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20 verified lending platforms

Bitcoin Lending Rates

Compare the best BTC lending rates from top platforms. Earn competitive APY on your Bitcoin with flexible or fixed-term lending options.

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#1
Lune

Lune

Exchange
21.50%BTC APY
Lockup:1-360 days
Fees:Gas/on-chain transaction fees
Coins:
#2
CoinDepo

CoinDepo

Lending
12.75%BTC APY
Lockup:None
Fees:None
Coins:
#3
EarnPark

EarnPark

Staking
10.00%BTC APY
Lockup:None
Fees:Yes (network fees)
Coins:
YouHodler

YouHodler

Lending
8.00%BTC APY
Lockup:None
Fees:Yes
Coins:
Nexo

Nexo

Exchange
6.50%BTC APY
Lockup:None or 1 month
Fees:Limited free withdrawals per month
Coins:
Clapp Finance

Clapp Finance

Exchange
5.00%BTC APY
Lockup:None to 12 months
Fees:Yes (network fees)
Coins:
Nebeus

Nebeus

Staking
4.50%BTC APY
Lockup:1-4 months
Fees:None
Coins:
EXMO

EXMO

Exchange
3.00%BTC APY
Lockup:Flexible
Fees:None
Coins:
Bitcoin IRA

Bitcoin IRA

Staking
2.00%BTC APY
Lockup:None
Fees:Yes
Coins:
Bitfinex

Bitfinex

Exchange
1.98%BTC APY
Lockup:Flexible
Fees:Yes
Coins:
Coinmetro

Coinmetro

Exchange
1.80%BTC APY
Lockup:3, 6, 12, or 24 months
Fees:Yes
Coins:
Tuyo

Tuyo

Lending
1.60%BTC APY
Lockup:Flexible
Fees:Up to ~1% FX spread, 0.25% trading fee, and 10% performance fee on Earn returns
Coins:
Phemex

Phemex

Exchange
1.00%BTC APY
Lockup:Flexible
Fees:None
Coins:
ether.fi

ether.fi

Lending
0.33%BTC APY
Lockup:Varies
Fees:None
Coins:
CoinRabbit

CoinRabbit

Loans
0.30%BTC APY
Lockup:None
Fees:No
Coins:
Crypto.com

Crypto.com

Staking
0.20%BTC APY
Lockup:None (flexible), 1 month, 3 months
Fees:Yes
Coins:
Krak

Krak

Staking
0.10%BTC APY
Lockup:None
Fees:None
Coins:
Backpack

Backpack

Exchange
0.03%BTC APY
Lockup:Unbonding period applies
Fees:None
Coins:
Kraken

Kraken

Exchange
0.02%BTC APY
Lockup:Flexible
Fees:Yes
Coins:
Bitvavo

Bitvavo

Exchange
0.02%BTC APY
Lockup:None
Fees:Varies
Coins:

How Bitcoin Lending Works

  1. Deposit BTC. Transfer your Bitcoin to a lending platform or protocol.
  2. Earn interest. Borrowers pay to access the supplied assets, and you receive variable APY.
  3. Withdraw according to the terms. Flexible products may allow withdrawals at any time; fixed products require you to wait until the term ends.

Checklist: How to Choose a BTC Lending Platform

  • Compare BTC Lending RatesLook for the highest APY on Bitcoin lending. Rates vary between platforms and how yield is earned.
  • Check Security & AuditsOnly use platforms with proven track records. Look for insurance coverage on your BTC deposits.
  • Understand Lockup TermsFlexible lending allows instant withdrawals. Fixed-term lending locks your BTC for higher APY but less liquidity.

Frequently Asked Questions About Bitcoin Lending

What is Bitcoin lending?

Bitcoin lending means depositing your BTC with a platform or protocol that makes it available to borrowers. In return, you earn interest (APY) on the deposited Bitcoin.

What are the best BTC lending rates in 2026?

The best BTC lending rates vary by platform and market conditions. Compare the current offers above along with withdrawal terms, custody model, and any requirements instead of selecting a platform on APY alone.

Is Bitcoin lending safe?

Bitcoin lending carries risks including smart-contract vulnerabilities, platform insolvency, and market volatility. Compare trusted platforms, diversify when appropriate, start with small amounts, and never lend more BTC than you can afford to lose.

How do I start lending BTC?

Choose a platform from the comparison above, review its eligibility and custody terms, create and verify an account if required, transfer a small test amount of BTC, then select flexible or fixed lending terms before depositing the rest.

Disclaimer: Bitcoin lending rates are variable and subject to change. APY is not guaranteed. Always do your own research (DYOR) and never lend more than you can afford to lose. Cryptocurrency lending carries significant risks.