Account Details
- Lockup Period
- None
- Compounding
- Daily
- Fees
- None
- Availability
- Worldwide
What we like
- Extremely high APY rates
Things to know
- Higher risk profile
20 Verified Lending Platforms
Solana Lending
Compare the best SOL lending rates from top lending platforms. Earn competitive APY on your Solana with flexible or fixed-term lending options.
Account Details
- Lockup Period
- Flexible
- Compounding
- None
- Fees
- Yes
- Availability
- Worldwide, excluding US
What we like
- Long running exchange
Things to know
- Rates variable upon market
Account Details
- Lockup Period
- Flexible
- Compounding
- None
- Fees
- Yes
- Availability
- Worldwide
What we like
- Offers on and off-chain staking
- Full exchange services
Things to know
- Interest rate will vary (Kraken takes a flat 15% from staking rewards)
Robinhood
Staking ETH, SOL
SOL APY
7.41%
Lockup
Requires unstaking (unbonding)
Fees
Varies (gas fees + 15% staking commission fee)
Account Details
- Lockup Period
- Requires unstaking (unbonding)
- Compounding
- None
- Fees
- Varies (gas fees + 15% staking commission fee)
- Availability
- Worldwide
What we like
Things to know
Account Details
- Lockup Period
- None
- Compounding
- None
- Fees
- Yes
- Availability
- All US states and Singapore
What we like
- Full exchange services available
- No minimums
Things to know
Account Details
- Lockup Period
- Varies
- Compounding
- None
- Fees
- Varies
- Availability
- Worldwide
What we like
Things to know
Backpack
Exchange BTC, ETH, SOL
SOL APY
5.47%
Lockup
Unbonding period applies
Fees
None
Account Details
- Lockup Period
- Unbonding period applies
- Compounding
- Daily
- Fees
- None
- Availability
- Worldwide (lending unavailable in US, a few states restricted)
What we like
Things to know
Account Details
- Lockup Period
- None
- Compounding
- Daily
- Fees
- Varies
- Availability
- Worldwide, excluding US
What we like
- Wide variety of coins
Things to know
- High rates are tied to promotions (we’ve removed these for now since access is limited)
Account Details
- Lockup Period
- None
- Compounding
- None
- Fees
- Yes
- Availability
- 100+ countries
What we like
- Full exchange functionality
- Popular, highly trusted
- Publicly traded company
Things to know
- Relatively low rates compared to other Coinbase alternatives
- Only a few supported assets
Account Details
- Lockup Period
- None
- Compounding
- Daily
- Fees
- None
- Availability
- Worldwide
What we like
- Capital gains/tax efficiency
- Multiple stablecoins supported
Things to know
- Deposits must be on Solana chain
Nexo
loans BTC, ETH, USD
SOL APY
5.00%
Lockup
None or 1 month
Fees
Limited free withdrawls per month
Account Details
- Lockup Period
- None or 1 month
- Compounding
- Daily
- Fees
- Limited free withdrawls per month
- Availability
- Worldwide
What we like
- Good rates for all coins deposited
- Popular platform
- 1-5 free withdrawal per month depending on loyalty tier
Things to know
- $5,000 minimum deposit
- Best rates require earning in NEXO token
Account Details
- Lockup Period
- Flexible
- Compounding
- Daily
- Fees
- None
- Availability
- US only
What we like
- Popular platform
- Regulated in the US
Things to know
- Limited options compared to international Binance
- Unstaking takes time before funds are available
Account Details
- Lockup Period
- None
- Compounding
- Daily
- Fees
- Varies
- Availability
- EU only
What we like
Things to know
- Some earn rates are low
Account Details
- Lockup Period
- None
- Compounding
- Daily
- Fees
- Yes
- Availability
- Not available in the US, Canada
What we like
- Compounding interest
- No lockups
- Wide coin support
Things to know
- Not available in the US
- Better rates require heavy trading volumes
- No signup bonus
Account Details
- Lockup Period
- None
- Compounding
- Daily
- Fees
- None
- Availability
- Worldwide
What we like
- Simple, fee-free and rewarding app to manage crypto payments
- Pays interest rewards on most coins
- No lock ups
Things to know
Account Details
- Lockup Period
- None
- Compounding
- Daily
- Fees
- Yes
- Availability
- Worldwide
What we like
- Traditional retirement account tax benefits
- Native staking support added
Things to know
- Requires 10k deposit minimum
Account Details
- Lockup Period
- 10-360 days
- Compounding
- None
- Fees
- None
- Availability
- Worldwide
What we like
- Great rates for most coins if you lockup for 360 days
- Full exchange services
- Wide variety of coins supported
Things to know
- Rates vary often
- Most coins require 10 day lockup minimum, some require 30 days
Account Details
- Lockup Period
- 1-4 months
- Compounding
- None
- Fees
- None
- Availability
- UK, Europe and Latin America
What we like
- Wide variety of supported tokens
- Flexible terms
Things to know
- Limited availability beyond Europe
Account Details
- Lockup Period
- Flexible
- Compounding
- None
- Fees
- None
- Availability
- Worldwide
What we like
- Flexible deposit terms
Things to know
- Rates lower than other exchanges
Crypto.com
Lending BTC, ETH, USD
SOL APY
0.25%
Lockup
None (flexible), 1 month, 3 months
Fees
Yes
Account Details
- Lockup Period
- None (flexible), 1 month, 3 months
- Compounding
- None
- Fees
- Yes
- Availability
- Worldwide, all US states except NY
What we like
Things to know
- Deposit minimums required to earn interest
- Does not compound
- Requires CRO to unlock best rates
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How Solana Lending Works
1. Deposit SOL
Transfer your Solana to a lending platform.
2. Earn Interest
Borrowers pay interest to access your SOL. You earn APY.
3. Withdraw
Most platforms offer flexible terms. Withdraw your SOL plus earnings depending on terms.
Checklist: How to Choose a SOL Lending Platform
- Compare SOL Lending Rates Look for the highest APY on Solana lending. Rates vary between platforms and how yield is earned.
- Check Security & Audits Only use audited platforms with proven track records. Look for insurance coverage on your SOL deposits.
- Understand Lockup Terms Flexible lending allows instant withdrawals. Fixed-term lending locks your SOL for higher APY but less liquidity.
Frequently Asked Questions About Solana Lending
What is Solana lending?
Solana lending is the process of depositing your SOL into a platform or protocol that lends it to borrowers. In return, you earn interest (APY) on your deposited Solana. This is similar to earning interest in a traditional bank account, but typically with much higher rates.
What are the best SOL lending rates in 2026?
The best SOL lending rates in 2026 vary by platform and market conditions. Top platforms listed above offer competitive APY ranging from 3-12% depending on whether you choose flexible or fixed-term lending. DeFi protocols often offer higher rates but with more complexity, while CeFi platforms provide easier access with slightly lower returns.
Is Solana lending safe?
Solana lending carries risks, including smart contract vulnerabilities (DeFi), platform insolvency (CeFi), and market volatility. To minimize risk: only use audited platforms, diversify across multiple lenders, start with small amounts, and look for platforms with insurance coverage. Never lend more SOL than you can afford to lose.
How do I start lending SOL?
To start lending SOL: 1) Choose a lending platform from the comparison above, 2) Create an account and complete KYC (if required), 3) Transfer your Solana to the platform, 4) Select your lending terms (flexible or fixed), 5) Deposit your SOL and start earning interest automatically. Most platforms compound your earnings daily.
Disclaimer: Solana lending rates are variable and subject to change. APY is not guaranteed. Always do your own research (DYOR) and never lend more than you can afford to lose. Cryptocurrency lending carries significant risks.
