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Crypto Interest Accounts USA

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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

2.05%

2.05%

n/a

2.77%

2.25%

7.4%

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

n/a

No

Sign up

Daily

None

No

2021

Signapore

n/a

Worldwide

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

34.44%

33.84%

n/a

n/a

n/a

41.64%

Yes

Sign up

Daily

Yes, time to exit pool

No (network fees charged)
  • Very high returns
  • Type “cir” to view this platform
  • Performance varies daily
  • Sizable minimum deposit

2019

Sweden

n/a

Worldwide

n/a

n/a

5.21%

n/a

n/a

2.73%

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

1.98%

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

7%

No

Sign up

Monthly

None

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

2020

Seychelles

n/a

Worldwide

0.7%

1.46%

12.7%

2.19%

n/a

4.38%

No

10% discount on fees with code: QBSSSLX4

Sign up

Yes
  • Large, trusted crypto exchange
  • Lending rates vary greatly

2017

Seychelles

n/a

Worldwide

2.4%

2.4%

n/a

n/a

n/a

6.5%

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%

0.4%

0.4%

0.4%

1%

1%

No

Sign up

10-360 days

  • Incredible rates for most coins if you lockup for 360 days
  • Full exchange services
  • Wide variety of coins
  • Rates vary depending on plan
  • Most coins require 10 day lockup minimum, some require 30 days

2018

Estonia

n/a

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

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

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

4.5%

3.5%

n/a

n/a

5%

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
  • Rates are moderate compared to alternatives

2021

Hong Kong

n/a

Worldwide

2%

3.96%

n/a

n/a

n/a

5.9%

No

Sign up

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

2020

New York, NY

FCASH

Worldwide

n/a

4.26%

5.01%

n/a

n/a

2%

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

2012

Wilmington, DE

n/a

100+ countries

n/a

4.3%

4%

n/a

n/a

5.3%

Yes

Sign up

2018

Estonia

n/a

Worldwide

n/a

3.15%

n/a

n/a

n/a

n/a

No

Sign up

None

Yes
  • Available in NY state
  • No minimums or gas fees

2014

New York, NY

GUSD

All US states and Singapore

n/a

n/a

n/a

n/a

n/a

n/a

Yes

Sign up

Daily

None, or 15 to 365 days

Yes

2019

Signapore

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

1.46%

2.53%

n/a

n/a

n/a

7.61%

No

Sign up

Weekly

Yes
  • Decentralized exchange and staking services
  • BTC staking is unique
  • BTC and ETH rates are modest
  • Must use LP protocols to earn, which can be confusing for new users

2019

Moscow, Russia

WAVES

Worldwide

n/a

n/a

n/a

n/a

n/a

n/a

Yes

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

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

1%

1%

n/a

n/a

n/a

n/a

No

Use referral code: SoDXjaMP for $5 bonus on sign up

Sign up

  • Easy to use
  • Lots of banking features and supported coins
  • $BBANK required for meaningful rates

2018

Gibraltar

BBANK

Worldwide

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

0.5%

0.9%

n/a

n/a

n/a

7%

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

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.

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.

Compounding Bitcoin Interest Calculator