OneKey Earn Review 2026 | OneKey Earn Rates

Disclosure: This review may contain affiliate links

Score4.2

Join OneKey Earn

OneKey Earn is available in the United States.

OneKey Earn Snapshot

Last updated: November 11, 2026

Hardware wallet with integrated on-chain staking and DeFi earn features built directly into the app.

Pros

Private keys stay offline in the hardware wallet while you earn
Staking and DeFi through vetted partners like Lido, Morpho, and Everstake
Non-custodial throughout; you keep your funds

Cons

Full security requires buying OneKey hardware first
Rates are variable and set by each underlying protocol
Some protocols charge performance fees; unstaking varies by asset

OneKey Earn Rates

Review Yield data below to understand the source of these returns.

ETH Ethereum: Lending2.93% APY

SOL Solana: Lending5.86% APY

Last updated: November 11, 2026

OneKey Earn Bonus

5% discount on hardware wallet

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Estimates are based on OneKey Earn current APY. Rates are subject to change.

OneKey Earn Yield Scorecard

Yield Mechanics

Lending: DeFi Lending Protocols
Interest is paid by borrowers who supply collateral through decentralized lending protocols and smart contracts.

Risk & Custody

Custody Model: Non-Custodial
Track Record: Operational since 2019

Access

Lockups: Varies
Access: Worldwide

Yield methods listed are based on best known platform data. Please note that a single platform may utilize different methods depending on the specific asset, product, or jurisdiction. Platforms may also update their yield strategies at any time.

OneKey Earn Review

Quick take

OneKey Earn is the yield feature built into the OneKey app, designed to pair with OneKey hardware wallets. Instead of sending funds to an exchange, you deposit from your own wallet into third-party DeFi protocols, and the hardware device signs every transaction offline. OneKey was founded in 2019, is based in Hong Kong, and the app is available in the US and worldwide.

How earning works

You connect a OneKey hardware wallet to the app, pick an asset such as USDC or WBTC, and deposit into a vetted protocol. The named partners include Morpho, Babylon, Lido, and Everstake, covering lending markets and staking. Private keys never leave the hardware device, so deposits and withdrawals are signed offline. Earnings are tracked in the app with live deposit tracking. There is no single lockup rule: withdrawal timing, minimums, and unstaking periods are set by each product and asset, and yield is not compounded.

Rates, fees, and requirements

Returns come from the underlying protocols, so they vary by asset and product and move with DeFi conditions; current figures are in the rates table. Gas fees apply on deposits, withdrawals, and reward claims. Some protocols also charge a performance fee on earnings, which is taken from the yield rather than the principal. You need a OneKey hardware wallet to use Earn as designed.

Custody and key risks

OneKey Earn is non-custodial: you keep control of your keys and funds at all times. That removes exchange custody risk, not product risk. Deposits are exposed to smart contract failures, network problems, and liquidity crunches inside the protocols used. Product returns and withdrawal conditions can change, and any borrowing-linked product can add liquidation risk. Confirm a product's insurance scope directly; crypto earn products are not insured bank deposits.

Related features

OneKey sells the hardware wallets the app is built around, and the app itself covers wallet management and staking alongside Earn. New customers are sometimes offered a discount on a hardware wallet.

Best for

Best for hardware wallet users who want DeFi yield without handing custody to an exchange, and who are comfortable choosing among protocols with different terms.