4.3% - 11%
4.2% - 10.5%
USDx Stablecoin Any supported USD-based stablecoin, such as USDC/USDT
6% - 12%
Interest rates last updated April 5, 2023.
Haru Invest Facts
None, or 15 to 365 days
Conditions/Requirements for max Haru Invest Interest Rate
Lockup for max rate with Earn Plus (ranging from 15-365 days).
Higher, but variable, rates are available with Earn Explore (returns depend on market, typically require 3 mo. term).
Haru Invest New User Bonus
$50 BTC with $500 deposit
Haru Invest Review
Haru Invest is a highly competitive crypto lending & savings account platform that features high crypto interest rates.
Haru Invest contains multiple wallets/products inside its app:
- Earn Plus: Fixed-rate up to 12.7% APR, flexible lock-up period, and earnings can be withdrawn daily
- Earn Explore: Performance-based rate that targets up to 25%, 1 or 3 month lock-up period
Learn more about these individual products in our guide: How to earn the most yield from Haru Invest.
Haru Referral Code
Use the referral code coininterestrate on sign up for $50 BTC bonus.
How does Haru generate return for its users?
How does Haru Invest create the high yields? Unlike other services that focus on lending, Haru focuses on high frequency trading and arbitrage, and therefore can make money in both bull and bear markets. This method makes it one of the safer crypto interest platforms, since their assets under management are not lent to other borrowers (which is why other lending platforms are having solvency issues with counter-party risk).
Since many deposits are locked up to earn higher rates, this gives Haru more time to leverage funds and short or long the current market.
Earn interest on XRP
Haru is one of the few crypto platforms that pay interest on XRP (Ripple).
Earn interest on USDC
Haru Invest added USDC (Circle), in addition to existing USDT (Tether) support in late 2022.
Overall Haru Invest Review and Score
Interest rates 5/5
Ease of use 4/5
App design and experience 5/5
Overall score: 5/5, Excellent
Haru Invest Pros
- Great interest rates
- No tiers or deposit limits
- Significant rate boosts for locking up for 15-365 days (via Earn Plus or Earn Explore)
Haru Invest Cons
- Fees for each withdrawal
Where does Haru Invest rank?
- #6 for highest-yield Bitcoin wallet
- #13 for highest-yield Ethereum wallet
- #15 for highest-yield USDC/USDT Stablecoin wallet
Haru Invest New User Bonus / Referral Code
Haru Invest FAQ
Is Haru Invest interest compounded?
Yes, Haru Invest compounds interest.
How often do you receive payouts at Haru Invest?
Where is the Haru Invest headquartered/located?
Haru Invest is located in Signapore.
Where is Haru Invest available (what countries is Haru Invest available)?
When was Haru Invest founded?
Haru Invest was founded in 2019.
Is Haru Invest available in the USA?
Yes, Haru Invest is available in the USA.
Does Haru Invest pay interest on Bitcoin?
Yes, Haru Invest pays interest on Bitcoin.
Does Haru Invest pay interest on Ethereum?
Yes, Haru Invest pays interest on Ethereum.
Does Haru Invest pay interest on Dogecoin?
No, Haru Invest does not support Dogecoin.