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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

9.4%

10.6%

n/a

1%

n/a

14.5%

Yes

Sign up

Daily

None

  • Excellent rates
  • No lockups or tiered rates
  • No sign up bonus/promos
  • Defi rates may change frequently

2018

Switzerland

MIDAS

Worldwide

0.2%

0.2%

0.25%

0.1%

0.1%

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

5%

5%

8%

n/a

3.5%

12%

Yes

$25 USDC with $1000 deposit

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 competitive
  • Brand new platform

2021

Hong Kong

n/a

Worldwide

0.1%

0.1%

n/a

n/a

n/a

0.1%

No

Sign up

  • Very high interest rates
  • Must stake and hold FWT tokens relative to your other balances

2020

WY, USA

FWT

USA only

1.75%

2.65%

n/a

2%

n/a

8.5%

Yes

Earn $40 in crypto with $15 deposit

Sign up

Weekly

None

Yes (network fees only)

  • CPRX program could grow in value, but is speculative
  • Available globally
  • Best rates/bonuses require CPRX

2014

Mountain View, CA

n/a

Worldwide

1.25%

1.5%

3.5%

n/a

n/a

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

n/a

n/a

n/a

n/a

n/a

n/a

Yes

1.25% bonus interest rate

Sign up

Weekly or at end of deposit term

None, 1 month, 6 months

No

  • Excellent stablecoin rates
  • Very good BTC and ETH rates
  • Best rates require 30 day+ deposit

2018

Singapore

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

n/a

n/a

n/a

n/a

n/a

10%

No

Sign up

Monthly

None

No

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

2020

Seychelles

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

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

4%

4%

4%

4%

n/a

12.5%

Yes

$10 USDT with $100 deposit

Sign up

Every Second

No

  • Withdraw anytime, no fees, no lock-up
  • High TrustPilot review score
  • Competitive stablecoin rates
  • Certain coins may be capped and not accept new deposits

2018

Redlands, CA

MCT

Worldwide

n/a

8%

7.25%

n/a

n/a

10%

Yes

Sign up

2018

Estonia

n/a

Worldwide

5.33%

4.28%

n/a

n/a

n/a

9.41%

Yes

$30 after $1000 deposit

Sign up

Monday

None

Yes (1 free per month)

  • 1 free withdrawal per month
  • Earn interest in coin of choice instead of in-kind
  • Tiered interest rates
  • Fees for withdrawals (vary by coin)

2019

Singapore, Hong Kong

n/a

Worldwide

1.01%

1.26%

4.55%

1.51%

1.01%

6.36%

Yes

Sign up

Must be redeemed

None

Yes (transfer and agent fees)

  • Available in NY state
  • No minimums, no transfer or withdrawal fees
  • BTC and ETH rates are lower than competition

2014

New York, NY

GUSD

All US states and Singapore

5.80%

5.7%

n/a

n/a

n/a

7.2%

Yes

Bonus 0.2% interest rate for life of account

Sign up

Daily

None, or 15 to 365 days

Yes

  • Very high interest rates for BTC and ETH
  • No tiers or caps
  • Significant rate boosts for locking up for 30-365 days (Earn Plus or Earn Explore)
  • Fees for each withdrawal

2019

Signapore

n/a

Worldwide

3%

3%

n/a

n/a

n/a

1.5%

Yes

$100 with direct deposit of $250 or more

Sign up

Yes (network fees only)

  • Crypto friendly, traditional banking functionality
  • FDIC insured
  • Debit card with cashback bonuses
  • Rates are modest

2019

India, US, UK

n/a

Worldwide

1.44%

1.51%

n/a

n/a

n/a

2.47%

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

3.25%

4.05%

3%

2.5%

0.5%

9%

Yes

$50 BTC bonus with $100 deposit, $100 in trades (Use code: 90E62537C)

Sign up

Monthly on the fifth business day

None

Yes

  • Full exchange services
  • Competitive rates
  • Broad coin support
  • Not available outside US
  • Minimum balances required to earn interest
  • Variable fee applies for withdrawing coins

2017

NJ, USA

VGX

US, excluding NY

n/a

n/a

2.66%

n/a

n/a

0.86%

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

n/a

n/a

n/a

n/a

n/a

n/a

No

10% discount on exchange trading fees

Sign up

  • Full exchange platform
  • Liquid Earn is shutdown and being replaced with Liquid Staking

2018

Tokyo, Japan

n/a

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

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

4.56%

3.36%

4.8%

2.4%

n/a

8.52%

Yes

$20 BTC with $50 deposit (or more with larger deposit)

Sign up

Weekly

None

No

  • Competitive interest rates
  • In-app swaps
  • Best interest rates require ILK token
  • App needs design updates to match new branding

2018

Budapest, Hungary

ILK

Worldwide

5%

5%

5%

5%

5%

5%

Yes

Free random coin with $10 deposit, use code: cointerest

Sign up

Hourly

None

Yes for ETH/ERC-20 and small BTC amounts

  • Full featured application
  • Great interest rates for first $10,000 of any coin
  • Any deposits past $10,000 USD should be deposited elsewhere

2014

Berkeley, CA

n/a

Worldwide, exchange services not available in US

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

5.2%

5.2%

n/a

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

2.5%

2.25%

n/a

3.5%

7%

6%

Yes

$10 in ZOOM for single trade of $100 USD and hold balance of $100 USD

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

$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

0.5%

4.1%

n/a

n/a

n/a

8.1%

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

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

6.02%

6.03%

n/a

n/a

n/a

13.68%

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

12%

13%

n/a

n/a

n/a

24%

Yes

Sign up

Daily

Yes, time to exit pool

No (network fees charged)

  • Very high target returns
  • Performance varies daily
  • Sizable minimum deposit
  • App and design needs improvement

2019

Sweden

n/a

Worldwide

n/a

3.25%

3.85%

n/a

n/a

0.15%

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

4%

4%

n/a

n/a

n/a

8%

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

n/a

n/a

n/a

n/a

n/a

5%

Yes

Sign up

Weekly

  • Full featured savings/banking app
  • No native crypto support (USD only)

2021

New York, NY

n/a

USA only

n/a

n/a

n/a

n/a

n/a

10%

No

Sign up

Every second

None

No

  • Simple, easy to use app
  • High target rate for stablecoins
  • Interest rate is a target

2021

Signapore

n/a

Global

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.