CIR animation

We compare platforms & may earn a commission. Learn more.

All Crypto Lending Companies & Platforms

View and filter the top crypto lending platforms

Sort by:
LendProtocol

LendProtocol

Founded:2026
Availability:Worldwide, excluding US
HQ:London, United Kingdom

Interest Rates

Stablecoins12%
XRP12%

Summary

LendProtocol is a centralized crypto lending platform built around the XRP Ledger ecosystem. It offers fixed-rate earn accounts for XRP and RLUSD, alo...

Billz

Billz

Founded:2025
Availability:Europe, United States and Canada
HQ:Paris, France

Interest Rates

Stablecoins3%
SOL3%

Summary

Billz helps users pay real-world bills without selling their crypto.Users can deposit supported crypto or stablecoins as collateral to:Access liquidit...

Clapp Finance

Clapp Finance

Founded:2025
Availability:Worldwide
HQ:Czech Republic

Interest Rates

BTC5%
ETH6%
Stablecoins8.2%UP

Summary

Clapp Finance is a newer Europe-focused crypto fintech platform combining crypto savings accounts, euro banking features, trading, and crypto-backed c...

Zengo

Zengo

Founded:2018
Availability:Worldwide
HQ:Israel

Interest Rates

ETH3%DOWN

Summary

Zengo is a non-custodial wallet app that supports crypto staking and more than 1000+ assets.Zengo EarnZengo Earn is a simple and secure way for Zengo ...

YouHodler

YouHodler

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

Interest Rates

BTC8%
ETH12%
Stablecoins20%
SOL12%
LTC16%
DOGE12%
XRP12%

Summary

YouHodler offers a crypto yield (earn) program for 30+ coins, including Bitcoin (BTC), Ripple (XRP), Binance Coin (BNB), Cardano (ADA) and a variety o...

Wirex

Wirex

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

Interest Rates

Stablecoins6%

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-Accou...

Tuyo

Tuyo

Founded:2024
Availability:Worldwide, excluding the UK
HQ:Wilmington, DE

Interest Rates

BTC1.6%
Stablecoins3.79%DOWN

Summary

Tuyo is a self-custodial finance app that makes it easy to hold, earn, and spend stablecoins. Users keep control of their assets at all times, while a...

Trustyfy

Trustyfy

Founded:2023
Availability:Worldwide
HQ:Lithuania

Summary

Trustyfy is a neobank like platform designed to bridge the gap between decentralized digital assets and traditional financial services. It provides us...

The Kingdom Bank

The Kingdom Bank

Founded:2015
Availability:Worldwide
HQ:Dominica

Interest Rates

Stablecoins5.75%

Summary

The Kingdom Bank offers a fixed-term crypto savings account that lets you deposit USDT (Tether) on the Tron blockchain and earn over time. This is a c...

Stoic AI

Stoic AI

Founded:2015
Availability:Worldwide
HQ:Gibraltar

Summary

Stoic AI is an automated trading bot designed to make professional hedge-fund style strategies accessible to everyday crypto investors. Instead of man...

Solid

Solid

Founded:2025
Availability:Worldwide
HQ:

Interest Rates

Stablecoins6.64%UP

Summary

Solid is a Stablecoin Super-App designed to simplify DeFi yield generation. Users deposit USDC, which is automatically converted into soUSD, a yield-b...

Robinhood

Robinhood

Founded:2013
Availability:US and select EU countries
HQ:Menlo Park, CA, USA

Interest Rates

ETH3.15%
Stablecoins7%
SOL4.55%

Summary

Robinhood began as a commission-free trading app and has evolved into a major player in fintech. Crypto now represents a significant portion of the pl...

River

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 USD. It only serves customers in the US.Earn Bitcoin on USDUniquely, ...

PrimeXBT

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 to tr...

Phemex

Phemex

Founded:2019
Availability:Worldwide, excluding US
HQ:Singapore

Interest Rates

BTC1%UP
ETH1.5%UP
Stablecoins2%UP
SOL0.8%UP

Summary

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

PayPal

PayPal

Founded:1998
Availability:Worldwide
HQ:San Jose, CA

Interest Rates

Stablecoins4%UP

Summary

PayPal is one of the first major U.S. fintech companies to launch its own regulated stablecoin, PYUSD, issued by Paxos and fully backed by U.S. dollar...

Nook

Nook

Founded:2025
Availability:Worldwide
HQ:Austin, TX

Summary

Nook is an app designed to make earning on stablecoins simple, safe, and transparent. Built for U.S. users, Nook abstracts the complexity of DeFi by o...

Nexo

Nexo

Founded:2017
Availability:Worldwide
HQ:Switzerland

Interest Rates

BTC6.5%
ETH7.5%
Stablecoins14%
SOL8%
LTC7.75%
DOGE1%
XRP12%

Summary

Nexo is one of the most popular crypto earn platforms, calling itself a digital assets wealth platform. A minimum of $5,000 USD worth of assets is req...

Nebeus

Nebeus

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

Interest Rates

BTC4.5%
ETH4.5%
Stablecoins12%
SOL1%
LTC4.5%
DOGE1%
XRP4.5%

Summary

Nebeus is a multi-currency financial platform, merging money with crypto. Nebeus supports 25+ coins.Nebeus Crypto RentingRent (lend) your crypto to Ne...

Lune

Lune

Founded:2021
Availability:Worldwide
HQ:Grenadines

Interest Rates

BTC21.5%
ETH21.5%
Stablecoins29.5%

Summary

Lune.fi positions itself as a crypto exchange and liquidity aggregator with a focus on delivering competitive trading rates and high-yield income oppo...

Liquid

Liquid

Founded:2025
Availability:Worldwide excluding US and Ontario
HQ:Delaware, US

Summary

Liquid is a non-custodial trading and yield platform launched in 2025. While best known for its high-leverage trading, it also offers a Vault product ...

Ledn

Ledn

Founded:2018
Availability:Worldwide, Growth accounts unavailable in certain countries and states
HQ:Ontario

Summary

Ledn is a digital-asset lending and savings platform. It allows users to use Bitcoin as collateral to borrow USD or stablecoins, or to earn yields via...

Lantern Finance

Lantern Finance

Founded:2023
Availability:Worldwide
HQ:Las Vegas, NV

Summary

Lantern Finance offers cryptocurrency-backed loan products that allow users to obtain loans secured by their digital assets. Lantern Finance offers co...

Kraken

Kraken

Founded:2011
Availability:Worldwide
HQ:San Francisco, CA

Interest Rates

BTC0.02%DOWN
ETH1.86%DOWN
Stablecoins4.08%DOWN
SOL2.93%DOWN
XRP1%

Summary

Kraken is a leading digital asset exchange platform that was founded in 2011 and is headquartered in San Francisco, California.The platform allows use...

Krak

Krak

Founded:2025
Availability:Worldwide
HQ:San Francisco, CA

Interest Rates

BTC0.1%UP
ETH1%DOWN
Stablecoins2%
SOL2.86%DOWN

Summary

Krak is a new simple crypto-powered mobile payment app by the popular Kraken crypto exchange. It is designed to be a crypto-friendly alternative to Ve...

KAST

KAST

Founded:2023
Availability:Available in supported countries; card and features vary by region
HQ:Hong Kong

Interest Rates

Stablecoins3.3%

Summary

KAST is a stablecoin-powered financial platform designed to serve as a next-generation alternative to traditional banking. Built by a team with experi...

Ju.com

Ju.com

Founded:2013
Availability:Worldwide
HQ:Dubai, UAE

Interest Rates

Stablecoins2.01%

Summary

Ju.com is the rebranded name of JuCoin, a crypto exchange originally established in 2013. It operates globally (100+ countries), with over 50 million ...

iTrustCapital

iTrustCapital

Founded:2018
Availability:USA
HQ:Irvine, CA

Interest Rates

ETH2.25%
Stablecoins2%UP
SOL5.37%UP

Summary

iTrustCapital is a U.S.-based platform that allows individuals to buy, sell, and hold cryptocurrencies and precious metals within self-directed retire...

Gemini

Gemini

Founded:2014
Availability:All 50 US states and 60+ countries
HQ:New York, NY

Interest Rates

ETH3%
SOL6%

Summary

Gemini is a long-running centralized crypto exchange located in the United States. It offers staking and earn programs.Gemini StakingGemini Staking is...

Firefish

Firefish

Founded:2022
Availability:Worldwide
HQ:Slovakia

Summary

Firefish is a Bitcoin-backed lending marketplace that connects borrowers and lenders directly, using Bitcoin as collateral and stablecoins as the loan...

Figure Markets

Figure Markets

Founded:2018
Availability:Worldwide
HQ:San Francisco, CA

Interest Rates

ETH1%
Stablecoins3.85%UP
SOL3.63%

Summary

Figure Markets is a U.S.-based crypto platform focused on earning yield through real-world assets (RWAs) rather than traditional DeFi strategies. The ...

EXMO

EXMO

Founded:2014
Availability:Worldwide
HQ:London, UK

Interest Rates

BTC3%
ETH3%

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...

ether.fi

ether.fi

Founded:2022
Availability:Worldwide
HQ:Cayman Islands

Interest Rates

BTC0.33%
ETH2.43%DOWN

Summary

ether.fi is a non-custodial crypto platform focused on Ethereum staking, automated yield strategies, and crypto-backed spending. It originally launche...

Ember Fund

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...

EarnPark

EarnPark

Founded:2022
Availability:Worldwide (services limited in the US)
HQ:UK

Interest Rates

BTC10%
ETH15%
Stablecoins20%
SOL20%
DOGE5%
XRP5%

Summary

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

Cryptomus

Cryptomus

Founded:2022
Availability:Worldwide
HQ:Canada

Interest Rates

ETH3%
Stablecoins3%

Summary

Cryptomus is a globally accessible cryptocurrency platform launched in December 2024. Based in Vancouver, it offers a unified ecosystem that includes ...

Crypto.com

Crypto.com

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

Interest Rates

BTC0.2%DOWN
ETH0.2%DOWN
Stablecoins0.5%DOWN
SOL0.25%DOWN

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...

CoinRabbit

CoinRabbit

Founded:2020
Availability:Worldwide
HQ:Seychelles

Interest Rates

BTC0.3%
ETH1.2%
Stablecoins5%

Summary

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

Coinmetro

Coinmetro

Founded:2017
Availability:Worldwide
HQ:Tallinn, Estonia

Interest Rates

BTC1.8%
ETH2.4%
XRP2%

Summary

Coinmetro is a regulated, user-friendly centralized cryptocurrency exchange founded in 2017. The platform focuses on making crypto accessible through ...

CoinJar

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...

CoinDepo

CoinDepo

Founded:2021
Availability:Worldwide
HQ:Grenadines

Interest Rates

BTC12.75%UP
ETH12.75%UP
Stablecoins18.5%UP
SOL12.75%UP
LTC12%
DOGE12.75%UP
XRP12.75%UP

Summary

CoinDepo offers high-yield compound interest accounts for crypto holders looking to earn yield on their digital assets. The platform supports both sta...

Coinbase

Coinbase

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

Interest Rates

ETH1.76%DOWN
Stablecoins0%
SOL3.7%DOWN

Summary

Coinbase is one of the most popular centralized crypto exchanges.In Feb. 2026, Coinbase added the option to earn USDC rewards in BTC (with required Co...

BYDFi

BYDFi

Founded:2020
Availability:Worldwide
HQ:Singapore

Summary

BYDFi is a global cryptocurrency exchange offering spot trading, perpetual futures, and simplified crypto products aimed at both beginner and advanced...

Bitvavo

Bitvavo

Founded:2018
Availability:EU only
HQ:Netherlands

Interest Rates

BTC0.02%DOWN
ETH2%DOWN
SOL3.6%DOWN

Summary

Bitvavo is a cryptocurrency exchange founded in 2018, serving over 1.5 million users across the European Union. The platform offers a user-friendly in...

Bitunix

Bitunix

Founded:2021
Availability:Worldwide, excluding US
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...

Bitfinex

Bitfinex

Founded:2012
Availability:Worldwide, excluding US
HQ:British Virgin Islands

Interest Rates

BTC1.98%
ETH1.45%
SOL9.3%

Summary

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

Bitcoin IRA

Bitcoin IRA

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

Interest Rates

BTC2%
ETH2%
SOL2%UP

Summary

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

Binance US

Binance US

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

Interest Rates

ETH2.3%DOWN
SOL4.5%UP

Summary

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

Backpack

Backpack

Founded:2022
Availability:Worldwide (lending unavailable in US, a few states restricted)
HQ:Tokyo, Japan

Interest Rates

BTC0.03%
ETH0.24%UP
SOL4.76%DOWN

Summary

Backpack Exchange, is a fully regulated cryptocurrency exchange built by the team behind the Solana-native Backpack Wallet and the Mad Lads NFT collec...

Axal

Axal

Founded:2023
Availability:Worldwide
HQ:New York, NY

Interest Rates

Stablecoins6%

Summary

Axal is a crypto yield platform aimed at simplifying the process of earning returns on stablecoins. Users deposit stablecoins, and Axal’s system autom...

Avici

Avici

Founded:2024
Availability:Worldwide
HQ:Delaware, USA

Summary

Avici is an on-chain self-custody crypto app with a Visa-based card. Learn more about the Avici Card.Apple and Google Pay are supported, as well as vi...

AscendEX

AscendEX

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

Interest Rates

Stablecoins2.02%UP
SOL5.13%
LTC1%
XRP2.02%

Summary

AscendEX is a global cryptocurrency exchange and financial platform that gives users a powerful way to earn, trade, and grow their crypto portfolios.A...

Arch Lending

Arch Lending

Founded:2022
Availability:US
HQ:New York, NY

Summary

Arch Lending is a crypto-backed lending platform founded in 2022 and headquartered in New York, NY. It allows users to borrow USD or USDC using digita...

APX Lending

APX Lending

Founded:2022
Availability:US and Canada
HQ:Toronto, Canada

Summary

APX Lending is a North America–focused crypto-backed lending platform that enables borrowers to unlock liquidity from their digital assets without sel...

Aave App

Aave App

Founded:2017
Availability:Worldwide
HQ:London, UK

Interest Rates

Stablecoins3.42%

Summary

The Aave App is a simple savings interface built on the Aave protocol, letting users deposit stablecoins and earn variable, real-time interest.Simple,...