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Compare 57 top-rated onchain apps, platforms and services based on top APY, supported assets, fees and features.
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 DeFi Earn A... 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 ... 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: UD4DBENEU AscendE... 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 bene... Read full review →
Axal is a crypto yield platform aimed at simplifying the process of earning returns on stablecoins. It acts like a smart savings account. Users deposit stablecoins, and Axal’s system automatically ro... 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 regula... 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 Staking Binance US claims it is the largest stak... 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 Staking In 20... 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 i... 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 f... 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 →
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 un... Read full review →
Clave is a self-custodial smart wallet launched in 2023, headquartered in London. It combines DeFi yield opportunities with everyday usability like payments and spending. Why It Stands Out Sel... Read full review →
Coinbase is one of the most popular centralized crypto exchanges. Coinbase Earn is Coinbase's interest-bearing product. They offer staking-as-a-service on supported assets and, more specifically, ... Read full review →
CoinDepo offers high-yield compound interest accounts for crypto holders looking to earn passive income on their digital assets. The platform supports both stablecoins and major cryptocurrencies, pro... 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 t... 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 straightf... 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 compel... 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 Code ... 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 accessib... 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 →
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 sm... 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 c... 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,... Read full review →
Fido is a crypto-yield platform offering 10% APY with a simple, banking-style user experience. Unlike many centralized lenders, Fido emphasizes self-custody, so users keep control of their assets whi... Read full review →
Figure Markets is the first company to receive SEC approval for an interest-bearing stablecoin, YLDS, in the United States. Figure Markets offers a range of interest‑earning and borrowing products... Read full review →
Gemini is a long-running centralized crypto exchange located in the United States. It offers staking and earn programs. Gemini Staking Gemini Staking is a staking service that pays rewards on E... Read full review →
HEXN is a crypto interest account platform, that pays interest on deposited and subscribed to BTC, ETH, USDT, USDC and many other cryptocurrencies. Open a HODL Account Select cryptocurrency an... 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 Earn Ju.com’s earn... 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 ... 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 Code ... Read full review →
Kraken is a leading digital asset exchange platform that was founded in 2011 and is headquartered in San Francisco, California. UK Residents: Don’t invest unless you’re prepared to lose all the mo... 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 (savings) accounts. It emphasizes transpa... 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 passive yield. Yield Offering ... Read full review →
Nebeus is a multi-currency financial platform, merging money with crypto. Nebeus supports 25+ coins. Nebeus Crypto Renting Rent (lend) your crypto to Nebeus with their crypto renting program. ... Read full review →
Nexo is one of the most popular crypto interest account platforms, with Nexo Earn. In late 2024, Nexo rebranded itself as a "digital assets wealth platform," shifting focus from general crypto len... Read full review →
Nook is a crypto-native savings platform designed to make earning interest on stablecoins simple, safe, and transparent. Built for U.S. users, Nook abstracts the complexity of DeFi by offering regula... Read full review →
OneKey App: Earn & Staking Guide Maximize your crypto with confidence using OneKey’s Earn feature — seamlessly integrated into both the OneKey hardware wallet and its companion app for secure,... 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 cr... Read full review →
Phemex is a crypto exchange offering exceptionally low fees and powerful tools for trading. Phemex Earn Phemex Earn is a crypto lending product from Phemex. Phemex Earn Does Phemex requir... 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 se... Read full review →
Probit Global is a top 20 global cryptocurrency exchange, featuring 500+ trading pairs. It has limited interest-bearing options. Probit referral code: 26918111 Read full review →
Pyra is a self-custodial platform and Visa crypto card solution that lets you spend the value of your crypto without liquidating it. Each purchase is funded through an over-collateralized loan, allow... 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 USD Uniquely, River offers a savings account (FDIC insu... Read full review →
Robinhood began as a commission-free trading app and has evolved into a major player in fintech, with strong traction in crypto. As of mid-2025, Robinhood supports over 25 million funded accounts and... 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 interest over time. Sol... Read full review →
Stables is a crypto-native wallet and prepaid Mastercard that enables users to buy, hold, send, and spend stablecoins like USDC, USDT, DAI, and PYUSD. Built with global access in mind, Stables bridge... 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 connec... 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 interest over time. This is a custodial product, not DeFi, and function... 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 cryptoc... Read full review →
Tuyo is a self-custodial finance app that makes it easy to hold, earn, and spend USDC. Users keep control of their assets at all times, while accessing features that blend stablecoin yield opportunit... Read full review →
Uphold is a versatile and user-friendly digital asset platform that allows individuals to buy, sell, trade, and hold a variety of assets, including cryptocurrencies, stablecoins, precious metals, and... Read full review →
WhiteBIT is a popular crypto exchange with a lending product called Whitebit Crypto Lending. Crypto Lending at WhiteBIT 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 tha... Read full review →
World Liberty Financial Lend Program WLFI's Lend program plans to offer competitive interest rates on stablecoin deposits, enabling users to earn passive income through institutional-grade lending... Read full review →
YouHodler offers crypto saving accounts (Yield/Gwoth Account) for 30+ coins, including Bitcoin (BTC), Ripple (XRP), Binance Coin (BNB), Cardano (ADA) and a variety of stablecoins like Tether (USDT), ... Read full review →
Zengo is a non-custodial wallet app that supports crypto staking and more than 1000+ assets. Zengo Earn Zengo Earn is a simple and secure way for Zengo users to put their crypto to work and ear... 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
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