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Top Crypto Interest-Earning Accounts, Ranked

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A real-time buyer's guide to the best cryptocurrency interest-earning accounts

In recent years, cryptocurrency interest-earning accounts are enjoying growing interest from crypto investors. The chance to take advantage of your digital assets and ensure a steady passive income stream without selling them appeals to a variety of market participants. From HODLers, through crypto miners, to companies and corporate investors - today everyone is enjoying the benefits of cryptocurrency interest-earning accounts. Our buyer's guide ranks the leading service providers to help you find the best choice for your cryptocurrency deposits. Find out which are the most reputable crypto interest-earning account providers and get familiar with their offerings in our ranking list below.

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Cryptocurrency Interest-Earning Accounts

Dharma claims to be the world's first cryptobank. It allows you to make quick and convenient stablecoin deposits and withdrawals from anywhere. Users can earn up to 7.0% interest on their deposits. They can start earning interest as soon as they make a deposit. The platform supports only one asset - Dai. According to the Dharma team, depositors earn interest in real-time, roughly every 15 seconds. This interest is withdrawable 24/7. The minimum requirement for deposits and withdrawals is $0.01. There are no fees or penalties for deposits, withdrawals, or interest payments.

Rank
01
Reputation Score 976
Days on List 156
Links 614
Recent Tweets 0

Binance Savings is a service that allows you to deposit your cryptocurrencies into the platform and start earning interest. Users can take advantage of flexible and fixed deposits. The difference is in the duration and the interest rates. Users can take advantage of deposits with a duration as low as 14 days and earn interest up to 15%. The Flexible Deposits product supports Bitcoin (BTC), Binance USD (BUSD), Binance Coin (BNB), and Tether (USDT) while the Fixed Deposits product offers access to over 15 additional digital assets. Users are granted the flexibility to redeem their funds at any time. The accruing interest earnings are distributed on a daily basis for flexible deposits and on the redemption date for fixed deposits. Users can subscribe to Binance Savings with just a few clicks.

Rank
02
Reputation Score 797
Days on List 156
Links 1,374
Recent Tweets 16

Nuo Network is a platform that enables users to borrow and lend cryptocurrencies. Nuo is designed as a peer-to-peer marketplace that uses open-source smart contracts to connect lenders and borrowers and execute transactions between them. Users can start earning interest by signing up and adding an ETH or ERC20 token deposit to their Nuo accounts. Next, they have to create a debt reserve for a particular duration. Debt reserves are pools of tokens lent to borrowers based on their loan requests. The daily interest percentage users can earn depends on the specifics of the debt reserve. When the reserve's duration expires, the entire amount and the interest earned are automatically transferred to the user's Nuo account.

Rank
03
Reputation Score 761
Days on List 156
Links 97
Recent Tweets 0

Crypto Earn is a cryptocurrency deposit service from Crypto.com. It allows users to earn up to 8% p.a. on cryptocurrency deposits. Stablecoin investors can expect higher rates of up to 12% p.a. The size of interest earnings depends on the currency and the term of the deposit. All interest earnings are paid weekly in the cryptocurrency in which the deposit is made. Crypto Earn supports a variety of cryptoassets, including BTC, ETH, LTC, XRP, BNB, and more. Supported stablecoins include USDC, USDT, TUSD, and others. The Crypto Earn team promises to be continually looking at expanding its portfolio of supported assets.

Rank
04
Reputation Score 712
Days on List 156
Links 1,181
Recent Tweets 0

YouHodler offers cryptocurrency interest accounts that allow you to earn up to 12% a year. The procedure is pretty straightforward - the user deposits digital assets or fiat in his YouHodler wallet and then starts earning interest on them. YouHodler pays interest on Bitcoin, BNB, USDT, USDC, PAX, and TUSD deposits. If the user doesn't have such crypto he can convert it from other cryptocurrency or fiat currency. The interest payments are made in stablecoins or cryptocurrencies and are deposited directly in the wallet every month. All deposits are protected by YouHodler's own security fund of $1M. Users also are able to use the savings in their accounts as collateral for lending products.

Rank
05
Reputation Score 568
Days on List 156
Links 17,713
Recent Tweets 10

BlockFi is among the leading crypto interest account providers worldwide. The BlockFi Interest Account (BIA) lets you earn compound interest on your Bitcoin, Ether, Litecoin, USDC, and GUSD. By storing your digital assets at BlockFi, you can earn annual interest of up to 8.6% paid out in cryptocurrencies every month. Thanks to BlockFi's Interest Payment Flex feature, users can select a particular cryptocurrency for their interest payments and diversify their portfolios without purchasing additional digital assets. There is no minimum balance required to start using the platform. Withdrawals are often concluded on the same day, although BlockFi reserves up to 7 days to process a client fund withdrawal.

Rank
06
Reputation Score 513
Days on List 157
Links 112
Recent Tweets 2

Cryptolend is an automated platform that allows you to start earning interest on your cryptocurrencies. Once you connect your Poloniex or Bitfinex account to Cryptolend, the automated bot starts searching for users that need margin lending services. Cryptolend's users can earn up to 15% interest, which can vary depending on the specific terms of each offer, as well as the asset. The platform supports a variety of cryptocurrencies, including BTC, ETH, NEO, LTC, and more. Cryptolend offers a free Basic account, as well as a Premium Membership account that comes at the cost of 3% of your gains. The perks of the Premium Membership account include VIP support, more flexible terms, higher frequency of bot responses, and more.

Rank
07
Reputation Score 416
Days on List 156
Links 44
Recent Tweets 0

The Nebeus Savings Account allows you to earn interest even if you don't currently have cryptocurrencies. You can sign up for a Nebeus account, deposit money, buy a cryptocurrency, and then place it in a crypto savings account. The monthly interest is automatically credited to your wallet. You can withdraw your profit whatever you want, without delays. Your deposited capital is deployed to crypto-collateralized loans that are fully backed by borrowers' collateral. You can open a Nebeus account with at least 0.06 BTC or 0.3 ETH. You can earn fixed interest in the range of 8.45% – 13.25%.

Rank
08
Reputation Score 275
Days on List 157
Links 5
Recent Tweets 0

Aside from being an established cryptocurrency loan service provider, Celsius Network also offers crypto interest accounts with up to 10% annual interest. The platform tries to be flexible and provide its users with the option to earn on their own terms. It doesn't require any minimum deposits - users can earn interest on $5 or $5 million. There are no associated fees and clients can make withdrawals at any time for any amount. Users are free to choose in which currency they want to have their weekly interest payment deposits. The platform supports a variety of digital assets, including BTC, XRP, LTC, ETH, BCH, XLM, and more.

Rank
09
Reputation Score 247
Days on List 156
Links 201
Recent Tweets 1

Cred is a financial product that allows owners of cryptoassets to earn interest on their crypto holdings. Cred is able to leverage its returns by lending digital assets to a variety of customer segments, including crypto miners, digital asset companies, crypto investment funds, and retail investors. The platform offers a fixed maturity date and specified fixed interest rate for 29 digital assets, including BTC, XRP, and more. Platform users can deposit cryptocurrencies from Cred's partners, including Uphold, Bitcoin.com, and Bitbuy. Cred pays interest monthly in crypto, stablecoins, or fiat. After 6 months, your assets are returned to you. You can also choose to auto-enroll for an additional 3-month period. Users are free to choose the amount they want to participate with.

Rank
10
Reputation Score 183
Days on List 156
Links 118
Recent Tweets 0

Ledn provides credit and savings products, tailored to the needs of Bitcoin investors. The Ledn Savings account allows Bitcoin investors to earn compound interest on their Bitcoin deposits and grow their wealth. The Bitcoin savings accounts provide Ledn's clients with the opportunity to earn interest of 3.6% APY compounded monthly. Interest payments are calculated and paid out in BTC at the start of every month. Opening an account is a simple and straightforward procedure that takes no more than 2 minutes. Ledn is incorporated under the Federal Laws of Canada and is compliant with Canadian regulations.

Rank
11
Reputation Score 163
Days on List 156
Links 0
Recent Tweets 0

CoinLoan's Interest Account provides the chance to earn high-yield returns (up to 8% APY) by depositing crypto assets or fiat in the platform. The minimum deposit term is one day, and the maximum is unlimited. Interest is accrued daily and deposited directly into your wallet on the first day of the month. Users are free to withdraw funds at any time with a single click. The platform supports fiat (EUR), cryptocurrencies (BTC, BCH, ETH, and more), and stablecoins (TUSD, USDC, PAX, DAI, USDT). CoinLoan is registered and operates from Estonia.

Rank
12
Reputation Score 141
Days on List 156
Links 2
Recent Tweets 1

CILIO Finance is a platform that lets users lend and borrow cryptocurrency at competitive rates. CILIO's Lend product pays daily interest on deposits of BTC, USDT, ETH, DAI, and USDC. There are no lock-in periods or hidden fees, and there are no minimum or maximum deposit or withdrawal limits. A feature unique to CILIO is that users can deposit BTC and earn interest in the form of USDT. CILIO also offers a referral program that pays customers 10% of the daily interest earned by friends invited to the platform.

Rank
13
Reputation Score 132
Days on List 40
Links 112
Recent Tweets 12

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