Crypto interest accounts with high rates 2026

Cryptocurrencies have been the rage for quite some time now, with an estimated 420 million crypto users globally as of 2025. With the craze still in full swing, many people are now looking at crypto interest accounts as a way to grow their digital wealth. Crypto interest accounts are accounts where you can earn a passive income by simply holding your crypto assets in an account. The interest rate or Annual Percentage Yield (APY) offered on these accounts can be quite high, so it is important to know which crypto interest accounts offer the highest rates of return. This blog will look at the ten crypto interest accounts with the highest rates in 2025.

Best platforms with crypto interest accounts

Top platforms with crypto interest accounts

	Kraken	OKX	BTCC	Coinbase	Nebeus	Crypto.com
APY	Yes	Yes	Yes	Yes	Yes	Yes
Staking	Yes	Yes	Yes	Yes	Yes	Yes
Copy trading	Yes	Yes	Yes	No	No	No
Yield farming	Yes	Yes	No	Yes	No	Yes
Min. Deposit, $	10	10	10	10	5	1
Coins Supported	278	329	399	249	30	250
Spot Taker fee, %	0.4	0.1	0.3	0.5	Not available	0.5
Spot Maker Fee, %	0.25	0.08	0.2	0.5	Not available	0.25
TU overall score	9.2	8.9	7.84	7.68	7.6	6.81
Open an account	Go to broker Your capital is at risk.	Go to broker Your capital is at risk.	Go to broker Your capital is at risk.	Go to broker Your capital is at risk.	Go to broker Your capital is at risk.	Go to broker Your capital is at risk.

1

9.4/10

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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.

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2

9.2/10

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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.

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3

9.1/10

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BTCC is a cryptocurrency exchange established in June 2011. The platform is operated by a company regulated in three jurisdictions: in the United States by FinCEN (Financial Crimes Enforcement Network), in Canada by FINTRAC (Financial Transactions and Reports Analysis Centre of Canada), and in Lithuania by the Registrar of Legal Entities of Lithuania. BTCC offers spot trading for over 300 cryptocurrencies, futures contracts with leverage up to 1:500, and a copy trading service. A demo account with a virtual balance of 100,000 USDT is available for beginners. The platform supports both web-based trading and mobile apps for iOS and Android.

Pros/Cons

•Registered and regulated in the United States (FinCEN), Canada (FINTRAC), and Europe.

•Cold wallet asset storage with multisignature protection and two-factor authentication (2FA).

•Spot trading for more than 300 cryptocurrencies and futures with up to 1:500 leverage.

•Mobile apps and TradingView integration for advanced chart analysis.

•No staking or passive income options beyond copy trading.

•Fewer trading pairs than some other exchanges.

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4

8.9/10

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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.

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5

8.7/10

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Nebeus is a regulated crypto financial platform that integrates digital assets and traditional currencies within a single ecosystem. Founded in 2014, the service offers tools for everyday cryptocurrency use. Users can exchange crypto assets for euros, transfer funds, and manage finances through a single application. The platform supports more than 30 cryptocurrencies and is registered with the Bank of Spain under number D664 to provide custody and crypto purchase and sale services. It also holds Electronic Money Institution (EMI) status with the Financial Conduct Authority (FCA) in the United Kingdom and a Virtual Asset Service Provider (VASP) license in Argentina issued by the National Securities Commission (CNV).

Nebeus also offers crypto-backed loans. Users can pledge digital assets as collateral and receive liquidity without selling their holdings, which preserves potential portfolio growth. Interest rates start from 4% per year, and applications do not require a credit history check. The platform also provides opportunities to earn passive income through staking, with returns of up to 7.5% per year.

Nebeus offers five cryptocurrency-backed lending models with varying conditions. Two models stand out in particular:

• StableLoan. A loan in euros backed by stablecoins such as USDC or EURC, with a fixed Loan-to-Value (LTV) ratio of 95%. Since the collateral is based on stablecoins, this structure is protected from typical cryptocurrency price fluctuations. Funds are initially transferred to the user's Nebeus wallet in euros and can then be transferred to an IBAN supporting cryptocurrency without additional fees, creating a bridge between cryptocurrency and fiat while maintaining ownership of the underlying assets.

• Mirror Loan. A model based on BTC or ETH that allows clients to increase their holdings of the same assets using existing collateral. In the event of market corrections, this model effectively functions as a accumulation strategy, enabling users to increase their BTC or ETH holdings without the need to invest new funds.

Digital assets can be managed through the integrated Nebeus Wallet, which supports storage, sending, and receiving of cryptocurrencies as well as euro transactions. Additional protection is provided by Nebeus Vaults, specialized storage solutions designed for long-term holding of digital assets with enhanced security. According to the platform, assets held in custody are insured for up to $250 million for Bitcoin and Ethereum.

Pros/Cons

•Registration in several jurisdictions as a provider of custody and digital asset operations services.

•Crypto-backed loans without selling assets.

•Loan interest rates from 4% per year.

•Support for more than 30 cryptocurrencies.

•Staking with yields up to about 7.5% per year on selected assets.

•Nebeus Wallet for storing, sending, and receiving cryptocurrencies.

•Vault storage for long-term asset protection.

•Personal IBAN for euro transactions and bank transfers.

•Insurance coverage up to $250 million for BTC and ETH.

•No full exchange-style trading functionality.

•A smaller range of cryptocurrencies compared to major crypto exchanges.

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6

8.6/10

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The Crypto.com exchange is a platform for spot and derivative trading in cryptocurrencies. Bitcoin, Ethereum, Litecoin, Ripple, and dozens of other cryptocurrencies and tokens are traded here. The list of available assets is regularly updated - users choose the asset themselves and vote for its introduction to the platform. The exchange offers a standard trading terminal represented by a web version and a mobile application Crypto.com Mobile App. Fiat is not traded on the platform. All major deposit and withdrawal options are available. Traders can take USDC, USDT, BTC, and ETH on credit for up to 12 months at a flexible rate. The unique Supercharger program allows traders to earn money on cryptocurrency deposits. The Trading Arena system allows traders to earn additional income by participating in contests and tournaments.

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.

STUDY REVIEW

How to earn interest on crypto

Crypto staking

In crypto blockchains such as Cardano, Solana and Polkadot, staking is a popular way to earn interest on holdings and also provides security.

Also later this year, Ethereum 2.0 will switch from a proof-of-work to a proof-of-consensus mechanism. Cryptocurrency exchange platforms already allow Ethereum investors to stake their ETH holdings.

In cryptocurrency, staked coins are locked up and pledged to the protocol. Validation nodes are set up by entities staking crypto as a way to gain access to becoming validators.

As a result, validators are chosen from among the eligible nodes to confirm blocks of transactions. New cryptocurrency coins are created and distributed to the block's validator each time a new block of transactions is verified and added to the blockchain.

As soon as you stake crypto, your node will be used to validate transactions and you will get paid for doing so. With more crypto staked, you will be allotted more transactions to validate, and you will receive more payments.

Several crypto exchanges and platforms allow you to stake crypto, including Crypto.com, Binance, ByBit, Kraken, and Coinbase.

It is possible to reap high returns from crypto staking. But how much you make depends on the crypto coin you’re staking and the exchange you use. For example, for a more conservative approach to investing, you might consider staking stablecoins.

Stablecoin prices rarely fluctuate over time. Because cryptocurrencies are tied to stable underlying assets, they reduce volatility.

As of now, investors can earn an annualized yield of 12.3% by staking their Tether coins. There is only a slight difference in yield between Tether and USD Coin: around 12%. With $100,000 invested in either cryptocurrency, passive income could reach $12,000 per year.

However, stablecoins aren't the only option. There are other cryptocurrencies that use the PoS consensus mechanism that offer attractive yields and can appreciate in price as well.

PoS cryptocurrencies like Solana (SOL) are among the most popular. The yield for staking digital tokens can be as high as 15%, although many exchanges offer lower yields.

Staking Cardano (ADA), another top-10 cryptocurrency, can yield up to 11.2%. However, some exchanges do not pay high yields for staking Cardano.

There is even more potential in the up-and-comer Avalanche (AVAX). There is currently a maximum yield of 21.6% for the digital token available. The yield on Terra (LUNA) can reach 24%.

There are also several metaverse cryptocurrencies with high yields. Binance, for instance, offers yields of over 75% for staking Axie Infinity (AXS).

DeFi farming

In the same way you earn interest on money in your savings account, DeFi yield farming allows you to earn interest on your cryptocurrency. To reap the rewards of yield farming, you place your cryptocurrency in a "stake" for a period of time and lock it up for interest.

A traditional loan from a bank is repaid with interest. It's the same concept as yield farming: cryptocurrency is lent out instead of sitting in an account, generating profits for the investor

Crypto lending

Aside from staking and DeFi yield farming, crypto investors can also earn interest by lending their crypto.

An investor can lend crypto through cryptocurrency exchanges or decentralized finance (DeFi) apps that offer crypto interest accounts, which are similar to traditional savings accounts.

As with traditional certificates of deposit (CDs), some lending accounts pay variable crypto interest rates while others pay set crypto interest rates.

How to choose a crypto interest account?

While there are many crypto interest accounts offering great rewards, you should know how to choose the best one for your needs. Here are five tips that can help:

Assess your goals

As with all other investments, having a clear understanding of your goals is the first step when it comes to choosing a crypto interest account. Knowing exactly what you hope to achieve with this type of investment will help you determine which accounts are best suited for your needs.

Are you looking for an account that offers flexible access to your funds? Or would you rather hold on to your investment for the long term? Answering these questions will help you narrow down your search and find the crypto interest account that fits your needs.

Check for interest rate rules

Before signing up for an account, it is important to understand the rules and conditions associated with the interest rate offered. Many crypto accounts have a minimum balance requirement in order for you to be eligible for the highest APYs.

Furthermore, some accounts may also require you to leave your funds untouched in order to be eligible for a higher interest rate. Be sure to read the fine print and make sure you understand all of the rules before committing to an account.

Look into fees and penalties

When choosing a crypto interest account, it's important to consider not only the amount of interest you'll earn but also any fees or penalties that come with it. While some accounts may offer high interest rates, they may also have hidden fees or hefty penalties for early withdrawals.

Make sure you understand all of the fees associated with an account before signing up. That way, you can ensure that you're getting the best value for your money and avoiding any unexpected costs down the line.

Consider security

It is critical to make sure that the platform you are using is secure and reliable. Make sure that the crypto interest account you choose has a good track record when it comes to safety and security.

There are many ways to check for security, including looking into the platform's record of protecting user data and reviewing customer reviews. Make sure that the account you choose is trustworthy and has proven itself secure over time.

Check for support options

Finally, it's important to make sure that the crypto interest account you choose provides good customer service and support. This is especially important if you ever find yourself with a question or issue that needs to be addressed quickly.

Check to see if the platform offers live chat, phone support, or email assistance. That way, you can be sure that you'll have access to help if ever needed.

What are the best stablecoin interest rates?

Staking stablecoins is a smart move for crypto investors who want to earn a high interest rate while protecting their funds from price volatility. Here's a small table on some of the best stablecoin interest rates on the market today.

What is APY in crypto?

APY refers to the annual percentage yield, which is the measure of the return an investor can expect to earn on a deposit over a one-year period. To calculate the APY using 7-day returns, you need to take the net price difference within the last seven days and today, then generate an annual percentage, i.e: APY = (X − Y − Z) ÷ Y × 365/7. In this formula:

APR stands for Annual Percentage Rate, which is the interest rate that crypto investors will earn from the assets they've invested within a year. The figure is usually written as a percentage. The primary difference between APY and APR is that APY accounts for compounding interest, whereas APR does not. Compound interest means that the interest earned on your deposit will accumulate over time, creating an even higher return as more time passes. The higher the APY rate of a crypto account, the better it is for investors.

What are crypto interest rates accounts risks?

While crypto interest accounts are a fantastic way to earn passive income, there are always risks involved. There are two main types of risk associated with bitcoin interest rate accounts:

The platform may be unreliable

Perhaps the most significant risk of bitcoin interest rate accounts is that the platform may be unreliable. In this case, the account will not return money. That's why it’s important to do your due diligence and thoroughly research the platform before investing. Make sure that the platform has a good reputation and has been around for some time.

Sharp changes in cryptocurrency prices

Another risk associated with bitcoin interest rate accounts is that the price of the cryptocurrency you have "frozen" may change drastically over time. In this case, even the interest payments won't be enough to cover any losses incurred by a sharp decrease in value. As such, it’s important to consider the volatility of bitcoin and other cryptocurrencies when investing.

Сrypto interest accounts can be a powerful tool

Rinat Gismatullin Author and business expert

From my personal experience, crypto interest accounts can be a powerful tool, but only if you approach them with the same discipline as active trading. I’ve learned not to chase the highest APY blindly – unusually high yields almost always come with hidden risks, whether that’s long lock-up periods, unclear mechanics, or exposure to volatile tokens. My recommendation is to start conservatively: split funds across different mechanisms, prioritize assets you already believe in long term, and always test a platform with a small amount before committing serious capital.

I also treat crypto interest accounts as a complement, not a replacement, for a broader strategy. They work best for capital that would otherwise sit idle, especially during sideways or uncertain markets. Most importantly, I regularly reassess conditions – APYs change, market risks evolve, and what made sense six months ago may no longer be optimal. In crypto, passive income still requires active thinking.

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Team that worked on the article

Ivan Andriyenko

Author at Traders Union

Ivan is a financial expert and analyst specializing in Forex, crypto, and stock trading. He prefers conservative trading strategies with low and medium risks, as well as medium-term and long-term investments.

Learn about our editorial policies

Dr. BJ Johnson

Developmental English Editor

Dr. BJ Johnson is a PhD in English Language and an editor with over 15 years of experience. He earned his degree in English Language in the U.S and the UK.

Glossary for novice traders

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.

Index

Index in trading is the measure of the performance of a group of stocks, which can include the assets and securities in it.

Investor

An investor is an individual, who invests money in an asset with the expectation that its value would appreciate in the future. The asset can be anything, including a bond, debenture, mutual fund, equity, gold, silver, exchange-traded funds (ETFs), and real-estate property.

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.

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.