In today’s fast-evolving digital economy, simply holding cryptocurrency isn’t always enough. While many investors wait for Bitcoin’s price to surge, their assets often sit idle—missing out on potential passive income. Fortunately, there are now several secure and reliable platforms where you can earn interest on crypto, especially on Bitcoin and other major digital assets.
Whether your crypto is stored on an exchange or in a wallet, you can put it to work. The key is choosing platforms that offer competitive annual percentage yields (APY), strong security, and transparent operations. Below, we explore the top platforms that let you generate returns on your holdings—without selling your crypto.
Top Platforms to Earn Interest on Crypto
The following services have been evaluated based on interest rates, security, ease of use, supported currencies, and regulatory compliance. These are among the most trusted platforms for generating passive income from cryptocurrency.
1. Crypto.com
Rating: 5/5
Crypto.com has emerged as a leading platform for earning interest on crypto. Founded in 2016, it offers a full ecosystem including a crypto exchange, debit cards, and a native token (CRO), which enhances user benefits.
👉 Discover how to maximize your crypto earnings with flexible staking options.
Interest Rates on Bitcoin:
Crypto.com offers up to 8.5% APY on Bitcoin, making it one of the most attractive options for BTC holders. Additionally:
- Up to 6% APY on CRO
- Up to 14% APY on USDC
These rates vary based on staking duration and account tier (e.g., Flex or Locked Staking).
Security & Compliance:
Crypto.com meets top-tier security standards, including:
- ISO/IEC 27001:2013
- ISO/IEC 27701:2019
- PCI:DSS Level 1
- CCSS (Cryptocurrency Security Standard)
Notably, the platform does not serve users from the United States.
Deposit & Withdrawal Methods:
- Free deposits via SEPA bank transfer
- Credit/debit card deposits at 2.99% fee (can be waived during promotions)
- Withdrawals available via same methods
Crypto.com supports over 70 cryptocurrencies and offers mobile and desktop access.
2. BlockFi
Rating: 4.9/5
BlockFi is a well-established crypto lending and interest platform that allows users to earn yield on their holdings and borrow fiat against crypto collateral.
Interest Rates on Bitcoin:
BlockFi offers tiered interest rates:
- 6% APY for 0–1 BTC
- 2% APY for 1–20 BTC
- 0.5% APY for over 20 BTC
While higher balances earn lower rates, BlockFi remains competitive for smaller investors.
Other notable rates:
- 8.6% APY on USDC, GUSD, BUSD
- 9.3% APY on USDT
- 5.5% APY on LINK
Security Features:
- Custody by Gemini, a SOC 2 Type 2 compliant exchange
- 95% of assets stored in cold storage
- Fully insured by Aon
- Two-factor authentication (2FA) and withdrawal whitelisting
BlockFi is regulated by the New York State Department of Financial Services (NYDFS), adding a layer of institutional trust.
Deposit & Withdrawal:
- Free monthly withdrawal; nominal fees thereafter
- High withdrawal limits (e.g., 100 BTC per week)
- Supports bank transfers and wire deposits
3. Binance
Rating: 4.5/5
Binance is the world’s largest cryptocurrency exchange by trading volume, known for its extensive features and global reach.
Interest Rates on Bitcoin:
Binance offers up to 1.20% APY on Bitcoin through its flexible savings program. While this is lower than some competitors, Binance excels in variety:
- Up to 30% APY on select altcoins and stablecoins
- Supports up to 44 cryptocurrencies
Trading Integration:
Binance allows seamless movement between trading and savings accounts. Users can earn interest without leaving the exchange.
Security & Accessibility:
- Two-factor authentication
- Multi-layered system architecture
- Available in multiple languages
Note: Binance has faced regulatory scrutiny in several regions, so availability varies by country.
Deposit Methods:
- Bank transfer (SEPA)
- Credit/debit card payments
4. Gemini
Rating: 4/5
Founded in 2014 by the Winklevoss twins, Gemini is a U.S.-based, regulated exchange focused on security and compliance.
Interest Rates on Bitcoin:
Gemini offers up to 7.4% APY on Bitcoin, one of the highest among regulated platforms.
Why Choose Gemini?
- FDIC insurance for USD deposits
- Zero record of major security breaches
- Cold storage for majority of assets
- Strict KYC/AML policies
Gemini Earn allows users to lend their crypto to institutional borrowers while retaining full ownership.
Deposit & Withdrawal:
- Bank transfers (ACH and wire)
- Debit card deposits (fees apply)
Only available to U.S. residents.
5. Nexo
Rating: 4/5
Nexo combines high-yield savings with instant crypto-backed loans.
Interest Rates on Bitcoin:
Nexo offers up to 12% APY on Bitcoin, one of the highest in the industry.
Additional benefits:
- Interest paid daily
- No minimum balance requirements
- Flexible withdrawal terms
Security Measures:
- Biometric verification
- Multi-signature cold wallets
- Ledger Vault integration
- 24/7 account monitoring
Nexo emphasizes user control with features like instant withdrawal confirmations and login alerts.
Deposit Methods:
- SEPA bank transfers
- Credit/debit card deposits
6. Voyager
Rating: 3/5
Voyager provides a user-friendly mobile app for trading and earning interest.
Interest Rates on Bitcoin:
Offers up to 8.5% APY on Bitcoin, with rates varying by asset and balance.
Other rates:
- Up to 9% on stablecoins
- Minimum balance required to qualify
Key Features:
- Commission-free trading
- Over 50 supported assets
- Easy mobile interface
Security is solid but not as robust as top-tier platforms.
Deposit & Withdrawal:
Supports bank transfers and card payments.
Frequently Asked Questions (FAQ)
Q: Is it safe to earn interest on crypto?
A: Yes, if you use reputable platforms with strong security, insurance, and regulatory compliance. Always research custodial practices and avoid platforms with unclear fund usage.
Q: How is crypto interest paid out?
A: Most platforms pay interest daily or monthly, either in the same cryptocurrency or a stablecoin. Payouts are typically credited directly to your account.
Q: Are there risks involved in crypto lending?
A: Yes. Risks include platform insolvency, smart contract vulnerabilities, and market volatility. Diversify across platforms and avoid putting all funds in one place.
Q: Can I withdraw my crypto anytime?
A: Most flexible savings accounts allow instant withdrawals. However, locked or term deposits may have maturity periods.
Q: Do I need to pay taxes on crypto interest?
A: In most jurisdictions, yes. Crypto interest is typically treated as taxable income. Consult a tax professional for guidance.
Q: Which platform offers the best rate for Bitcoin?
A: Currently, Nexo leads with up to 12% APY, followed by Crypto.com (8.5%) and Gemini (7.4%).
Earning interest on crypto is no longer a niche concept—it's a mainstream strategy for maximizing digital asset value. Platforms like Crypto.com, BlockFi, Gemini, and Nexo offer secure, regulated environments where your Bitcoin can generate passive income while you hold long-term.
By comparing interest rates, security protocols, and accessibility, you can choose the best fit for your financial goals. As always, prioritize safety over high returns and only invest what you can afford to hold.
Whether you're a beginner or an experienced investor, putting your crypto to work is a smart move in today’s decentralized financial landscape.