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BTC
The world's first decentralized digital currency and the largest crypto asset by market cap.
Compare 54 top-rated onchain apps, platforms and services based on top APY, supported assets, fees and features.
Billz helps users pay real-world bills without selling their crypto.Users can deposit supported crypto or stablecoins as collateral to:Access liquidity without directly selling their assetsPay real-wo...Read full review
Deposit supported crypto or stablecoins as collateral
Pay real-world expenses
Supports USDT, USDT, SOL
Clapp Finance is a newer Europe-focused crypto fintech platform combining crypto savings accounts, euro banking features, trading, and crypto-backed credit lines into a single mobile-first experience....Read full review
Newer platform, Euro focus
Zengo is a non-custodial wallet app that supports crypto staking and more than 1000+ assets.Zengo EarnZengo Earn is a simple and secure way for Zengo users to put their crypto to work and earn yield d...Read full review
YouHodler offers a crypto yield (earn) program for 30+ coins, including Bitcoin (BTC), Ripple (XRP), Binance Coin (BNB), Cardano (ADA) and a variety of stablecoins like Tether (USDT), TrueUSD (TUSD), ...Read full review
Wirex is an app to buy, sell, and spend crypto. Wirex offers a crypto back credit card, and interest bearing crypto accounts called X-Accounts.X-Accounts are a unique feature offered by Wirex that all...Read full review
Tuyo is a self-custodial finance app that makes it easy to hold, earn, and spend stablecoins. Users keep control of their assets at all times, while accessing features that blend stablecoin yield oppo...Read full review
Trustyfy is a neobank like platform designed to bridge the gap between decentralized digital assets and traditional financial services. It provides users with a unified interface for managing cryptocu...Read full review
The Kingdom Bank offers a fixed-term crypto savings account that lets you deposit USDT (Tether) on the Tron blockchain and earn over time. This is a custodial product, not DeFi, and functions more lik...Read full review
Stoic AI is an automated trading bot designed to make professional hedge-fund style strategies accessible to everyday crypto investors. Instead of manually rebalancing or chasing trades, users connect...Read full review
Solid is a Stablecoin Super-App designed to simplify DeFi yield generation. Users deposit USDC, which is automatically converted into soUSD, a yield-bearing token that accrues yield over time. Solid a...Read full review
Robinhood began as a commission-free trading app and has evolved into a major player in fintech. Crypto now represents a significant portion of the platform’s products and offerings.Robinhood Crypto E...Read full review
River is a Bitcoin-focused savings platform. You can buy and hold BTC, alongside USD. It only serves customers in the US.Earn Bitcoin on USDUniquely, River offers a savings account (FDIC insured) that...Read full review
PrimeXBT is a cryptocurrency and trading platform that offers multi-asset trading capabilities and advanced tools for investors.PrimeXBT appeals to traders of all levels due to its broad asset selecti...Read full review
Phemex is a crypto exchange offering exceptionally low fees and powerful tools for trading.Phemex EarnPhemex Earn is a crypto lending product from Phemex.Phemex EarnDoes Phemex require KYC?Phemex does...Read full review
PayPal is one of the first major U.S. fintech companies to launch its own regulated stablecoin, PYUSD, issued by Paxos and fully backed by U.S. dollar reserves. As of 2025, PayPal is expanding its cry...Read full review
Nook is an app designed to make earning on stablecoins simple, safe, and transparent. Built for U.S. users, Nook abstracts the complexity of DeFi by offering regulated, permissioned access to vetted o...Read full review
Nexo is one of the most popular crypto earn platforms, calling itself a digital assets wealth platform. A minimum of $5,000 USD worth of assets is required for new users.Nexo offers a crypto credit ca...Read full review
Nebeus is a multi-currency financial platform, merging money with crypto. Nebeus supports 25+ coins.Nebeus Crypto RentingRent (lend) your crypto to Nebeus with their crypto renting program.Earn up to ...Read full review
Lune.fi positions itself as a crypto exchange and liquidity aggregator with a focus on delivering competitive trading rates and high-yield income opportunities through its Earn lending pools. The plat...Read full review
Liquid is a non-custodial trading and yield platform launched in 2025. While best known for its high-leverage trading, it also offers a Vault product designed for earning yield.Yield OfferingVault Str...Read full review
Ledn is a digital-asset lending and savings platform. It allows users to use Bitcoin as collateral to borrow USD or stablecoins, or to earn yields via growth accounts. It emphasizes transparency, proo...Read full review
Lantern Finance offers cryptocurrency-backed loan products that allow users to obtain loans secured by their digital assets. Lantern Finance offers competitive rates for borrowing against multiple coi...Read full review
Kraken is a leading digital asset exchange platform that was founded in 2011 and is headquartered in San Francisco, California.The platform allows users to buy and sell a range of cryptocurrencies, in...Read full review
Krak is a new simple crypto-powered mobile payment app by the popular Kraken crypto exchange. It is designed to be a crypto-friendly alternative to Venmo and Paypal.Krak Invite Code / Promo CodeUse in...Read full review
KAST is a stablecoin-powered financial platform designed to serve as a next-generation alternative to traditional banking. Built by a team with experience at Circle, Phantom, Revolut, and Wise, KAST e...Read full review
Ju.com is the rebranded name of JuCoin, a crypto exchange originally established in 2013. It operates globally (100+ countries), with over 50 million registered users.Ju.com EarnJu.com’s earn / saving...Read full review
iTrustCapital is a U.S.-based platform that allows individuals to buy, sell, and hold cryptocurrencies and precious metals within self-directed retirement accounts (Traditional, Roth, and SEP IRAs) as...Read full review
Gemini is a long-running centralized crypto exchange located in the United States. It offers staking and earn programs.Gemini StakingGemini Staking is a staking service that pays rewards on ETH and SO...Read full review
Firefish is a Bitcoin-backed lending marketplace that connects borrowers and lenders directly, using Bitcoin as collateral and stablecoins as the loan currency. The platform focuses on providing liqui...Read full review
Figure Markets is a U.S.-based crypto platform focused on earning yield through real-world assets (RWAs) rather than traditional DeFi strategies. The platform combines self-custody wallets with instit...Read full review
Operating since 2014, EXMO.com is a prominent cryptocurrency exchange. The platform reports a daily trading volume of $60 million, serving over 1 million users.Ranked among the top 100 exchanges, EXMO...Read full review
ether.fi offers a suite of products combining staking, restaking, and decentralized finance (DeFi) strategies. This platform provides a way to earn yield without sacrificing liquidity, along with a cr...Read full review
Ember Fund is an app that offers an engaging and accessible platform for acquiring Bitcoin through an ecosystem uniting earning, playing, and investing.You can earn free units of satoshis (the smalles...Read full review
EarnPark is a crypto investment platform that provides financial services to users looking to earn interest using cryptocurrencies. They are developing and automating their own strategies in CeFi and ...Read full review
Cryptomus is a globally accessible cryptocurrency platform launched in December 2024. Based in Vancouver, it offers a unified ecosystem that includes spot trading, staking, P2P trading - all accessibl...Read full review
Crypto.com, sometimes referred to as CDC, is a popular crypto interest account platform with many services like the Crypto.com Card and CRO, the Crypto.com token.Crypto.com (CDC) Referral CodeEnter hm...Read full review
CoinRabbit is a stablecoin-focused lending/loan platform. CoinRabbit offers monthly yield on USDT (Tether) and USDC (Circle).With no KYC, no fees, and no lockup terms, CoinRabbit is a very compelling ...Read full review
Coinmetro is a regulated, user-friendly centralized cryptocurrency exchange founded in 2017. The platform focuses on making crypto accessible through simple fiat on-ramps, staking plans and straightfo...Read full review
CoinJar is an Australian cryptocurrency exchange and platform. It offers a variety of services, like CoinJar Exchange, CoinJar Card and CoinJar Bundles, which are groups of popular cryptocurrencies to...Read full review
CoinDepo offers high-yield compound interest accounts for crypto holders looking to earn yield on their digital assets. The platform supports both stablecoins and major cryptocurrencies, providing fle...Read full review
Coinbase is one of the most popular centralized crypto exchanges.In Feb. 2026, Coinbase added the option to earn USDC rewards in BTC (with required Coinbase One subscription).Coinbase EarnCoinbase Ear...Read full review
BYDFi is a global cryptocurrency exchange offering spot trading, perpetual futures, and simplified crypto products aimed at both beginner and advanced traders. The platform was originally launched und...Read full review
Bitvavo is a cryptocurrency exchange founded in 2018, serving over 1.5 million users across the European Union. The platform offers a user-friendly interface for buying, selling, and trading over 350 ...Read full review
Bitunix is a centralized cryptocurrency exchange that focuses on both spot and derivatives trading. It supports over 270 cryptocurrencies, including popular coins and altcoins, and offers leveraged fu...Read full review
Bitfinex offers two unique products to earn yield on deposited crypto.Bitfinex Lending Pro is a crypto lending offering that pays variable rates on your cryptocurrency. A wide variety of crypto is sup...Read full review
BitcoinIRA is a retirement-focused IRA account powered by Bitcoin, Ether and USD. Monthly payouts, low minimums and no lockup period (5-day settlement period required).BitcoinIRA StakingIn 2025, Bitco...Read full review
Binance US (binance.us) offers native staking for ETH and SOL held on its popular exchange platform. Staking rewards are made weekly.Binance US StakingBinance US claims it is the largest staking platf...Read full review
Backpack Exchange, is a fully regulated cryptocurrency exchange built by the team behind the Solana-native Backpack Wallet and the Mad Lads NFT collection.Backpack Exchange is licensed and regulated i...Read full review
Axal is a crypto yield platform aimed at simplifying the process of earning returns on stablecoins. Users deposit stablecoins, and Axal’s system automatically routes capital through vetted DeFi protoc...Read full review
Avici is an on-chain self-custody crypto app with a Visa-based card. Learn more about the Avici Card.Apple and Google Pay are supported, as well as virtual and physical cards and you receive benefits ...Read full review
AscendEX is a global cryptocurrency exchange and financial platform that gives users a powerful way to earn, trade, and grow their crypto portfolios.AscendEX Invitation Code: UD4DBENEUAscendEX Earn is...Read full review
Arch Lending is a crypto-backed lending platform founded in 2022 and headquartered in New York, NY. It allows users to borrow USD or USDC using digital assets like Bitcoin (BTC), Ethereum (ETH), and S...Read full review
APX Lending is a North America–focused crypto-backed lending platform that enables borrowers to unlock liquidity from their digital assets without selling them. The company offers loans secured by BTC...Read full review
The Aave App is a simple savings interface built on the Aave protocol, letting users deposit stablecoins and earn variable, real-time interest.Simple, easy to use app interface to DeFiEarn APY on stab...Read full review
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The shift from centralized exchanges (like Coinbase) to onchain self-custody is the defining trend of 2026. Onchain apps give you direct ownership of your Bitcoin, Ethereum, and Solana, removing the middleman bank.
You lend your crypto to borrowers. Rates fluctuate based on market demand. Higher risk, higher potential reward.
Best for: Stablecoins (USDC, USDT)
You help secure the blockchain network. Rewards are consistent and programmed into the protocol.
Best for: ETH, SOL, ADA
Before depositing into any app listed above, verify the following:
USDC
USDT
Bitcoin
Ethereum
