• Rates are modest
• New app with limited features vs full Kraken

• Offers two differentiated yield models: an SEC-registered interest-bearing digital security and collateralized lending pools.
• Democratized Prime shows pool rates, utilization, collateral, and available liquidity, and does not charge lender fees.

• Exiting a lending pool depends on available liquidity and can require waiting for another lender to enter.
• YLDS is an unsecured investment security without FDIC insurance or a bank guarantee; SEC registration is not SEC approval.

• Flexible, one-month, and three-month Crypto Earn terms are available for multiple assets.
• Earn Plus provides a separate stablecoin option without the ordinary tiered-reward quota.
• Rewards generally accrue daily and are distributed weekly.

• The best rates may require a higher Level Up tier and a 365-day CRO stake or lockup.
• Rates vary by asset, term, deposit tier, account level, and jurisdiction, making headline rates difficult to compare.
• Fixed-term funds are unavailable until maturity, and promotional Flash Rewards are not offered to U.S. residents.

• Auto-Lend can allocate supported idle balances without repeated manual subscriptions.
• SOL returns can include validator, block, and Jito MEV rewards.
• A balance threshold can keep part of an eligible asset outside Auto-Lend.

• Exchange lending is unavailable to U.S. customers and may have other regional limits.
• Lending rates change with pool demand and are not guaranteed.
• Backpack USD is an internal unit that cannot be withdrawn directly.