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SmartFi is not available or limited in the US. See USA crypto interest accounts available for US users.

SmartFi Interest Rates

BTC Bitcoin

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1% - 2%

ETH Ethereum

3% - 3.45%

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

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7% - 7.5%

SmartFi Facts

SmartFi Facts

Founded 2021

Compounding interest


Withdrawal fees



Worldwide (Earn program available only for accredited investors)

Lockup terms




SmartFi white logo smartfi.com

SmartFi Review

Nexo: Get $500

SmartFi is a US-based, crypto interest account platform. SmartFi pays interest on BTC, ETH, USDC and USDT stablecoins, however you must be an accredited US investor to earn interest.

Interest compounds daily and is paid our weekly.

SmartFi describes itself as a digital wealth creation service that provides easy to use financial tools to earn, trade and lend cryptocurrencies. It offers tools for buying, trading, swapping and lending crypto.

SmartFi also has a crypto loan program, where you can borrow stablecoins with BTC or ETH as collateral.

See also:  Coinbase Earn

SmartFi Pros

  • No lock ups

SmartFi Cons

  • Earn program limited to accredited investors in the US
  • Withdraw fees vary by coin and are relatively high

Where does SmartFi rank?

SmartFi Alternatives

SmartFi FAQ

Is SmartFi interest compounded?

Yes, SmartFi compounds interest.

How often do you receive payouts at SmartFi?


Where is the SmartFi headquartered/located?

SmartFi is located in Utah, United States.

Where is SmartFi available (what countries is SmartFi available)?

Worldwide (Earn program available only for accredited investors).

When was SmartFi founded?

SmartFi was founded in 2021.

Is SmartFi available in the USA?

No, SmartFi is not available in the USA.

Does SmartFi pay interest on Bitcoin?

Yes, SmartFi pays interest on Bitcoin.

Does SmartFi pay interest on Ethereum?

Yes, SmartFi pays interest on Ethereum.

Does SmartFi pay interest on Dogecoin?

No, SmartFi does not support Dogecoin.

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Questions or comments about SmartFi?

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