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Haru Invest Interest Rates

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4.5% - 12%

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4.2% - 11.5%

USDx Stablecoin Any supported USD-based stablecoin, such as USDC/USDT

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6% - 13%

Interest rates last updated November 23, 2022.

Haru Invest Facts

Haru Invest Facts

Founded 2019

Compounding interest


Withdrawal fees




Lockup terms

None, or 15 to 365 days



Join Haru Invest haru.invest

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 Review

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
Haru: There is a better way to HODL

Haru Invest is a highly competitive crypto lending & savings account platform that features some of the highest crypto interest rates available.

Haru Invest contains multiple products inside its app:

  • Earn Plus: Fixed-rate up to 17.2% APR, flexible lock-up period, and earnings can be withdrawn daily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 $25 BTC bonus.

Haru’s 3 unique wallets explained

Haru features

How does Haru generate its return for its users?

How does Haru Invest create the high yields? Unlike other services that focused 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 counterparty 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 accounts that pay interest on XRP (Ripple).

Earn interest on USDC

Haru wallet added USDC (Circle) support in November 2022.

Overall Haru Invest Review and Score

Interest rates 5/5
Ease of use 4/5
Features 4/5
App design and experience 5/5

Overall score: 5/5, Excellent

Where does Haru Invest rank?

Haru Invest New User Bonus / Referral Code

$25 BTC with $500 deposit

Haru Invest Alternatives

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.

Questions or comments about Haru Invest?

Our team is here to answer them.