5 Best Crypto Interest-Earning Platforms in the USA

The global interest rates are reducing and almost rounding off to zero which is why more people are turning to the crypto market in order to generate an additional income. It’s indeed a popular way to earn passive income via lending platforms and interest accounts.

In essence, crypto interest accounts help you earn interest on your bitcoin and other crypto and stable coins without actively trading them. The platform allows you to lend your cryptocurrencies to borrowers and earn interest on the cryptocurrency while you are at it. 

Here we have rounded up 5 crypto interest-earning platforms in the USA to watch out for in 2022!

Also Read: How to get instant loans and up to 12.3% interest on cryptocurrencies.

Crypto Interest-Earning Platforms in the USA


BlockFi is a financial company that provides financial services to both businesses and individuals such as bitcoin credit cards. BlockFi is regulated at the federal and state level in the USA. Users can register for an Interest account to deposit their crypto assets such as Ethereum and Bitcoin on the platform. 

Hodlers can earn up to 8.25% on the invested crypto. The interest rates are compounded monthly and the interest is paid monthly. For those looking to earn more crypto, Blockfi is a good option.

There is no minimum deposit amount so it’s easy to get started with a Blockfi interest account. BlockFi also offers other services such as low-cost USD loans secured with crypto, purchase of stablecoins using USD wire transfers, and an advanced cryptocurrency trading platform.

Blockfi Interest Rates
BlockFi Interest Rates

Also Read: BlockFi vs Gemini


Hodlnaut is a Singapore-based crypto interest offering platform that offers financial services to individual investors who wish to grow their crypto investments. With more than 10k users and an AUM of US$500 million, Hodlnaut distinguishes itself from the other platforms by providing one of the highest interest rates of UPTO 12.73% APY. The company is able to provide much higher rates by lending its assets to established and vetted financial institutions that then pay an interest rate. Users can earn up to 7.46% APY on Bitcoin with Hodlnaut. There are no fees for making a deposit. However, users have to pay a small fee for withdrawals.

Hodlers can also diversify their crypto portfolio by earning interest on the crypto of their choice with Hodlnaut’s preferred interest payout feature. For instance, if you deposit BTC with Hodlnaut, you can earn interest in-kind or in other supported assets namely, ETH, DAI, USDC, USDT, and WBTC. Likewise, Hodlnaut’s token swap is yet another striking feature that enables users to swap tokens right within the platform. There are no fees involved in the token swap feature. Thus, users can track their crypto portfolio and earn a high rate of interest at the same time with Hodlnaut.

Hodlnaut Interest Rate
Hodlnaut interest rate

Also Read: YouHodler vs CoinLoan vs Hodlnaut


Crypto.com offers digital currency products and services including crypto interest account. it is available in 49 states in the USA. The platform was launched with the idea of increasing the adoption of crypto and making it easy to access by individuals. The platform has over 1 million users on its platform and is a good alternative to traditional financial services. The company has an application that allows you to buy, sell, store, spend, earn, and even loan cash with crypto. Users can earn UPTO 8.5% on cryptocurrency and up to 14.5% on stablecoins with Crypto.com. Thus, users can simply deposit their preferred digital assets to the app and start earning interest on them.

The interest earned is credited to the user’s wallet every 7 days and paid in the same currency as the deposit. For instance, if you deposit in ETH, your interest will be paid in ETH. Crypto.com also has a native token which the users can stake in order to earn higher interest rates.

Read our Crypto.com review to know more.


Also Read: Top 5 Crypto.com Alternatives To Earn Interest

Celsius Network

Celsius Network is a platform offering financial services and benefits that are very different from traditional institutions. The platform aims to disrupt financial banks globally by offering services that introduce a digital currency to users. Celsius Network was founded in 2017 and allows users to store their assets on the Celsius wallet to earn up to 13.99% APY for USA residents.

Similar to other platforms on this list, Celsius Network provides high-interest commissions when users deposit their crypto assets with the platform. There is no minimum deposit amount and funds can be withdrawn at any time without any fees or penalties. The platform supports major crypto assets such as Bitcoin, Ethereum, Litecoin, and most stablecoins.

Celsius Network
Celsius Network

Also Read: Top 5 Celsius Alternatives


Another platform on our list of top 5 crypto interest-earning platforms in the USA is Binance. It is one of the best crypto trading exchanges globally that offers a variety of products for crypto investors and traders alike. The features offered by Binance bridges the gap between traditional fiat money and crypto. The platform is renowned for its trading products but has recently launched a way to earn interest on cryptocurrencies with the introduction of “Binance Savings”.

A crypto savings account helps you grow your wealth by earning interest on your crypto which is stored in a cold storage wallet on the platform. The assets deposited by you are lent to margin traders on the platform who pay interest in return for borrowing your funds. The Binance savings account supports a wide range of lending options from popular coins like BTC to Binance USD (BUSD) and others.

Users can either choose from a Fixed Deposit or a Flexible Deposit that provides different interest rates. The flexible deposit enables you to withdraw funds at any time at a variable rate. Traders who want to earn interest on their crypto holdings can deposit with Binance.

Read our Binance Review to know more.

Binance Interest Rates
Binance Interest Rates

Also Read: 6 Best Bitcoin Savings Account


Cryptocurrency investors can grow their wealth by taking advantage of crypto lending platforms to earn passive income through the interest earned on crypto and stable holdings. If you have been holding on to your digital assets and wish to put them to work then a crypto interest-earning platform is a great way of utilizing your coins.

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Sanskriti Gupta
Sanskriti Gupta


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