CIR Rankings · Interest Accounts

Best Crypto Interest Accounts in 2026

Compare account-style crypto earn platforms by tracked rates, supported assets, terms, availability and important tradeoffs.

6 ranked picksCIR editorial researchData: Latest tracked rate · Checked November 10, 2026

Why trust Coin Interest Rate?

Our team independently tracks and reviews crypto rates, rewards and product features to help readers compare more than the advertised rate. We use official provider websites, product documentation and other relevant sources when evaluating products.

80+ crypto platforms tracked across staking, lending, cards and other digital asset products.
Hundreds of rates tracked alongside features, availability and key risk factors.
Independent comparisons. Compensation does not guarantee favorable coverage. Editorial control remains ours.

Read our full methodology

Crypto interest accounts are platform products that pay a rate or reward for depositing supported assets. Matching account-style platforms are ordered definitively by score, with rates and product details shown for evaluation.

Risk note: A crypto interest account is not a bank savings account. Depositors can face platform, custody, counterparty, liquidity, asset and regulatory risks, including the risk of total loss. Disclosure: Rates and terms change. Some outbound links may compensate Coin Interest Rate. Affiliate terms do not impact our editorial reviews.

The short list

Our picks at a glance

Lune

Score4.7

Stablecoins rate

29.5%

CoinDepo

Score4.6

Bitcoin rate

11% base · up to 18%

Clapp Finance

Score4.5

Stablecoins rate

0% base · up to 8.2%

Gemini

Score4.4

Solana rate

Phemex

Score4.3

Stablecoins rate

2% base · up to 5%

Bitvavo

Score4.3

Solana rate

0% base · up to 3.4%

Compare the picks

Compare the details side by side, then open each review to check eligibility, terms and important tradeoffs.

Pick	Ranking	Top tracked asset	Tracked assets	Tracked rate	Product type	Lockup	Availability
Lune	Ranked #1	Stablecoins	Stablecoins, Bitcoin, Ethereum	29.5%	Crypto exchange	1-360 days	Worldwide
CoinDepo	Ranked #2	Bitcoin	Stablecoins, Bitcoin, Ethereum, Solana, XRP, Litecoin, Dogecoin	11% base · up to 18%	Crypto earn platform	None	Worldwide
Clapp Finance	Ranked #3	Stablecoins	Stablecoins, Bitcoin, Ethereum	0% base · up to 8.2%	Crypto exchange	None to 12 months	Available in the US and other supported countries; product access varies by jurisdiction
Gemini	Ranked #4	Solana	Ethereum, Solana	6%	Crypto exchange	None	Selected countries; not available in the UK, EEA or Australia.
Phemex	Ranked #5	Stablecoins	Stablecoins, Bitcoin, Ethereum, Solana	2% base · up to 5%	Crypto exchange	Check product	Restricted in the U.S., UK, Australia and other listed jurisdictions; Canadian restrictions include Ontario, Quebec, Alberta and Saskatchewan.
Bitvavo	Ranked #6	Solana	Bitcoin, Ethereum, Solana	0% base · up to 3.4%	Crypto exchange	None	EU only

Detailed review

Why these options made the list

Lune

Score4.7

Stablecoins rate

29.5%

Tracked assets: Stablecoins, Bitcoin, Ethereum
Product: Crypto exchange
Availability: Worldwide
Lockup: 1-360 days

Lune ranks #1 in this account-style comparison based on its score. Its strongest tracked offer is 29.5% on stablecoins, with offers currently tracked for Stablecoins, Bitcoin, Ethereum. That rate should be weighed against its product type, custody model, access and withdrawal terms.

Why consider it

+29.5% tracked stablecoins rate.
+Tracked offers for Stablecoins, Bitcoin, Ethereum.
+Crypto exchange. Terms: 1-360 days.
+Availability: Worldwide.

Tradeoffs to check

!29.5% APR requires the 360-day Earn pool. Early withdrawal conditions apply; confirm account and regional eligibility before depositing.
!Crypto earn accounts are not insured bank savings accounts.
!Fees: Gas/on-chain transaction fees.

Full review Visit LuneChecked October 20, 2026

CoinDepo

Score4.6

Bitcoin rate

11% base · up to 18%

Tracked assets: Stablecoins, Bitcoin, Ethereum, Solana, XRP, Litecoin, Dogecoin
Product: Crypto earn platform
Availability: Worldwide
Lockup: None

CoinDepo ranks #2 in this account-style comparison based on its score. Its strongest tracked offer is 11% base · up to 18% on bitcoin, with offers currently tracked for Stablecoins, Bitcoin, Ethereum, Solana, XRP, Litecoin, Dogecoin. That rate should be weighed against its product type, custody model, access and withdrawal terms.

Why consider it

+11% base · up to 18% tracked bitcoin rate.
+Tracked offers for Stablecoins, Bitcoin, Ethereum, Solana, XRP, Litecoin, Dogecoin.
+Crypto earn platform. Terms: None.
+Availability: Worldwide.

Tradeoffs to check

!APR by interest account term: daily 11%, weekly 12%, monthly 13.5%, quarterly 15%, semiannual 16%, annual 18%. Confirm account and jurisdiction eligibility before depositing.
!Crypto earn accounts are not insured bank savings accounts.
!Fees: Check platform.

Full review Visit CoinDepoChecked November 7, 2026

Clapp Finance

Score4.5

Stablecoins rate

0% base · up to 8.2%

Tracked assets: Stablecoins, Bitcoin, Ethereum
Product: Crypto exchange
Availability: Available in the US and other supported countries; product access varies by jurisdiction
Lockup: None to 12 months

Clapp Finance ranks #3 in this account-style comparison based on its score. Its strongest tracked offer is 0% base · up to 8.2% on stablecoins, with offers currently tracked for Stablecoins, Bitcoin, Ethereum. That rate should be weighed against its product type, custody model, access and withdrawal terms.

Why consider it

+0% base · up to 8.2% tracked stablecoins rate.
+Tracked offers for Stablecoins, Bitcoin, Ethereum.
+Crypto exchange. Terms: None to 12 months.
+Availability: Available in the US and other supported countries; product access varies by jurisdiction.

Tradeoffs to check

!Advertised up-to ceiling for a 12-month Fixed Savings term. Eligibility, jurisdiction and provider terms apply. Asset page does not establish a broadly attainable base rate.
!Crypto earn accounts are not insured bank savings accounts.
!Fees: Yes (network fees).

Full review Visit Clapp FinanceChecked October 25, 2026

Gemini

Score4.4

Solana rate

Tracked assets: Ethereum, Solana
Product: Crypto exchange
Availability: Selected countries; not available in the UK, EEA or Australia.
Lockup: None

Gemini ranks #4 in this account-style comparison based on its score. Its strongest tracked offer is 6% on solana, with offers currently tracked for Ethereum, Solana. That rate should be weighed against its product type, custody model, access and withdrawal terms.

Why consider it

+6% tracked solana rate.
+Tracked offers for Ethereum, Solana.
+Crypto exchange. Terms: None.
+Availability: Selected countries; not available in the UK, EEA or Australia..

Tradeoffs to check

!Confirm the eligible asset, balance tier and product.
!Crypto earn accounts are not insured bank savings accounts.
!Fees: Yes.

Full review Visit GeminiChecked May 11, 2026

Phemex

Score4.3

Stablecoins rate

2% base · up to 5%

Tracked assets: Stablecoins, Bitcoin, Ethereum, Solana
Product: Crypto exchange
Availability: Restricted in the U.S., UK, Australia and other listed jurisdictions; Canadian restrictions include Ontario, Quebec, Alberta and Saskatchewan.
Lockup: Check product

Phemex ranks #5 in this account-style comparison based on its score. Its strongest tracked offer is 2% base · up to 5% on stablecoins, with offers currently tracked for Stablecoins, Bitcoin, Ethereum, Solana. That rate should be weighed against its product type, custody model, access and withdrawal terms.

Why consider it

+2% base · up to 5% tracked stablecoins rate.
+Tracked offers for Stablecoins, Bitcoin, Ethereum, Solana.
+Crypto exchange. Terms: Check product.
+Availability: Restricted in the U.S., UK, Australia and other listed jurisdictions; Canadian restrictions include Ontario, Quebec, Alberta and Saskatchewan..

Tradeoffs to check

!USDT Flexible Savings: 5% on the first 50,000 USDT and 2% from 50,000 to 500,000 USDT. Individual cap 500,000 USDT; total pool cap 10 million USDT.
!Crypto earn accounts are not insured bank savings accounts.
!Fees: Check platform.

Full review Visit PhemexChecked August 23, 2026

Bitvavo

Score4.3

Solana rate

0% base · up to 3.4%

Tracked assets: Bitcoin, Ethereum, Solana
Product: Crypto exchange
Availability: EU only
Lockup: None

Bitvavo ranks #6 in this account-style comparison based on its score. Its strongest tracked offer is 0% base · up to 3.4% on solana, with offers currently tracked for Bitcoin, Ethereum, Solana. That rate should be weighed against its product type, custody model, access and withdrawal terms.

Why consider it

+0% base · up to 3.4% tracked solana rate.
+Tracked offers for Bitcoin, Ethereum, Solana.
+Crypto exchange. Terms: None.
+Availability: EU only.

Tradeoffs to check

!The maximum rate may require a tier, term, balance or promotion.
!Crypto earn accounts are not insured bank savings accounts.
!Fees: Varies.

Full review Visit BitvavoChecked October 25, 2026

How we chose these picks

1.We reviewed account-style platforms for which CIR tracks a rate on stablecoins, Bitcoin, Ethereum, Solana, XRP, Litecoin or Dogecoin.
2.On-chain DeFi and explicitly non-custodial products are evaluated separately because their structure and risks are materially different.
3.Score determines the definitive ranking order among matching platforms.
4.A tracked rate is used only to break an exact score tie; platform name is the final deterministic tie-breaker.
5.Each platform is represented by its strongest tracked asset offer, with base and conditional maximum rates separated where available.
6.Custody, geography, lockups, fees and withdrawal conditions are displayed for evaluation and do not override score.

Read the full Coin Interest Rate methodology

Interest accounts, staking and DeFi are different products

An account-style platform usually takes custody of deposited assets and determines how rewards are generated and paid. Staking earns protocol rewards for helping secure a proof-of-stake network, while DeFi lending and liquidity products interact with smart contracts and on-chain markets.

These categories can display similar APY figures while exposing users to different risks. Compare the source of return before comparing the percentage.

Account yield may depend on lending, platform incentives or an internally managed program.
Staking rewards depend on network economics and may involve unstaking delays or slashing.
DeFi returns may involve smart-contract, oracle, liquidity and composability risk.
Promotional rates may expire or apply only to a limited balance.

Frequently asked questions

What is a crypto interest account?

It is a platform product that pays a rate or reward on deposited cryptocurrency. The platform may lend, stake or otherwise deploy assets, so the source of return and risks vary by provider and product.

Are crypto interest accounts safe?

They carry risks that bank savings accounts generally do not, including platform failure, custody loss, counterparty defaults, asset problems, withdrawal restrictions and regulatory changes. No rate eliminates those risks.

Which crypto pays the most interest?

The highest tracked rate changes frequently and may be conditional. Stablecoins often have different lending demand than Bitcoin or Ethereum, while promotional and long-term offers may not be directly comparable.