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Where can US users earn interest on crypto?

Looking for the best crypto interest account platforms that are available in the USA? Here are all the supported platforms available for new United States (USA) users.

 

Interest Rates

 

Sign Up Bonus

Additional Info

Favorable/Unfavorable Factors

About

 

BTC

ETH

SOL

LTC

DOGE

Stablecoin

Compounds

Bonus

 

Payouts

Lockups

Withdrawal Fees

Pros

Cons

Founded

HQ/Location

Native Token

Availability

2.5%

2.5%

n/a

n/a

n/a

6.5%

Yes

$30 after $50 deposit

Sign up

Weekly

None

Yes

  • Broad array of deFi-like products and high interest rates
  • Fully owned by both co-founders
  • Products are more complex or require more lockup time than other platforms

2019

Singapore

DFI

Not available in NY and some countries

0.2%

0.2%

0.25%

0.1%

n/a

0.4%

No

$25 after reserving credit card (requires CRO purchase). Use referral code: hmbqqfpsej

Sign up

Weekly

None (flexible), 1 month, 3 months

Yes

  • Deposit minimums required to earn interest
  • Tiers are confusing
  • Does not compound
  • Requires CRO to unlock best rates

2016

Hong Kong

CRO

Worldwide, all US states except NY

n/a

n/a

n/a

n/a

n/a

n/a

No

$10 for using referral code below

Sign up

None

  • Way to earn money each day
  • Removed interest accounts from platform
  • Social focus feels unnecessary

2017

Santa Monica, CA

n/a

Worldwide

n/a

4.18%

4%

n/a

n/a

1.5%

No

$10 BTC when you buy or sell $100 of cryptocurrency

Sign up

Monthly

None

Yes

  • Full exchange functionality
  • Popular, highly trusted
  • Publicly traded company
  • Relatively low rates compared to other Coinbase alternatives
  • Only a few supported assets
  • ETH locked up until proof of stake launch

2012

Wilmington, DE

n/a

100+ countries

5.2%

5.2%

5.2%

5.2%

n/a

10.3%

Yes

Sign up

Monthly

None

None

  • Excellent stablecoin interest rates
  • Very good BTC, ETH interest rates
  • No fees and no lockup periods
  • Best rates require CLT token

2017

Estonia

CLT

Worldwide with a few restrictions due to regulations

4.5%

4.2%

n/a

n/a

n/a

6%

Yes

$25 BTC with $500 deposit

Sign up

Daily

None, or 15 to 365 days

Yes

  • Great interest rates
  • No tiers or deposit limits
  • Significant rate boosts for locking up for 15-365 days (via Earn Plus or Earn Explore)
  • Fees for each withdrawal

2019

Signapore

n/a

Worldwide

n/a

n/a

n/a

n/a

n/a

5%

Yes

$5 bonus with any deposit

Sign up

First day of each month

None

No

  • Very simple process for non-crypto users interested in high interest rates
  • Automatic stablecoin purchase, interest generation
  • No fees or lockups
  • No support for other cryptocurrencies such as bitcoin
  • Cannot send stablecoin directly to account, bank transfers only
  • 5 days before deposits settle and earn interest

2019

NJ, USA

n/a

Worldwide, excluding states: NY, NH, CT, HI, VT, VA, TX

2%

2%

n/a

n/a

n/a

6%

Yes

Sign up

Monthly

None

Yes

  • Traditional retirement account tax benefits
  • Requires 10,000 minimum

2015

Sherman Oaks, CA

n/a

Worldwide

2%

2%

5%

1.5%

1%

6.2%

Yes

$5 in ZOOM when you buy $100 of crypto

Sign up

Monthly on the seventh day

None

Yes

  • Full featured application
  • 40+ support coins

2018

Salt Lake City, UT

ZOOM

Not available in NY

n/a

n/a

n/a

n/a

n/a

2.5%

No

Sign up

Monthly on first business day

None

No

  • Easy bank integration
  • Easy to earn interest on USD
  • US only
  • Does not support other cryptocurrencies

2018

San Francisco, CA

n/a

US only

n/a

n/a

6.26%

n/a

n/a

1.01%

No

$50 BTC when you buy $100 of crypto

Sign up

No

  • Full exchange services
  • Easy to use defi yield products
  • Limited coins eligible for Earn program
  • Low rates

2013

San Francisco, CA

n/a

Worldwide

1%

4%

5%

n/a

n/a

3%

No

Sign up

Once or twice a week, depending on coin

Yes

  • Offers on and off-chain staking
  • Off-chain staking not available in all locations (such as US, Japan, UK)
  • Full exchange services
  • Interest rate will vary (Kraken takes a flat 15% from staking rewards)

2011

San Francisco, CA

n/a

Worldwide, US states except NY and WA

n/a

n/a

n/a

n/a

n/a

8%

No

Sign up

Monthly

None

No

  • No KYC
  • Competitive interest rates
  • Focused only on Stablecoins

2020

Seychelles

n/a

Worldwide

2.4%

2.4%

n/a

n/a

n/a

7%

Yes

20% fee discount for 30 days

Sign up

Varies

None or fixed deposits for 7-90 days

Yes

  • Competitive stablecoin interest rates
  • Full exchange services
  • BTC and ETH rates bested by other platforms

2018

Taiwan

BTSE

Worldwide

1.69%

1.78%

n/a

n/a

n/a

2.39%

Yes

Earn 10% bonus on interest earned

Sign up

Daily

None or subscribe to longer terms

Yes

  • Full exchange service
  • Supports many coins

2017

Hong Kong

n/a

Worldwide

5.5%

5.5%

n/a

n/a

n/a

9%

Yes

$50 USDT new user bonus

Sign up

First of the month

1, 3 and 6 month

Yes

  • Clean, simple, easy to use platform
  • At least 1-month lockup term required
  • Best rates require 6-month lockup + LND token

2018

London, UK

LND

Worldwide

1.25%

1.25%

3.5%

n/a

n/a

4.5%

Yes

$20 BTC bonus with $200 deposit, hold 30 days

Sign up

Daily

14, 30, 90 days

Yes (network fees only)

  • No KYC required
  • No rate tiering
  • Ability to earn different coin instead of in-kind
  • Better rates require lockup duration (14-90 days)
  • Minimum deposit amounts required

2019

Seychelles

n/a

Worldwide

6.8%

8.1%

n/a

n/a

n/a

13.0%

Yes

Sign up

Daily

None

  • Excellent rates
  • No lockups or tiered rates
  • No sign up bonus
  • Rates may change frequently

2018

Switzerland

MIDAS

Worldwide

3.5%

6%

4%

n/a

1%

7%

Yes

$12 USDC with $1000 deposit (see table)

Sign up

Daily

None

Yes (network fees only)

  • No lock up terms
  • No interest rate tiers
  • App design is clean and easy to use

2021

Hong Kong

n/a

Worldwide

n/a

4.3%

7.25%

n/a

n/a

10%

Yes

Sign up

  • Great ETH rates

2018

Estonia

n/a

Worldwide

n/a

n/a

n/a

n/a

n/a

n/a

Yes

$10 and 1000 JCOIN with deposit of $50 or more

Sign up

Yes (network fees only)

  • Crypto friendly, traditional banking functionality
  • FDIC insured
  • Debit card with cashback bonuses
  • No longer pays interest for crypto

2019

India, US, UK

n/a

Worldwide

n/a

n/a

n/a

n/a

n/a

n/a

No

$10 BTC with first purchase

Sign up

Yes, flat transaction fee

  • Instant buy, instant sell
  • Automated recurring purchases
  • EFT, Credit Card and PayID
  • USD withdrawals are free
  • Uses cold storage in a collaborative multi-signature setup for our custodial wallets
  • Does not currently pay interest on holdings
  • Bitcoin withdrawals incur a flat 0.0003BTC (30,000 sats) transaction fee

2017

Australia

n/a

Australia, majority of USA

0.6%

2%

n/a

n/a

n/a

3.2%

Yes

$40 in crypto with $500 deposit, hold 30 days

Sign up

Daily

1 business day to unlock funds

Yes

  • Easy way to engage in defi yield
  • Easy to use platform
  • Bitcoin rates are low

2017

Canada

n/a

Worldwide

6%

6%

20.75%

n/a

n/a

10.42%

No

Use code: DKWCL4 for 1% bonus on your first deposit of $50 or more

Sign up

Daily

None

No

  • Great rates
  • Easy, simple to use app
  • BitGo custodial insurance
  • Tiers/caps are low
  • No web app (smartphone app only)

2021

Signapore

n/a

Worldwide

1.5%

1.5%

n/a

n/a

n/a

4%

No

Sign up

Daily

  • No KYC
  • Simple and easy to use
  • Non-custodial
  • Funds my be “deposited” into Savings
  • Limited asset support

2018

Isreal

n/a

Worldwide

6.46%

n/a

n/a

n/a

n/a

n/a

Yes

$30 after $50 deposit

Sign up

Weekly

None

Yes

  • Good rates
  • Unique protection offering
  • Funds may be capped
  • 24 hours before deposits qualify for returns

2019

Signapore

DFI

Worldwide

n/a

6%

6.5%

n/a

n/a

n/a

Yes

$10 when you buy/trade $100 in 30 days

Sign up

Weekly

  • Popular, trusted platform
  • Regulated in the US
  • Limited options compared to international Binance
  • Unstaking takes time before funds are available (like native staking)

2019

CA, USA

n/a

US only

1.98%

1.45%

9.3%

n/a

n/a

4.89%

No

6% discount on fees

Sign up

Weekly

Yes

  • Long running, trust exchange
  • Rates variable upon market

2012

Taiwan

n/a

Worldwide

n/a

n/a

n/a

n/a

n/a

n/a

No

10% discount on fees with code: QBSSSLX4

Sign up

Yes

  • Large, trusted crypto exchange
  • Lending rates vary greatly

2017

Seychelles

n/a

Worldwide

0.4%

0.4%

n/a

n/a

n/a

0.4%

No

Sign up

10-360 days

  • Full exchange services
  • Rates vary depending on plan

2018

Estonia

n/a

Worldwide

0.8%

0.3%

0.75%

n/a

n/a

4.5%

No

$5 bonus

Sign up

  • Flexible deposit terms
  • Rates lower than other exchanges

2019

Singapore

n/a

Worldwide

1.18%

1.75%

n/a

n/a

n/a

4.03%

No

Sign up

  • Fixed rates are predictable
  • Must wrap Bitcoin
  • Best for more technical users

2020

New York, NY

FCASH

Worldwide

Due to pending regulation, some crypto interest account and lending platforms are not able to serve users in the United States (US).

Blockfi Interest Accounts were the first to be halted, as they were contacted by regulators, from multiple states, with a cease and desist order. In response, Blockfi stopped accepting new customers located in the USA, however they grandfathered in existing users and still pay interest on prior holdings (but do not pay interest on new deposits).

Why are some crypto lending platforms blocked in the United States?

Regulators are citing that cryptocurrency lending, which is when you deposit cryptocurrency into a platform, and that platform lends it out to other businesses and customers, and in turn pays you interest, that they could be seen as a security. And as you are likely aware, securities are regulated by the SEC (Security Exchange Commission) in the USA.

Our database of lending/crypto interest account services helps you identify which platforms are still operating in the United States, and which are unavailable or are limited in their offering.