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 September 11, 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 are variable. Some outbound links may compensate Coin Interest Rate, but compensation does not determine CIR ratings, inclusion or category labels.

The short list

Our picks at a glance

1Highest score

Lune

USDC lending rate

29.5%

2Stablecoin lending option

CoinDepo

DAI lending rate

17% base · up to 23%

3Bitcoin lending option

Tuyo

BTC lending rate

1.6%

4U.S.-available option

Wirex

DAI lending rate

5Flexible-term option

LendProtocol

RLUSD lending rate

12%

6DeFi lending option

Kraken

USDC lending rate

3.75%

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%	Flexible	1-360 days	Worldwide
CoinDepo	Stablecoin lending option	DAI	17% base · up to 23%	Flexible	None	Worldwide
Tuyo	Bitcoin lending option	BTC	1.6%	Flexible	Check product	Worldwide, excluding the UK
Wirex	U.S.-available option	DAI	6%	Flexible	None	Worldwide, excluding NY
LendProtocol	Flexible-term option	RLUSD	12%	Flexible	Flexible; no lockup	Worldwide, excluding US
Kraken	DeFi lending option	USDC	3.75%	Flexible	Check product	Available in supported jurisdictions; U.S. restrictions include Maine and New York. Assets and funding vary by location.

Detailed review

Why these options made the list

#1 · Highest score

Lune

USDC lending rate

29.5%

Tracked asset: USDC
Product: Flexible
Term: 1-360 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.
+Flexible product. Terms: 1-360 days.
+Availability: Worldwide.

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 LuneRate checked August 11, 2026

#2 · Stablecoin lending option

CoinDepo

DAI lending rate

17% base · up to 23%

Tracked asset: DAI
Product: Flexible
Term: None
Availability: Worldwide

CoinDepo appears in the “Stablecoin lending option” category after applying the stated score, asset, product, term and availability filters. Its featured DAI offer is 17% base · up to 23%; confirm how borrower demand, tiers and product rules affect the actual return.

Why consider it

+17% base · up to 23% tracked lending rate on DAI.
+Flexible product. Terms: None.
+Availability: Worldwide.

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 CoinDepoRate checked August 6, 2026

#3 · Bitcoin lending option

Tuyo

BTC lending rate

1.6%

Tracked asset: BTC
Product: Flexible
Term: Check product
Availability: Worldwide, excluding the UK

Tuyo appears in the “Bitcoin lending option” category after applying the stated score, asset, product, term and availability filters. Its featured BTC offer is 1.6%; confirm how borrower demand, tiers and product rules affect the actual return.

Why consider it

+1.6% tracked lending rate on BTC.
+Flexible product. Terms: Check product.
+Availability: Worldwide, excluding the UK.

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 TuyoRate checked May 11, 2026

#4 · U.S.-available option

Wirex

DAI lending rate

Tracked asset: DAI
Product: Flexible
Term: None
Availability: Worldwide, excluding NY

Wirex appears in the “U.S.-available option” category after applying the stated score, asset, product, term and availability filters. Its featured DAI offer is 6%; confirm how borrower demand, tiers and product rules affect the actual return.

Why consider it

+6% tracked lending rate on DAI.
+Flexible product. Terms: None.
+Availability: Worldwide, excluding NY.

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 WirexRate checked May 11, 2026

#5 · Flexible-term option

LendProtocol

RLUSD lending rate

12%

Tracked asset: RLUSD
Product: Flexible
Term: Flexible; no lockup
Availability: Worldwide, excluding US

LendProtocol appears in the “Flexible-term option” category after applying the stated score, asset, product, term and availability filters. Its featured RLUSD offer is 12%; confirm how borrower demand, tiers and product rules affect the actual return.

Why consider it

+12% tracked lending rate on RLUSD.
+Flexible product. Terms: Flexible; no lockup.
+Availability: Worldwide, excluding US.

Tradeoffs to check

!Minimum deposit: 10 RLUSD. Flexible withdrawals, no lockup, and daily interest compounding. Not available to US users.
!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 LendProtocolRate checked July 21, 2026

#6 · DeFi lending option

Kraken

USDC lending rate

3.75%

Tracked asset: USDC
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 “DeFi lending option” category after applying the stated score, asset, product, term and availability filters. Its featured USDC offer is 3.75%; confirm how borrower demand, tiers and product rules affect the actual return.

Why consider it

+3.75% tracked lending rate on USDC.
+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 3.75% APR, maximum eligible balance 10 million USDC. Geographic restrictions apply. Separate bonded and fixed-rate products excluded.
!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 KrakenRate checked September 7, 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.