Crypto Interest Accounts USA

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 yield opportunities 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	4.26%	2.4%	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
3.2%	4.2%	4.2%	4.2%	n/a	5.2%	Yes		Sign up	Monthly	None	None	Good stablecoin interest rates No fees and no required lockup periods	Best rates require CLT token	2017	Estonia	CLT	Worldwide with a few restrictions due to regulations
4.3%	4.2%	n/a	n/a	n/a	4.5%	Yes	$50 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
2.05%	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	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	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
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
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
1.25%	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
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
n/a	4.3%	4%	n/a	n/a	5.3%	Yes		Sign up						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
1.1%	0.9%	n/a	n/a	n/a	5%	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
3.08%	3.51%	4.5%	n/a	n/a	8.42%	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
49.2%	57.6%	n/a	n/a	n/a	50%	Yes		Sign up	Daily	Yes, time to exit pool	No (network fees charged)	Very high target returns Type “cir” to view this platform	Performance varies daily Sizable minimum deposit App and design could be improved	2019	Sweden	n/a	Worldwide
5.69%	n/a	n/a	n/a	n/a	n/a	Yes	$30 after $50 deposit	Sign up	Weekly	None	Yes	Good rates Unique volatility protection offering (fully covered in 100 days)	Fund may be capped (not allowing new deposits) 24 hours before deposits qualify for returns	2019	Signapore	DFI	Worldwide
n/a	4.9%	10%	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
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
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
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
1.63%	5.48%	n/a	n/a	n/a	4.87%	No		Sign up				Fixed rates are predictable	Must wrap Bitcoin Best for more technical users	2020	New York, NY	FCASH	Worldwide
n/a	4.6%	n/a	n/a	n/a	n/a	Yes	$30 after $50 deposit	Sign up	Every 12 hours	None	Yes	Easy to use staking product APY is net of fees Payouts every 12 hours		2019	Signapore	DFI	Worldwide
n/a	3.93%	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	9%	No	+2% bonus using our referral link	Sign up		None	None	Decentralized way to earn from BTC mining without direct exposure to mining costs	Relatively new, unproven platform Returns based upon Bitcoin mining and price	2022	Kazakhstan	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
23.3%	14.3%	n/a	n/a	n/a	14.59%	Yes	10% discount on fees, 0.001 BTC bonus with initial 0.1 BTC deposit	Sign up	Weekly (Friday)	1 week		Extremely high returns for BTC	High risk, weekly returns could be negative	2022		n/a	Worldwide
8.29%	8.83%	n/a	n/a	n/a	18.86%	Yes	$30 after $50 deposit	Sign up	Every 12 hours	None	Yes	Exceptional rates for BTC and stablecoins	Custodial solution Only available in app Fund may be capped for new deposits	2019	Signapore	DFI	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.