Best Crypto Interest Platforms For 2025

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Go to broker’s website OKX Overview

If you're too busy to read the entire article and want a quick answer, the best crypto interest platform is OKX. Why? Here are its key advantages:

Is legit in your country (Identified as United States )
Has a good user satisfaction score 8.9 out of 10
A wide range of tools
Fast execution speed

Go to broker’s website OKX Overview

Below, we'll explain in more detail why we believe this and how brokers were evaluated.

Best crypto interest platforms are:

OKX - Best automated trading solutions (copy trading, easy bot integration)
Kraken - Best for trading crypto-fiat pairs (supports 7 fiat currencies, simple trading platform)
Crypto.com - Best mobile app for crypto activities (Visa card support, trading and passive earning)
CoinMetro - Suited for conservative trading (simple UI and low leverage of up to 1:5)
Coinbase - Highest level of security (multiple regulations, high data protection standards)
Cryptohopper - Best for bot trading (highly customizable settings, support of major exchanges)

Cryptocurrency investors who seek a long-term return should definitely consider earning interest on their digital assets. By investing in cryptocurrency to earn interest, you are generating passive income, which can compound your profits if the cryptocurrency markets continue to rise.

There are many platforms offering staking rewards, crypto lending, and DeFi yield farming, all of which pay you in the cryptocurrency you selected and at different interest rates. We've put together a guide to help you start earning interest on cryptocurrencies today.

Risk warning: Cryptocurrency markets are highly volatile, with sharp price swings and regulatory uncertainties. Research indicates that 75-90% of traders face losses. Only invest discretionary funds and consult an experienced financial advisor.

Where to earn crypto interest - Top 6 platforms

A cryptocurrency derivatives platform offers advanced trading tools and ensures top-tier security with no downtime. It processes up to 100,000 transactions per second, addressing the server issues common during high trading volumes. The platform features user-friendly charting tools and a crypto staking service with rewards up to 5% for stablecoins. Users can choose flexible or fixed deposits for 30 and 60 days.

Best crypto interest platforms in 2025
	Min. Deposit, $	Coins Supported	Spot Taker fee, %	Spot Maker Fee, %	Foundation year	TU overall score	Open an account
OKX	10	329	0,1	0,08	2017	8.9	Open an account Your capital is at risk.
Kraken	10	278	0,4	0,25	2011	8.48	Open an account Your capital is at risk.
Crypto.com	1	250	0,5	0,25	2016	8.36	Open an account Your capital is at risk.
CoinMetro	1	72	0,2	0,1	2018	7.41	Open an account Your capital is at risk.
Coinbase	10	249	0,5	0,5	2012	6.89	Open an account Your capital is at risk.
Cryptohopper		1000	0	0	2018	6.57	Open an account Your capital is at risk.

Top company reviews

9.4/10

Go to broker

Your capital is at risk.

Minimum deposit:

₿0.00005 (BTC)

Review

OKX (aka OKEX) is an international cryptocurrency exchange that has been providing financial services since 2017. On the OKX platform, you can buy and sell cryptocurrencies and earn money by storing tokens and providing funds for margin trading. The cryptocurrency exchange offers over 100 cryptocurrencies such as BTC (₿), LTC (Ł), ETH (Ξ), XRP, etc.), several ways to make passive income, and a base with educational materials.

Pros/Cons

•The availability of various investment programs.

•Proprietary educational academy with useful materials.

•Wide range of cryptocurrencies.

•The exchange is multilingual and available in 20 languages.

•A mobile app is available.

•The exchange uses cold and hot wallets with a high-security level.

•The company offers cryptocurrency listing services.

•Trading and depositing in fiat currencies are not available.

•Few ways to contact client support

•The company is unlicensed and unregulated.

9.2/10

Go to broker

Your capital is at risk.

Minimum deposit:

Review

The Kraken exchange is a trading platform for Bitcoin, Ethereum, Tether, Cardano, XRP, other cryptocurrencies, and stablecoins. Fiats are represented by EUR, USD, CAD, CHF, AUD, GBP, and JPY. In addition to margin trading, Kraken has indices and futures trading. The exchange provides traders with x5 leverage for margin trading and x50 for futures. Commission fees are among the lowest on the market - up to 0.26%. The crypto exchange has a proprietary trading terminal for an internet browser, as well as mobile applications for iOS and Android devices. The platform offers an extensive knowledge base, tutorials, and video podcasts with news and analytics. The referral program is the standard single-level model with a yield of 20% of the referral’s commission fees.

Pros/Cons

•convenient, intuitive terminal with one-click trading;

•all major cryptocurrencies, as well as seven fiats;

•margin trading, as well as futures and indices trading ;

•large leverage (x5 for margin, x50 for futures trading);

•an extensive database of information and training materials;

•large trading volumes on the exchange provide high liquidity;

•some of the lowest fees in the cryptocurrency market.

•no investment programs;

•no call center.

9.1/10

Go to broker

Your capital is at risk.

Minimum deposit:

Review

Pros/Cons

•a large number of cryptocurrencies and tokens, the list of assets is constantly growing;

•all major options for depositing and withdrawing funds (bank cards and accounts, e-wallets, etc.);

•the crypto exchange provides traders with leverage: for margin trading, it’s 1:3; for derivatives, it’s 1:50;

•the function of cryptocurrency lending, securing a loan with one cryptocurrency at the expense of a deposit in another;

•the opportunity to earn extra money by participating in regular events at the Trading Arena;

•investment solution. The Supercharger allows you to flexibly invest free cryptocurrency funds;

•the ability to pay trading commissions with your own coin of the CRO platform with a partial refund;

•the crypto exchange provides a multicurrency wallet and a Visa Crypto.com plastic card with an 8% cashback.

•no fiat trading;

•the support service does not have a call center;

•there are no full-fledged training programs.

8.9/10

Go to broker

Your capital is at risk.

Minimum deposit:

Review

The CoinMetro cryptocurrency exchange is a specialized platform for exchanging and trading cryptocurrencies with the ability to invest via copying transactions and bonds. Bitcoin, Ethereum, Litecoin, Ripple, Bitcoin Cash, and other cryptocurrencies are at your disposal for trading on the exchange. CoinMetro’s forte is its trading terminal with extensive functionality and built-in analytics. Also, five times leverage is available for margin trading. The crypto exchange operates under the licenses of the Estonian Financial Intelligence Unit (the FIU), license nos. FVR000143 and FRK000121. It is also licensed by the US regulator Financial Crimes Enforcement Network (FinCEN). CoinMetro has one of the lowest trading margins.

Pros/Cons

•handy trading terminal with built-in charts and indicators;

•popular cryptocurrencies are available for trading on the exchange;

•five times leverage;

•built-in service for copying deals;

•deposits in CoinMetro's bonds;

•low fees for exchange and trade;

•licensed by EU and US regulators.

•analytics are not provided (only news);

•there are not many cryptocurrencies and tokens at your fingertips.

8.7/10

Go to broker

Your capital is at risk.

Minimum deposit:

Review

Coinbase is a popular cryptocurrency exchange, especially sought-after among novice traders. It allows you to trade all cryptocurrencies including Bitcoin, Ethereum, Litecoin, Ripple, BitcoinCash, and others. You will find a web version and an application for a smartphone based on iOS or Android. The crypto exchange provides services to users from 100 countries with more than 43 million active traders registered on the exchange. The total assets on the platform are equivalent to over USD 90 billion. The exchange brings to the table one-of-a-kind training programs that allow you to earn money during the learning process by improving your expertise in the crypto market. Learn what Coinbase is and how the exchange works.

Pros/Cons

•you can trade a vast array of cryptocurrencies on the exchange;

•hassle-free registration and verification;

•all assets are in offline storage;

•the exchange ensures the security of users’ assets;

•available are a free e-wallet and a virtual card;

•complex solutions for individuals, businesses, and developers;

•powerful analytical base and unique training guides.

•there are no passive earning options;

•some of the information is available in English only.

8.6/10

Go to broker

Your capital is at risk.

Minimum deposit:

Review

Cryptohopper is a multi-purpose platform that combines its hub functions, copying service, social trading, and an investment portfolio management service. The Cryptohopper terminal trades in Bitcoin, Ethereum, Litecoin, and dozens of other cryptocurrencies and tokens, which are presented on partner exchanges. The one-of-a-kind system stands out for the presence of free-of-charge (the first 7 days) trading bots where you can create and test your bots. The platform also provides an emulator of exchange strategies. There is also an in-depth training system.

Pros/Cons

•cryptocurrencies can be traded on any of the partner exchanges from Cryptohopper’s terminal;

•no fees or fixed payments for using the service;

•profitable partnership and investment program;

•service for copying transactions and auto-trading bots;

•a vast selection of instruments;

•synchronization of accounts on diverse exchanges;

•large trading volumes.

•free mode is extremely limited in functionality.

We at Traders Union have over 14 years of experience in financial markets, evaluating cryptocurrency exchanges based on 140+ measurable criteria. Our team of 50 experts regularly updates a Watch List of 200+ exchanges, providing traders with verified, data-driven insights. We evaluate exchanges on security, reliability, commissions, and trading conditions, empowering users to make informed decisions. Before choosing a platform, we encourage users to verify its legitimacy through official licenses, review user feedback, and ensure robust security features (e.g., HTTPS, 2FA). Always perform independent research and consult official regulatory sources before making any financial decisions.

Learn more about our methodology and editorial policies.

Best ways to earn interest on crypto

Crypto staking

Staking is a popular way to earn interest and support blockchain security in proof-of-stake systems. By locking up crypto, stakers pledge their assets to the network, enabling their nodes to validate transactions. Validators are chosen to confirm blocks, earning rewards in newly created cryptocurrency.

Many platforms allow crypto staking, offering varying yields depending on the coin and exchange. Stablecoins like USDT and USDC provide lower volatility and yields around 12%, making them a conservative choice. Other PoS coins, such as Solana (SOL) and Cardano (ADA), offer yields of up to 15% and 11.2%, respectively. High-potential options like Avalanche (AVAX) and Terra (LUNA) can yield over 20%, while metaverse tokens like Axie Infinity (AXS) offer even higher returns, reaching up to 75% on some platforms.

Earnings depend on the cryptocurrency and platform used, with higher stakes leading to more validation opportunities and rewards. Staking offers both passive income and potential for price appreciation in volatile markets.

Earn rewards while holding. Staking isn’t just about earning some extra tokens — it’s about watching your holdings grow passively. Many people miss the power of compounding, where your rewards earn rewards over time, boosting your profits without much effort.
Contribute to network health. Staking your tokens strengthens the network and helps secure the blockchain. You’re not just pocketing rewards; you’re supporting decentralization, which can increase the value of your assets as the network grows stronger.
Flexibility to adapt. Staking doesn’t always lock you into a rigid contract. More platforms are offering flexible options, meaning you can shift your strategy based on market conditions, giving you the freedom to react without penalty.

Penalty risk. Some blockchains penalize you (called slashing) if you don't meet certain conditions or act maliciously. This can cost you part of your staked tokens, which many beginners overlook when they're focused on the rewards.
Funds can be locked. Even though some staking options are flexible, many still come with time restrictions. If the market moves fast, you may find yourself stuck with assets you can’t sell or use for a while.
Value changes quickly. The price of your staked tokens can swing wildly. If the market dips, your rewards could be worth much less, and you’re unable to sell until the staking period is over, which can be frustrating in a volatile market.

DeFi farming

DeFi farming isn’t just about putting assets into a pool and hoping for the best — it’s about choosing assets that are less likely to lose value when the market moves. For beginners, the real focus should be on avoiding impermanent loss by picking pairs with less price fluctuation and more liquidity.

Some platforms even offer tokens that give you a say in how the platform runs, which is a cool bonus on top of earning rewards. It’s also a good idea to spread your investments across different pools to lower your risk. Look for projects that have a strong community and clear, trustworthy contracts. Finally, pay attention to fees — on networks like Ethereum, gas fees can eat into your profits, so considering options like layer-2 networks or other blockchains can help you save.

Crypto lending

Crypto lending can offer good returns, but knowing how to navigate it is key. Start by opting for platforms that provide fixed interest rates to avoid fluctuating profits. Be cautious with the type of collateral required; lending with crypto-backed assets can be safer. Spread your lending across different assets and platforms to avoid putting all your eggs in one basket. Look for platforms that provide insurance in case of losses, as this can offer peace of mind. Also, pay attention to the loan-to-value ratio — lower ratios generally mean less risk for you as a lender.

Is crypto interest a good idea?

Is earning interest on crypto a smart investment

Focus on realistic returns. Many platforms boast big rewards, but as a beginner, it’s better to look closely at the stability of the asset and avoid falling for flashy numbers. Don’t just focus on high-interest rates; consider the full risk.
Spread your investments. Instead of putting everything into one crypto, diversify across different stablecoins or altcoins. This way, if one crypto drops, the others can still provide steady growth.
Understand how easily you can access funds. Some platforms lock your assets for a while, while others let you withdraw with minimal fees. Know what you’re signing up for, especially if you need flexibility.
Prioritize security features. Make sure the platform is safe — look for insurance options and solid security measures like two-factor authentication, so you know your funds are protected.
Look into decentralized options. While centralized platforms may offer higher returns, decentralized platforms give you more control and often come with fewer risks involving a middleman.

Is crypto interest taxed?

Crypto interest taxation varies by region:

United States. Both capital gains and income tax apply. Short-term gains are taxed at 10–37%, while long-term gains are taxed at 0–20%.
Georgia. A crypto tax haven, with no taxes on crypto income for individuals or companies.
Europe (France, Austria, etc.). No tax on crypto-to-crypto transactions unless converted to fiat.
Tax-Free Regions. Bahrain, Barbados, and the UAE impose no taxes on cryptocurrency usage.
United Kingdom. Cryptos are treated as property, taxed at 10% (basic rate) or 20% (higher rate).
Canada. Crypto income is taxed as business income or capital gains.
Australia. Similar to the UK, crypto is taxed under Capital Gains or Income Tax, including staking rewards.

Tax laws vary and evolve. Consult a professional to ensure accurate reporting in your jurisdiction.

Are crypto interest accounts safe?

Crypto interest accounts offer attractive yields but come with risks:

Platform risk. Security breaches could lead to losses; choose trusted platforms.
Default risk. Borrower defaults may cause losses; opt for platforms with strict borrower checks.
Market crash risk. Volatility can reduce asset value; diversify your investments.
Regulatory risk. Sudden regulation changes can impact assets; stay informed.
Liquidity risk. Withdrawal issues may arise; use platforms with high liquidity.

While these accounts can be rewarding, understanding and mitigating risks is key to protecting and growing your investments.

Earning interest on crypto: How to reduce risks

You may face the following risks when staking crypto:

Don’t keep everything in one place. Spread your crypto across different platforms to lower the risk of losing everything if one gets hacked or runs into problems.
Stick to the safer bets. If you're just starting out, focus on stablecoins or the bigger names like Bitcoin or Ethereum. They’re less likely to swing wildly compared to newer coins.
Be smart with liquidity pools. Only get involved in liquidity pools where you understand the risks — like impermanent loss — and where the project is reputable and well-audited.
Don’t chase high-interest loans. Platforms might offer you crazy returns by lending to high-risk borrowers. Stick to lending to borrowers who have a track record and avoid those sketchy deals.
Check platform security regularly. Keep an eye on how secure your platform is — look for signs of strong security measures, like insurance, audits, and any history of breaches, to keep your assets safe.

Earning crypto interest in 2025 with flexible withdrawals and diversified earning strategies

When picking a platform for crypto interest in 2025, don’t just focus on the highest interest rates. Pay attention to the platform’s security, how easy it is to withdraw your funds, and whether they offer flexible terms. Some platforms may advertise great returns, but the fine print often includes long withdrawal waits or limits on how much you can take out. It’s better to choose platforms that let you withdraw without major delays or restrictions, giving you the freedom to adjust your strategy based on the market. Also, if you’re using platforms based on decentralized finance (DeFi), be cautious and understand the risks like smart contract issues and possible losses from liquidity pools.

Another important factor is how the platform uses your crypto. Look for options that combine staking with other methods like liquidity farming to earn extra rewards. By diversifying your approach, you can make the most of your holdings while managing risk more effectively. Platforms that offer insurance for your assets or provide proof of reserves show a commitment to transparency and security, making them more trustworthy for long-term investments. This extra layer of security helps you feel confident about where your crypto is going.

Methodology for compiling our ratings of crypto exchanges

Traders Union applies a rigorous methodology to evaluate crypto exchanges using over 100 quantitative and qualitative criteria. Multiple parameters are given individual scores that feed into an overall rating.

Key aspects of the assessment include:

User reviews. Client reviews and feedback are analyzed to determine customer satisfaction levels. Reviews are fact-checked and verified.
Trading instruments. Exchanges are evaluated on the range of assets offered, as well as the breadth and depth of available markets.
Fees and commissions. All trading fees and commissions are analyzed comprehensively to determine overall costs for clients.
Trading platforms. Exchanges are assessed based on the variety, quality, and features of platforms offered to clients.
Extra services. Unique value propositions and useful features that provide traders with more options for yield generation.
Other factors like brand popularity, client support, and educational resources are also evaluated.

Conclusion

Staking offers an excellent opportunity to earn passive income while contributing to the security and efficiency of blockchain networks. By locking up cryptocurrencies, you can generate consistent rewards, but it’s essential to balance the potential gains with the inherent risks. Factors such as token volatility, lock-up periods, and the reliability of the staking platform should be carefully considered. Whether you’re a beginner or an experienced trader, staking can be a valuable addition to your investment strategy, provided you research thoroughly and stay informed about the latest developments in the crypto space.

FAQs

What is staking?

Staking is a process in proof-of-stake blockchain systems where users lock their cryptocurrency to help validate transactions and maintain network consensus. In return, they earn rewards as an incentive.

What cryptos can I stake?

Popular staking options include Ethereum (ETH), Solana (SOL), Cardano (ADA), and others like Polkadot (DOT) and Algorand (ALGO). Annual yields typically range from 4% to 5%, and over $132 billion is locked in staking globally.

How can you stake on a hardware wallet?

To stake on a hardware wallet, install the specific coin app, set up an account, and transfer your coins to begin staking securely.

Is staking risky?

Yes, staking has risks. Locked tokens cannot be transferred during the vesting period, and price volatility may lead to losses. Research the cryptocurrency carefully before staking.

Team that worked on the article

Oleg Tkachenko is an economic analyst and risk manager having more than 14 years of experience in working with systemically important banks, investment companies, and analytical platforms. He has been a Traders Union analyst since 2018. His primary specialties are analysis and prediction of price tendencies in the Forex, stock, commodity, and cryptocurrency markets, as well as the development of trading strategies and individual risk management systems. He also analyzes nonstandard investing markets and studies trading psychology.

Also, Oleg became a member of the National Union of Journalists of Ukraine (membership card No. 4575, international certificate UKR4494).

Learn about our editorial policies

Chinmay Soni is a financial analyst with more than 5 years of experience in working with stocks, Forex, derivatives, and other assets. As a founder of a boutique research firm and an active researcher, he covers various industries and fields, providing insights backed by statistical data. He is also an educator in the field of finance and technology.

As an author for Traders Union, he contributes his deep analytical insights on various topics, taking into account various aspects.

Mirjan Hipolito is a journalist and news editor at Traders Union. She is an expert crypto writer with five years of experience in the financial markets. Her specialties are daily market news, price predictions, and Initial Coin Offerings (ICO).

Cryptocurrency

Cryptocurrency is a type of digital or virtual currency that relies on cryptography for security. Unlike traditional currencies issued by governments (fiat currencies), cryptocurrencies operate on decentralized networks, typically based on blockchain technology.

Bitcoin

Bitcoin is a decentralized digital cryptocurrency that was created in 2009 by an anonymous individual or group using the pseudonym Satoshi Nakamoto. It operates on a technology called blockchain, which is a distributed ledger that records all transactions across a network of computers.

Ethereum

Ethereum is a decentralized blockchain platform and cryptocurrency that was proposed by Vitalik Buterin in late 2013 and development began in early 2014. It was designed as a versatile platform for creating decentralized applications (DApps) and smart contracts.

Extra

Xetra is a German Stock Exchange trading system that the Frankfurt Stock Exchange operates. Deutsche Börse is the parent company of the Frankfurt Stock Exchange.

Volatility

Volatility refers to the degree of variation or fluctuation in the price or value of a financial asset, such as stocks, bonds, or cryptocurrencies, over a period of time. Higher volatility indicates that an asset's price is experiencing more significant and rapid price swings, while lower volatility suggests relatively stable and gradual price movements.