Fixed-Term Crypto Savings Compared: Rates, Terms and Access
Compare fixed-term crypto savings by asset, actual duration, rate conditions, early exit, renewal, custody and country access.
3 providers with published ratesOfficial product sourcesData: Checked October 28, 2026
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Choose a term that matches when you need your funds. Compare published rates for the same asset and duration, then check the conditions behind your account’s offer.
Risk note: Crypto savings products are not insured bank deposits. You may be lending assets to a centralized provider and can lose principal through provider failure, asset losses or withdrawal restrictions. Disclosure: Rates and terms change. Some outbound links may compensate Coin Interest Rate. Affiliate terms do not impact our editorial reviews. Full disclaimer
Read across each row to compare the same asset over different terms. Only providers with a published numeric rate, an actual duration and a recent source check are included. Published maximums are labelled; base rates that are not disclosed are not assumed.
7 assets · 3 providers · 5 durations
Clapp Finance: Rate (APR / APY)
Maximums and promotional rates are labelled. Where a base rate is not published, confirm the offer for your balance.
Scroll across to see every duration and source.
Clapp Finance fixed-term rates by asset and calendar-month duration
Nebeus calls its annual reward RPY; its Renting terms describe APR on a simple, non-compounding basis.
Verified account required in a jurisdiction where Renting is offered. Country and asset access are determined before activation; not worldwide availability. Read the savings terms.
Nexo: Rate (APR / APY)
Maximums and promotional rates are labelled. Where a base rate is not published, confirm the offer for your balance.
Scroll across to see every duration and source.
Nexo fixed-term rates by asset and calendar-month duration
Nexo quotes annual interest, without an APR/APY label. NEXO-token payouts use simple interest; in-kind payouts use a compound model. Do not compare the two as the same calculation.
These Fixed-term Yield figures are for eligible US residents only. Check state, asset and account access; international Savings has different terms. Read the savings terms.
No published offers match this asset and duration. Try another selection.
Compare the same asset and duration. Published rates are not a personal quote; confirm minimums, tiers, fees and eligibility. Rates change — verify current terms with the provider.
Detailed review
Terms and tradeoffs to consider
#1 · Published term rates
Clapp Finance
Available durations
1, 3, 6, 12 months
Assets
BTC, ETH, USDC, USDT
Interest payment
At maturity
Rate during term
Set at activation; verify offer
Renewal
Automatic renewal enabled by default
Minimum deposit
Asset and product minimum shown in the app; website calculator bounds are not confirmed minimums.
Rate basis
APR as stated in provider terms
Consider Clapp if you want a rate set at opening and can leave funds until maturity. Compare its published maximums by asset and term, then check the offer for your balance. Its savings product is not actively offered to residents of Canada, the US or the UK.
Why consider it
+Published rates for 1, 3, 6, 12-month commitments, with each asset compared separately.
+Rate set at opening; renewal rate may change.
+At maturity, in the deposited asset; conversion on withdrawal is a separate choice.
Tradeoffs to check
!Not actively offered to Canada, US or UK residents. Other country and identity checks apply in the app.
!Savings transfers ownership to the provider; an unsecured lending claim, outside wallet custody.
!Support approval required; approved early closure forfeits accrued interest.
!Enabled by default; principal and interest renew at the new rate unless disabled.
!Base rate and maximum-rate tiers not published; obtain the offer shown for your balance.
!The website describes daily compounding, while binding savings terms say fixed-term interest is paid at maturity. Confirm the calculation before projecting earnings.
Set per program and asset in the activation screen.
Rate basis
APR as stated in provider terms
Consider Nebeus if you want daily rewards with a one- or four-month initial commitment. Bonsai and Juniper cover shorter commitments; Baobab and Sequoia advertise promotional rates for four-month programs. Check the reward currency and offer shown before activation.
Why consider it
+Published rates for 1, 4-month commitments, with each asset compared separately.
+Program APR is disclosed at activation; promotional availability and future offers can change.
+Daily rewards for current programs; selected reward currency can differ from the deposited asset.
Tradeoffs to check
!Verified account required in a jurisdiction where Renting is offered. Country and asset access are determined before activation; not worldwide availability.
!Assets delegated to Rintral Capital; operational custody and deployment are handled through the Nebeus group and counterparties.
!No standard early withdrawal during the commitment; exceptions must be expressly allowed in the activation terms.
!Cancellation is available after the initial commitment; confirm continuation and renewal settings at activation.
!Bonsai published annual rate. Confirm the activation offer, minimum and any applicable fees.
!Baobab promotional maximum; confirm campaign access and the offer at activation. Standard base rate not confirmed.
!Juniper published annual rate. Confirm the activation offer, minimum and any applicable fees.
!Sequoia promotional maximum; confirm campaign access and the offer at activation. Standard base rate not confirmed.
!Nebeus calls its annual reward RPY; its Renting terms describe APR on a simple, non-compounding basis.
$5,000 portfolio balance plus about $500 per asset; in-kind minimums update monthly.
Rate basis
Annual interest; not labelled APR/APY
Consider Nexo Fixed-term Yield if you are an eligible US resident and want fixed terms alongside an existing Nexo account. Maximum rates depend on Wealth Club status and payout choice. These US figures should not be used to estimate returns on international Fixed-term Savings.
Why consider it
+Published rates for 1, 3-month commitments, with each asset compared separately.
+The duration is fixed; the rate can change with Wealth Tier, payout choice and eligibility.
+At maturity, in kind or in NEXO Tokens. The maximum may require NEXO-token payment.
Tradeoffs to check
!These Fixed-term Yield figures are for eligible US residents only. Check state, asset and account access; international Savings has different terms.
!Nexo controls deposited assets; review the applicable custody and asset-use agreement.
!No ordinary cancellation before maturity. Optional credit-line unlock moves assets into loan collateral; it is not a cash withdrawal.
!Automatic renewal enabled by default; principal-only renewal unless renewal with interest is selected.
!Published maximum requires Signature Wealth Club status (2,000,000 NEXO Tokens); payout choice also affects the rate. Base rate not published.
!Nexo quotes annual interest, without an APR/APY label. NEXO-token payouts use simple interest; in-kind payouts use a compound model. Do not compare the two as the same calculation.
1.We include centralized providers only when an official source supplies a numeric rate and a specific term, with a source check no more than 14 days old.
2.Providers without published rate figures are excluded. Hidden platforms and DeFi products are excluded before selecting offers.
3.Rates are compared within the same asset, duration and calculation basis. Nexo annual interest is kept as quoted rather than relabelled APR or APY. An undisclosed base rate is never treated as zero.
4.A maximum with unresolved conditions does not establish the return available to every depositor. Provider summaries are alphabetical, not a market-wide rate ranking. Promotional conditions and different calculation bases can make headline figures incomparable.
5.Editorial scores are separate from interest rates. A score is not investment advice or a guarantee of safety or returns.
6.Review minimums, tiers, reward currency, renewal settings and country eligibility in your own offer. Verify product terms.
A calendar month can contain 28, 29, 30 or 31 days. A three-month term is not automatically a 90-day deposit, and 12 calendar months are not 360 days. Check the opening and maturity dates before depositing.
A fixed term sets the commitment period. A fixed interest rate is a separate product term: check whether it is set at opening and what happens at renewal.
You may lose the ability to withdraw, switch providers, sell during volatility or use the balance as collateral. Interest can accrue without becoming withdrawable. Check the renewal setting before maturity.
Compare earnings on the same basis
For an illustrative 10,000 units at 6% APR over exactly 90 days, simple interest on a 365-day basis is 10,000 × 0.06 × 90 ÷ 365 = 147.95 units before fees and taxes. At 6% APY, the corresponding return is 10,000 × ((1.06)^(90/365) − 1), about 144.71 units. APR and APY are different figures.
These are calculation examples, not provider offers. Use the rate applicable to your full balance, including marginal tiers and any subscription cost. A maximum with unconfirmed conditions cannot establish your earnings.
“Savings” is a product name here, not a bank deposit. Do not assume that a wallet’s custody protections apply after assets enter an earn product. Keeping the payout in the deposited asset does not remove market or provider risk.
The GENIUS Act restricts permitted payment-stablecoin issuers from paying interest or yield solely for holding, using or retaining a payment stablecoin. The third-party products below are separate from issuer-paid yield and have their own terms and risks.
Country access applies to the specific savings product. Being able to open a wallet or use an exchange does not establish that you can use its earn products.
Is a fixed-term crypto savings product a bank deposit?+
No. These products can involve lending assets to a centralized provider. Provider failure, withdrawal restrictions and asset losses can affect principal, and the products are not insured bank deposits.
Can I withdraw before the term ends?+
Early access depends on the product. Clapp requires support approval and forfeits accrued interest if approved. Nebeus has no standard early exit, and Nexo does not allow ordinary cancellation before maturity. Do not commit funds you may need before maturity.
Does a published maximum apply to my entire balance?+
Not necessarily. Balance tiers, account conditions, payout choices and country eligibility can affect the rate. Confirm the offer for your full balance rather than projecting earnings from a maximum alone.
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