Cryptocurrencies are becoming an attractive investible asset in the financial market. The crypto market is now worth about $963 billion, which is mostly contributed by Bitcoin (BTC) especially. BTC and other cryptos have seen lots of demand and investment from big-name companies, institutions, and retail investors over the past years.

On a general note, many people are only familiar with storing their cryptocurrencies on exchanges and hardware wallets. They expect to cash out profitably as the price of the cryptocurrency increases. However, there are more options available for crypto users to earn passive income on their holding, one of which is by using crypto interest-earning platforms. In this post, we will explain cryptocurrency interest-earning and the platforms that support it.

What is crypto interest-earning?

Crypto interest-earning is simply a service that allows crypto investors to earn passive interest by either lending their cryptocurrencies or saving them on a crypto storage facility. Just like fiat, you receive returns for saving or lending your crypto holding to platforms that support such services. These returns are usually paid out in the initial crypto saved or lent.  


So, we have compiled the list of ten worthwhile crypto interest-earning platforms to consider in 2021 – based on the information at press time – if you are interested in earning passive incomes from your coins.

This list does not constitute investment advice. Always conduct your own research and never invest funds you can’t afford to lose.

1. BlockFi

BlockFi has a reputation for being one of the top platforms when it comes to crypto interest-earning. It is a digital asset company that serves a global audience and has been around for several years. BlockFi is also available to cryptocurrency users in the United States.

With this platform, there is no minimum or maximum amount you need to get started. All you have to do is open an account, buy crypto, and save it. BlockFi pays an average of 6.8 percent interest per annum on different cryptos.


If you run a search for the top ‘crypto interest-earning platforms’ you would probably see listed as the top-five. This is because this company offers attractive annual interest rates, which includes eight percent for normal cryptocurrencies, and 12 percent on stablecoins.

Apart from these attractive rates, provides users the option to get paid their interest weekly, meaning you get to earn on a weekly basis. Sounds good, right?

3. Nexo

Nexo is one other secure platform to get steady returns on your crypto. In addition to being a verified crypto lending platform, assets in the company are insured with up to $100 million. 

This means your cryptocurrencies are – normally – safe with Nexo, as they pledged on their website. It has been around since 2017 and is available in over 40 countries. Nexo pays interest daily, so you can withdraw the interest accumulated every single day. 

4. Binance

Binance is a leading crypto exchange that is very popular in the crypto community. Apart from having a high-liquidity exchange, Binance also has a savings platform called Binance Savings.

This savings program gives users the opportunity to earn in different cryptocurrencies. These include Bitcoin, Ethereum, EOS, GXS, USDT, and COCOS. Users earn interest simply by depositing their cryptos into the savings account. These cryptos are then lent to traders who use them to buy or sell on the crypto market.

You have the option of leaving any of the listed cryptos in a flexible or fixed vault. While the flexible vault allows you to withdraw your cryptocurrency at any time, the crypto in the fixed vault can only be removed at a certain time.

5. Celsius

Celsius is another reputable crypto lending platform that allows crypto investors the opportunity to earn great returns on their crypto investments. In 2019, the crypto company gave out $4.25 billion in loans, meaning that it has a high capital base.

Cryptocurrencies supported on Celsius include Ethereum, Bitcoin, Ripple, Paxos Standard, and USD Coin. All these coins have an interest rate of three percent per annum.  As a plus, its website is easy to navigate, making it a good choice for beginners. 

6.  Compound Finance

If you do not want to open a lending account, Compound Finance can be a viable platform for you. Compound Finance is an Ethereum-based platform, which means that you only need to be an Ethereum user to access it, or through Ethereum-compatible tokens.

Metamask wallet is a solid wallet to connect to Compound Finance to start earning interest. Cryptocurrencies transferred to this platform for savings are added to a pool of funds. Bitcoin, Ether, USDC, and Bitcoin Cash can all be used to earn on this platform, although interest rates fluctuate.

7. CoinList

CoinList is another crypto interest-earning platform that gives users a moderate return for crypto saved with them. It typically pays a five percent interest on Bitcoin, Ripple, and ZRX to users. 

Although CoinList is not very popular compared to the other platforms, it is still a nice platform to make extra money on your crypto.

8. Abru

Some crypto lending platforms are more trusted than others, as this is the case with Abru. This platform has been recommended by top brands, such as Forbes and CNBC.

The company pays a ten percent interest per annum for cryptocurrencies deposited with them. Interestingly, they support a minimum amount of $5 for a start, and there is no maximum. Abru supports saving options for popular coins like Litecoin, Stellar’s XLM, Bitcoin Cash, Ethereum, and Paxos Standard.


This Singapore-based crypto interest-earning platform makes crypto lending easy and simple. It is one of the easiest platforms to earn with. Although it has no app version, it is easy to understand, making it an ideal choice for beginners.

There is no minimum amount you need to start with this platform, and interest is paid into your wallet every Monday. The site also comes with an interest calculator, where you can easily work out how much interest you would get per week or month.

10. YouHodler

YouHodler offers competitive interest rates on cryptos compared to other platforms. Youhodler pays 12 percent per annum on stablecoins such as USDC, PAX, DAI, and Euro stablecoin.

They also pay interest for other cryptos like LINK, BNB, COMP, UNI, DASH, MKR, and Huobi Token. Although the interest rates on these coins vary, it’s still better than those on some lending platforms. 

To start earning with Youhodler, you need to make a minimum deposit of $100. Interest is paid out every week, and funds are insured by Ledger Vault.


There are numerous crypto interest-earning platforms on the internet, and just like with every other market, there are fake platforms too. It’s advisable to make proper research before depositing your coins on any platform. Also, beware of Ponzi schemes that promise you super returns on your crypto. Happy earning!