Phemex

All Crypto Lending Companies & Platforms

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AmberApp

Founded: 2017
Availability: Australia, majority of USA
HQ: Australia

Summary

AmberApp (formerly amber.) is a Bitcoin savings wallet. It offers DCA (dollar-cost averaging) tools and other automation that can help you easily acqu...

AQRU

Founded: 2022
Availability: Not available in US
HQ: London, UK

Interest Rates

ETH 2% ↓
Stablecoins 1%

Summary

AQRU is a custodial interest account platform offering interest for some cryptocurrencies. AQRU has begun to add crypto exchange services to its pl...

Bake

Founded: 2019
Availability: Non-us
HQ: Singapore

Interest Rates

BTC 2.5% steady
ETH 2.5% steady
Stablecoins 6.5% steady

Summary

Bake is a blended staking, lending and yield platform that makes it easy to start experimenting with DeFi products within a centralized platform. Bake...

Binance

Founded: 2017
Availability: Worldwide, excluding US
HQ: Malta

Interest Rates

BTC 0.28%
ETH 2.59%
Stablecoins 12.69%
SOL 7.83%
LTC 0.45%
DOGE 0.23%

Summary

Binance is the largest cryptocurrency exchange globally, offering a robust platform with competitive maker and taker fees that vary based on the user'...

Binance US

Founded: 2019
Availability: US only
HQ: CA, USA

Interest Rates

ETH 3.4% ↑
SOL 7.2% ↓

Summary

Binance US Staking Binance US (binance.us) offers native staking for ETH and SOL held on its popular exchange platform. Staking rewards are made we...

Bitcoin IRA

Founded: 2015
Availability: Worldwide
HQ: Sherman Oaks, CA

Interest Rates

BTC 2% steady
ETH 2% steady
Stablecoins 6% steady

Summary

Bitcoin IRA is a retirement-focused IRA account powered by Bitcoin, Ether and USD. Monthly payouts, low minimums and no lockup period (5-day settlemen...

Bitfinex

Founded: 2012
Availability: Worldwide, excluding US
HQ: Taiwan

Interest Rates

BTC 1.98%
ETH 1.45%
SOL 9.3%

Summary

Bitfinex offers two unique products to earn yield on deposited crypto. Bitfinex Lending Pro is a crypto lending offering that pays variable rates o...

Bitget

Founded: 2018
Availability: Worldwide, excluding US
HQ: Seychelles

Interest Rates

BTC 1.5%
ETH 8%
Stablecoins 12.78%
SOL 10%
LTC 0.3%
DOGE 0.3%

Summary

Bitget, established in 2018, is a cryptocurrency exchange and Web3 company that has rapidly expanded its services to over 45 million users across more...

BitMart

Founded: 2017
Availability: Worldwide
HQ: New York

Interest Rates

BTC 1.5%
ETH 1%
Stablecoins 12%
SOL 9% ↑

Summary

BitMart is a global cryptocurrency exchange launched in 2017, catering to over 9 million users in 180+ countries. It offers a comprehensive trading pl...

Bitrue

Founded: 2018
Availability: Not available in US or China
HQ: Singapore

Interest Rates

BTC 1.3% ↑
ETH 1.8%
Stablecoins 6.045%
SOL 0.465%
LTC 0.465%

Summary

Bitrue is a crypto exchange with a variety of earn programs. Bitrue's Power Piggy product is a high-yield investment service focused on helping inv...

Bitunix

Founded: 2021
Availability: Worldwide
HQ: St. Vincent

Summary

Bitunix is a centralized cryptocurrency exchange that focuses on both spot and derivatives trading. It supports over 270 cryptocurrencies, including p...

BTSE

Founded: 2018
Availability: Worldwide, excluding US
HQ: Taiwan

Interest Rates

BTC 3%
ETH 3%
Stablecoins 6.5% steady
SOL 5.01%

Summary

BTSE is a popular crypto exchange with a variety of Earn products. BTSE Earn allows users to earn interest on their crypto assets. It has fixed, fl...

Bybit

Founded: 2018
Availability: Worldwide, excluding US
HQ: Signapore

Interest Rates

BTC 0.6%
ETH 0.5%
Stablecoins 8.79%
SOL 1%
LTC 1%
DOGE 1%
XRP 0.8%

Summary

Bybit offers a variety of Earn programs designed to help users maximize their cryptocurrency holdings through flexible and fixed-term savings, staking...

CEX.IO

Founded: 2013
Availability: Worldwide, earn programs not available in US
HQ: UK

Interest Rates

BTC 0.5%
ETH 3%
Stablecoins 4%
SOL 5%
LTC 1%
DOGE 2.3%

Summary

CEX.IO is a cryptocurrency exchange known for offering a user-friendly experience for buying, trading, and earning crypto. It supports spot trading, s...

Coinbase

Founded: 2012
Availability: 100+ countries
HQ: Wilmington, DE

Interest Rates

ETH 2.01% steady
Stablecoins 4.1% ↓
SOL 6.11% steady

Summary

Coinbase is one of the most popular centralized crypto exchanges. Coinbase Earn is Coinbase's interest-bearing product. They offer staking-as-a-ser...

Coinchange

Founded: 2017
Availability: Worldwide
HQ: Canada

Interest Rates

BTC 8% ↑
ETH 8% ↑
Stablecoins 7.6% ↓

Summary

Coinchange is a custodial crypto interest account platform that uses defi to generate yield for its users. Earn: Enjoy APY on stablecoins and other...

CoinEx

Founded: 2017
Availability: Worldwide, excluding US
HQ: LA, USA

Interest Rates

ETH 2.75% ↓
Stablecoins 5.1% ↓
SOL 5.64% ↓

Summary

CoinEx is a global crypto exchange founded in 2017. It supports 18 languages and 200+ countries. CoinEx Earn Programs CoinEx provides multiple e...

Coinhold

Founded: 2017
Availability: Worldwide
HQ: Hong Kong

Interest Rates

BTC 8% steady
ETH 8% steady
Stablecoins 14% steady
LTC 8% steady

Summary

Coinhold, by mining pool company Emcd, is a crypto interest account, supporting BTC, ETH, LTC and stablecoins USDC and USDT. To start earning with ...

CoinJar

Founded: 2013
Availability: Australia and the United Kingdom (UK)
HQ: Melbourne, Australia

Summary

CoinJar is an Australian cryptocurrency exchange and platform. It offers a variety of services, like CoinJar Exchange, CoinJar Card and CoinJar Bundle...

CoinRabbit

Founded: 2020
Availability: Worldwide
HQ: Seychelles

Interest Rates

BTC 0.3%
ETH 1.2%
Stablecoins 5%

Summary

CoinRabbit is a stablecoin-focused lending/loan platform. CoinRabbit offers monthly yield on USDT (Tether) and USDC (Circle). With no KYC, no fees,...

Cropty Wallet

Founded:
Availability: Worldwide
HQ: London, UK

Interest Rates

Stablecoins 6%

Summary

Cropty Wallet is a custodial wallet for managing, earning, borrowing crypto. It supports multiple cryptocurrencies in a single wallet. Cropty Earn ...

Crypto.com

Founded: 2016
Availability: Worldwide, all US states except NY
HQ: Hong Kong

Interest Rates

BTC 0.2% steady
ETH 0.2% ↑
Stablecoins 0.5% ↑
SOL 0.25% ↑

Summary

Crypto.com, sometimes referred to as CDC, is a popular crypto interest account platform with many services like the Crypto.com Card and CRO, the Crypt...

Digifinex

Founded: 2017
Availability: Worldwide, excluding US
HQ: Signapore

Interest Rates

BTC 0.1%
ETH 0.5%
Stablecoins 2.5%

Summary

DigiFinex is a cryptocurrency exchange and digital asset platform that offers various financial services, including cryptocurrency trading and wealth ...

EarnPark

Founded: 2017
Availability: Worldwide (services limited in the US)
HQ: UK

Interest Rates

BTC 15% steady
ETH 8% ↓
Stablecoins 7% ↓
SOL 7% ↓
DOGE 7% steady

Summary

EarnPark is a crypto investment platform that provides financial services to users looking to earn interest using cryptocurrencies. They are developin...

Ember Fund

Founded: 2018
Availability: Worldwide
HQ: Los Angeles, USA

Summary

Ember Fund is an app that offers an engaging and accessible platform for acquiring Bitcoin through an ecosystem uniting earning, playing, and investin...

EXMO

Founded: 2017
Availability: Worldwide
HQ: Lithuania

Summary

Operating since 2014, EXMO.com is a prominent cryptocurrency exchange. The platform reports a daily trading volume of $60 million, serving over 1 mill...

Fideum

Founded: 2018
Availability: Worldwide
HQ: Gibraltar

Interest Rates

BTC 1%
ETH 1%

Summary

Fideum, formerly blockbank, is an all-in-one crypto banking super app, with crypto support. Fideum pays interest on crypto deposits. Fideum combine...

Fierce

Founded: 2021
Availability: Worldwide
HQ: New York, USA

Summary

Fierce is a financial super app for managing your portfolio and earning rewards. Fierce helps you manage cash, crypto and stocks in a single app. I...

Finblox

Founded: 2021
Availability: Worldwide
HQ: Hong Kong

Interest Rates

BTC 6% ↑
ETH 6.2% ↑
Stablecoins 9% ↑
SOL 10% ↑
XRP 3%

Summary

Finblox is a crypto interest savings platform offering cryptocurrency interest accounts. It offers a wide selection of coin support, most paying inter...

Gemini

Founded: 2014
Availability: All US states and Singapore
HQ: New York, NY

Interest Rates

ETH 2.02% ↑
SOL 2.36%

Summary

Gemini Staking is a staking service ran by the Gemini Exchange. Gemini pays rewards on ETH, SOL and MATIC. Gemini offers a credit card, full exchan...

HTX

Founded: 2013
Availability: Worldwide, excluding US
HQ: China

Interest Rates

ETH 6%
Stablecoins 10%
SOL 6%
XRP 1%

Summary

HTX, formerly known as Huobi Global, is a cryptocurrency exchange that has rebranded to signify a new chapter in its operations. The name HTX reflects...

Juno

Founded: 2019
Availability: Worldwide
HQ: India, US, UK

Summary

Juno (formerly OnJuno) is a neobank, that is fully online, with FDIC insurance and and is cryptocurrency friendly. In August, Juno announced discon...

Kraken

Founded: 2011
Availability: Worldwide, on-chain staking unavailable in the US and UK
HQ: San Francisco, CA

Interest Rates

BTC 0.15% ↓
ETH 2.5% ↓
Stablecoins 6.5% ↑
SOL 8% ↑

Summary

Kraken is a digital asset exchange platform that was founded in 2011 and is headquartered in San Francisco, California. UK Residents: Don’t invest ...

KuCoin

Founded: 2017
Availability: Worldwide, excluding US
HQ: Seychelles

Interest Rates

BTC 1%
ETH 2.8%
Stablecoins 12%
SOL 6.2% ↓
LTC 0.04% ↓
DOGE 0.19%

Summary

KuCoin is a leading crypto exchange platform that offers a wide array of earning products, including savings, staking and lending programs.

Ledn

Founded: 2018
Availability: Worldwide, excluding US and Canada
HQ: Ontario, Wyoming

Interest Rates

BTC 2.25%
ETH 3.5%
Stablecoins 9.5% ↓

Summary

Ledn pays interest for crypto on its Growth Accounts for BTC, ETH, USDC and USDT.

M2

Founded: 2023
Availability: Not available in the US
HQ: UAE

Interest Rates

BTC 3.5%
ETH 3.5%
Stablecoins 9%
SOL 3%
DOGE 3.5%

Summary

M2 is a crypto exchange and crypto interest account platform. It pays interest on BTC, USDT, ETH, SOL, DOGE and other altcoins. Choose an Ea...

Maple Finance

Founded: 2018
Availability: Worldwide (excluding the UK)
HQ: Australia

Summary

Maple offers Bitcoin, Solana and USDC lending to meet your liquidity, risk and return requirements. It focused on overcollateralized lending to instit...

Nebeus

Founded: 2014
Availability: UK, Europe and Latin America
HQ: Spain

Interest Rates

BTC 3.11%
ETH 3.5%
Stablecoins 7.18%
LTC 4%
XRP 3.24%

Summary

Nebeus is a multi-currency financial platform, merging money with crypto. Nebeus supports 25+ coins. Nebeus Crypto Renting Rent (lend) your cryp...

Nexo

Founded: 2017
Availability: Worldwide (excluding US and Canada)
HQ: London, UK

Interest Rates

BTC 4%
ETH 5%
Stablecoins 11% ↑
SOL 5%
LTC 5%
DOGE 1%
XRP 5%

Summary

Nexo is one of the most popular crypto interest account platforms, with Nexo Earn. Nexo offers a crypto credit card, competitive crypto interest ra...

Okcoin

Founded: 2013
Availability: Worldwide
HQ: San Francisco, CA

Summary

Okcoin is rebranding to OKX.

OKX

Founded: 2017
Availability: Worldwide, some services unavailable in US
HQ: Seychelles

Interest Rates

BTC 1%
ETH 1.88%
Stablecoins 6.6%
SOL 7.86% ↑
LTC 1% steady
DOGE 1% steady

Summary

OKX (formerly OKEx and okcoin) is a popular and large crypto exchange that offers OKX Earn, a suite of products, which includes crypto savings account...

Phemex

Founded: 2019
Availability: Worldwide
HQ: Singapore

Interest Rates

BTC 0.8%
ETH 0.3%
Stablecoins 4.5%
SOL 0.75%

Summary

Phemex is a crypto exchange offering exceptionally low fees and powerful tools for trading. Phemex Earn Phemex Earn is a crypto lending product ...

Poloniex

Founded: 2014
Availability: Worldwide, excluding US
HQ: Boston, USA

Interest Rates

BTC 0.06% ↓
ETH 3%
Stablecoins 4%
SOL 6%
DOGE 2%

Summary

Poloniex is a cryptocurrency exchange that offers both staking and savings programs under its "Polo Earn" feature. Users can participate in flexible a...

PrimeXBT

Founded: 2018
Availability: Worldwide, excluding US
HQ: Seychelles

Summary

PrimeXBT is a cryptocurrency and trading platform that offers multi-asset trading capabilities and advanced tools for investors. PrimeXBT appeals t...

Probit

Founded: 2018
Availability: Worldwide
HQ: South Korea

Summary

Probit Global is a top 20 global cryptocurrency exchange, featuring 500+ trading pairs. It has limited interest-bearing options. Probit referral co...

River

Founded: 2019
Availability: US only, excluding NY and NV
HQ: USA

Summary

River is a Bitcoin-focused savings platform. You can buy and hold BTC alongside traditional USD deposits. It serves only customers in the US. Earn ...

Rivo

Founded:
Availability: Worldwide
HQ:

Interest Rates

BTC 3.2%
ETH 6.8%
Stablecoins 6.3%

Summary

Rivo is a decentralized finance (DeFi) platform that streamlines crypto investing by integrating a multichain smart-contract wallet with a curated yie...

SALT

Founded: 2016
Availability: Worldwide
HQ: Denver, USA

Interest Rates

BTC 3%
ETH 4%
Stablecoins 10%

Summary

SALT enables individual investors and businesses with crypto assets to generate and preserve long-term wealth. SALT LEND offers attractive rates o...

Syrup

Founded: 2024
Availability: Worldwide (excluding US, Australia and OFAC sanctioned countries)
HQ:

Interest Rates

Stablecoins 15% ↑

Summary

Syrup, powered by Maple Finance, is a stablecoin-focused decentralized platform, paying high rates for USDC and USDT. The Syrup platform offers per...

Uphold

Founded: 2014
Availability: Worldwide
HQ: NY, USA

Interest Rates

Stablecoins 5%

Summary

Uphold is a versatile and user-friendly digital asset platform that allows individuals to buy, sell, trade, and hold a variety of assets, including cr...

WhiteBIT

Founded: 2018
Availability: Worldwide
HQ: Estonia

Interest Rates

BTC 0.23% ↓
ETH 0.23% ↓
Stablecoins 0.25% ↓
SOL 1.01% ↓
LTC 1.01% ↓
DOGE 1.01% ↓

Summary

WhiteBIT is a popular crypto exchange with a lending product called Whitebit Crypto Lending. Crypto Lending at WhiteBIT

Wirex

Founded: 2014
Availability: Worldwide, excluding NY
HQ: London, UK

Summary

Wirex is an app to buy, sell, and spend crypto. Wirex offers a crypto back credit card, and interest bearing crypto accounts called X-Accounts. X-A...

YouHodler

Founded: 2018
Availability: Not available in the US, Canada
HQ: Switzerland, Cyprus

Interest Rates

BTC 7% ↑
ETH 7% ↑
Stablecoins 10% ↑
SOL 7% ↑
LTC 11% ↑
DOGE 7% ↑
XRP 12%

Summary

YouHodler offers crypto saving accounts (Yield Account) for 30+ coins, including Bitcoin (BTC), Ripple (XRP), Binance Coin (BNB), Cardano (ADA) and a ...