CIR Rankings · Earn Through Lending

Top Crypto Lending Platforms in 2026

Compare highly rated crypto lending platforms where depositors can earn yield, with current rates, assets, product terms and availability.

6 ranked picksCIR editorial researchData: Latest tracked lending 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

This ranking is for crypto holders who want to earn by supplying assets to a lending product—not for people shopping for a crypto-backed loan. We use CIR platform ratings as a quality signal, then compare current lending rates, supported assets, access and terms without displaying the rating as a substitute for due diligence.

Risk note: Crypto lending is not an insured savings account. Depositors can lose money through platform failure, borrower or counterparty defaults, custody loss, smart-contract exploits, liquidity restrictions or asset depegging. 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

1Highest score

Lune

USDC lending rate

29.5%

2Stablecoin lending option

CoinDepo

USDC lending rate

15% base · up to 22%

3Bitcoin lending option

Phemex

BTC lending rate

1% base · up to 3%

4U.S.-available option

Kraken

USDT lending rate

5Flexible-term option

Bitvavo

BTC lending rate

0.01%

6DeFi lending option

KAST

USDC lending rate

3.3% base · up to 7%

Compare the picks

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

Pick	Category	Featured asset	Tracked lending rate	Product	Term	Availability
Lune	Highest score	USDC	29.5%	Fixed-term	360 days	Worldwide
CoinDepo	Stablecoin lending option	USDC	15% base · up to 22%	Flexible	Daily to annual interest account terms	Worldwide
Phemex	Bitcoin lending option	BTC	1% base · up to 3%	Flexible	Check product	Restricted in the U.S., UK, Australia and other listed jurisdictions; Canadian restrictions include Ontario, Quebec, Alberta and Saskatchewan.
Kraken	U.S.-available option	USDT	4%	Flexible	Check product	Available in supported jurisdictions; U.S. restrictions include Maine and New York. Assets and funding vary by location.
Bitvavo	Flexible-term option	BTC	0.01%	Flexible	Flexible; no fixed lockup.	EU only
KAST	DeFi lending option	USDC	3.3% base · up to 7%	Flexible	Check product	Available in supported countries; card and features vary by region

Detailed review

Why these options made the list

#1 · Highest score

Lune

USDC lending rate

29.5%

Tracked asset: USDC
Product: Fixed-term
Term: 360 days
Availability: Worldwide

Lune appears in the “Highest score” category after applying the stated score, asset, product, term and availability filters. Its featured USDC offer is 29.5%; confirm how borrower demand, tiers and product rules affect the actual return.

Why consider it

+29.5% tracked lending rate on USDC.
+Fixed-term product. Terms: 360 days.
+Availability: Worldwide.

Tradeoffs to check

!29.5% requires the 360-day term. Early withdrawal terms apply; verify the selected pool before depositing.
!Lending rates are variable and can fall as market demand and utilization change.
!Depositor funds can face platform, counterparty, custody, liquidity and smart-contract risk.

Full review Visit LuneChecked October 20, 2026

#2 · Stablecoin lending option

CoinDepo

USDC lending rate

15% base · up to 22%

Tracked asset: USDC
Product: Flexible
Term: Daily to annual interest account terms
Availability: Worldwide

CoinDepo appears in the “Stablecoin lending option” category after applying the stated score, asset, product, term and availability filters. Its featured USDC offer is 15% base · up to 22%; confirm how borrower demand, tiers and product rules affect the actual return.

Why consider it

+15% base · up to 22% tracked lending rate on USDC.
+Flexible product. Terms: Daily to annual interest account terms.
+Availability: Worldwide.

Tradeoffs to check

!APR by interest account term: daily 15%, weekly 16%, monthly 17.5%, quarterly 19%, semiannual 20%, annual 22%. Confirm account and jurisdiction eligibility before depositing.
!Lending rates are variable and can fall as market demand and utilization change.
!Depositor funds can face platform, counterparty, custody, liquidity and smart-contract risk.

Full review Visit CoinDepoChecked November 7, 2026

#3 · Bitcoin lending option

Phemex

BTC lending rate

1% base · up to 3%

Tracked asset: BTC
Product: Flexible
Term: Check product
Availability: Restricted in the U.S., UK, Australia and other listed jurisdictions; Canadian restrictions include Ontario, Quebec, Alberta and Saskatchewan.

Phemex appears in the “Bitcoin lending option” category after applying the stated score, asset, product, term and availability filters. Its featured BTC offer is 1% base · up to 3%; confirm how borrower demand, tiers and product rules affect the actual return.

Why consider it

+1% base · up to 3% tracked lending rate on BTC.
+Flexible product. 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

!Lockup for 14 days
!Lending rates are variable and can fall as market demand and utilization change.
!Depositor funds can face platform, counterparty, custody, liquidity and smart-contract risk.

Full review Visit PhemexChecked May 11, 2026

#4 · U.S.-available option

Kraken

USDT lending rate

Tracked asset: USDT
Product: Flexible
Term: Check product
Availability: Available in supported jurisdictions; U.S. restrictions include Maine and New York. Assets and funding vary by location.

Kraken appears in the “U.S.-available option” category after applying the stated score, asset, product, term and availability filters. Its featured USDT offer is 4%; confirm how borrower demand, tiers and product rules affect the actual return.

Why consider it

+4% tracked lending rate on USDT.
+Flexible product. Terms: Check product.
+Availability: Available in supported jurisdictions; U.S. restrictions include Maine and New York. Assets and funding vary by location..

Tradeoffs to check

!Flexible Opt-In Rewards; variable 4.00% APR; maximum eligible balance 10 million USDT. Verified account and supported jurisdiction required; flexible product available in Kraken Pro. Fixed-rate and legacy bonded products are separate.
!Lending rates are variable and can fall as market demand and utilization change.
!Depositor funds can face platform, counterparty, custody, liquidity and smart-contract risk.

Full review Visit KrakenChecked October 5, 2026

#5 · Flexible-term option

Bitvavo

BTC lending rate

0.01%

Tracked asset: BTC
Product: Flexible
Term: Flexible; no fixed lockup.
Availability: EU only

Bitvavo appears in the “Flexible-term option” category after applying the stated score, asset, product, term and availability filters. Its featured BTC offer is 0.01%; confirm how borrower demand, tiers and product rules affect the actual return.

Why consider it

+0.01% tracked lending rate on BTC.
+Flexible product. Terms: Flexible; no fixed lockup..
+Availability: EU only.

Tradeoffs to check

!Bitvavo flexible BTC lending. Enable Lending in Earn hub; assets may be lent to institutional partners or margin users. Rates vary; daily accrual and weekly Monday payments. Assets remain available to trade or withdraw; jurisdiction restrictions apply.
!Lending rates are variable and can fall as market demand and utilization change.
!Depositor funds can face platform, counterparty, custody, liquidity and smart-contract risk.

Full review Visit BitvavoChecked October 25, 2026

#6 · DeFi lending option

KAST

USDC lending rate

3.3% base · up to 7%

Tracked asset: USDC
Product: Flexible
Term: Check product
Availability: Available in supported countries; card and features vary by region

KAST appears in the “DeFi lending option” category after applying the stated score, asset, product, term and availability filters. Its featured USDC offer is 3.3% base · up to 7%; confirm how borrower demand, tiers and product rules affect the actual return.

Why consider it

+3.3% base · up to 7% tracked lending rate on USDC.
+Flexible product. Terms: Check product.
+Availability: Available in supported countries; card and features vary by region.

Tradeoffs to check

!Confirm asset, balance and account eligibility with the platform.
!Lending rates are variable and can fall as market demand and utilization change.
!Depositor funds can face platform, counterparty, custody, liquidity and smart-contract risk.

Full review Visit KASTChecked May 11, 2026

How we chose these picks

1.We include active, visible platforms with a positive normalized rate categorized as lending; borrowing products and non-lending staking or reward offers are excluded.
2.CIR platform ratings are the first ordering signal, followed by the tracked base lending rate and platform name as tie-breakers.
3.Category labels surface stablecoin, Bitcoin, U.S.-available, flexible-term and DeFi options. Because each platform appears only once, a category label does not always identify the absolute leader for that single field.
4.Conditional maximum rates are shown separately from base rates and do not outrank a platform on their own.
5.Readers should verify the yield source, custody model, eligibility, withdrawal rules and current rate directly with the provider.

Read the full Coin Interest Rate methodology

How earning through crypto lending works

A lending product puts deposited crypto to work by making liquidity available to borrowers. Depositors receive part of the interest borrowers pay, while the platform or protocol may retain a spread or charge other fees.

The displayed APY does not explain the whole product. Custodial platforms control deposited assets and manage counterparties, while DeFi lending uses smart contracts and on-chain collateral. Those structures create different failure, liquidity and recovery risks.

Compare base APY before a conditional maximum or temporary promotion.
Identify whether the platform lends assets directly, routes them to a protocol or uses another yield source.
Check withdrawal timing, balance tiers, loyalty-token requirements and geographic restrictions.
Diversification can reduce concentration but cannot eliminate platform or market-wide risk.

Frequently asked questions

What is the best crypto lending platform for earning interest?

The first selection is the highest-rated eligible CIR lending platform, with its tracked base rate used as a tie-breaker. The right platform for you also depends on the asset, jurisdiction, custody model, terms and risks you are willing to accept.

Is crypto lending the same as staking?

No. Lending yield generally comes from interest paid by borrowers. Native staking rewards come from helping secure a proof-of-stake network. Some platforms place both under an Earn menu, but their return sources and risks differ.

Why can the maximum APY be higher than the base rate?

A maximum may require a specific balance, term, loyalty tier, platform token or promotion. Compare the rate you can actually qualify for rather than treating every advertised maximum as broadly available.

Are crypto lending earnings safe?

They carry material risks and are not equivalent to insured bank interest. Platform insolvency, counterparty defaults, custody loss, smart-contract exploits, withdrawal limits and asset failures can reduce or eliminate principal.