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 |
Monthly on the seventh day |
None |
Yes |
|
2018 |
Salt Lake City, UT |
ZOOM |
Not available in NY |
||||
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n/a |
n/a |
n/a |
n/a |
n/a |
n/a |
No |
Daily |
None |
No |
2021 |
Signapore |
n/a |
Worldwide |
||||||
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n/a |
n/a |
n/a |
n/a |
n/a |
2.5% |
No |
Monthly on first business day |
None |
No |
|
|
2018 |
San Francisco, CA |
n/a |
US only |
||||
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34.44% |
33.84% |
n/a |
n/a |
n/a |
41.64% |
Yes |
Daily |
Yes, time to exit pool |
No (network fees charged) |
|
|
2019 |
Sweden |
n/a |
Worldwide |
||||
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n/a |
n/a |
5.21% |
n/a |
n/a |
2.73% |
No |
$50 BTC when you buy $100 of crypto |
No |
|
|
2013 |
San Francisco, CA |
n/a |
Worldwide |
|||||
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1.98% |
1.45% |
9.3% |
n/a |
n/a |
4.89% |
No |
6% discount on fees |
Weekly |
Yes |
|
|
2012 |
Taiwan |
n/a |
Worldwide |
||||
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n/a |
n/a |
n/a |
n/a |
n/a |
7% |
No |
Monthly |
None |
No |
|
|
2020 |
Seychelles |
n/a |
Worldwide |
||||
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0.7% |
1.46% |
12.7% |
2.19% |
n/a |
4.38% |
No |
10% discount on fees with code: QBSSSLX4 |
Yes |
|
|
2017 |
Seychelles |
n/a |
Worldwide |
|||||
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2.4% |
2.4% |
n/a |
n/a |
n/a |
6.5% |
Yes |
20% fee discount for 30 days |
Varies |
None or fixed deposits for 7-90 days |
Yes |
|
|
2018 |
Taiwan |
BTSE |
Worldwide |
|||
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1% |
0.4% |
0.4% |
0.4% |
1% |
1% |
No |
10-360 days |
|
|
2018 |
Estonia |
n/a |
Worldwide |
||||||
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1.25% |
1.25% |
3.5% |
n/a |
n/a |
4.5% |
Yes |
$20 BTC bonus with $200 deposit, hold 30 days |
Daily |
14, 30, 90 days |
Yes (network fees only) |
|
|
2019 |
Seychelles |
n/a |
Worldwide |
|||
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0.8% |
0.3% |
0.75% |
n/a |
n/a |
4.5% |
No |
$5 bonus |
|
|
2019 |
Singapore |
n/a |
Worldwide |
||||||
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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 |
Weekly |
None (flexible), 1 month, 3 months |
Yes |
|
2016 |
Hong Kong |
CRO |
Worldwide, all US states except NY |
||||
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n/a |
4.5% |
3.5% |
n/a |
n/a |
5% |
Yes |
$12 USDC with $1000 deposit (see table) |
Daily |
None |
Yes (network fees only) |
|
|
2021 |
Hong Kong |
n/a |
Worldwide |
|||
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2% |
3.96% |
n/a |
n/a |
n/a |
5.9% |
No |
|
|
2020 |
New York, NY |
FCASH |
Worldwide |
|||||||
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n/a |
4.26% |
5.01% |
n/a |
n/a |
2% |
No |
$10 BTC when you buy or sell $100 of cryptocurrency |
Monthly |
None |
Yes |
|
|
2012 |
Wilmington, DE |
n/a |
100+ countries |
|||
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n/a |
4.3% |
4% |
n/a |
n/a |
5.3% |
Yes |
2018 |
Estonia |
n/a |
Worldwide |
|||||||||
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n/a |
3.15% |
n/a |
n/a |
n/a |
n/a |
No |
None |
Yes |
|
2014 |
New York, NY |
GUSD |
All US states and Singapore |
||||||
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n/a |
n/a |
n/a |
n/a |
n/a |
n/a |
Yes |
Daily |
None, or 15 to 365 days |
Yes |
2019 |
Signapore |
n/a |
Worldwide |
||||||
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n/a |
n/a |
n/a |
n/a |
n/a |
n/a |
Yes |
$10 and 1000 JCOIN with deposit of $50 or more |
Yes (network fees only) |
|
|
2019 |
India, US, UK |
n/a |
Worldwide |
|||||
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1.46% |
2.53% |
n/a |
n/a |
n/a |
7.61% |
No |
Weekly |
Yes |
|
|
2019 |
Moscow, Russia |
WAVES |
Worldwide |
|||||
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n/a |
n/a |
n/a |
n/a |
n/a |
n/a |
Yes |
First day of each month |
None |
No |
|
|
2019 |
NJ, USA |
n/a |
Worldwide, excluding states: NY, NH, CT, HI, VT, VA, TX |
||||
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n/a |
n/a |
n/a |
n/a |
n/a |
n/a |
No |
$10 BTC with first purchase |
Yes, flat transaction fee |
|
|
2017 |
Australia |
n/a |
Australia, majority of USA |
|||||
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1% |
1% |
n/a |
n/a |
n/a |
n/a |
No |
Use referral code: SoDXjaMP for $5 bonus on sign up |
|
|
2018 |
Gibraltar |
BBANK |
Worldwide |
||||||
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2% |
2% |
n/a |
n/a |
n/a |
6% |
Yes |
Monthly |
None |
Yes |
|
|
2015 |
Sherman Oaks, CA |
n/a |
Worldwide |
||||
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0.5% |
0.9% |
n/a |
n/a |
n/a |
7% |
Yes |
$40 in crypto with $500 deposit, hold 30 days |
Daily |
1 business day to unlock funds |
Yes |
|
|
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.