9 Best Crypto Interest Accounts to Grow Your Digital Assets

Investors can passively earn some interest through crypto interest accounts; this will be the main focus of this article. These accounts offer a competitive APY on the following assets: Bitcoin, Ethereum, stablecoins, and many other cryptocurrencies, with varying flexibility in deposits and withdrawals.

Security, fees, assets supported, and customer service will determine the best interest account. This list aims to help crypto investors maximize profit and minimize risk.

These accounts, and their interest yields, are the best accounts of their kind in 2025 for those seeking unregulated services, and for those seeking services with no country restrictions.

9 Best Crypto Interest Accounts to Grow Your Digital Assets

Nexo – High yields up to 17% with daily payouts and insured funds.

YouHodler – Earn up to 15% APY with secure custody and loyalty tiers.

Binance Earn – Flexible and fixed savings with yields up to 20% on 200+ coins.

Gemini – Regulated U.S. exchange with up to 8.05% APY and strong security.

Ledn – Transparent, conservative platform offering up to 8.5% on stablecoins.

CoinLoan – Up to 9.2% APY with daily accrual and simple mobile access.

Hodlnaut – High interest up to 7.2%, but risk due to past financial issues.

Coinbase – A trusted platform offering a ~2% USDC yield and staking options.

Crypto.com – Up to 14.5% APY, higher with CRO staking, strong app ecosystem.

Key Points

Platform	Max APY	Key Strengths
Nexo	Up to 17%	Insurance, daily payouts, tier boosts
YouHodler	Up to 15%	Security, asset variety, loyalty tiers
Binance Earn	Up to 20%	Vast selection, flexible/fixed, protection
Gemini Earn	Up to 8.05%	Regulated, secure, accessible
Ledn	Up to 8.5%	Stablecoin yield, conservative, transparent
CoinLoan	Up to 9.2%	Daily accrual, mobile UI, varied coins
Hodlnaut	Up to 7.2.%	High yield but risk-heavy due to past crisis
Coinbase	~4% on USDC	Simplicity, trusted custody, staking options
Crypto.com Earn	Up to 2.%	Flexible yields, strong app, CRO perks

1. Nexo

Nexo is a name in the field and is reputed for offering crypto lending services. Founded in 2018, Nexo has registered stable growth and positive customer feedback over the APY, which has reached 17% on stablecoins, Bitcoin, and altcoins. Users can opt for flexible or fixed deposits, with no fees on deposits.

Withdrawals, however, may be subject to a blockchain network fee, with some transactions free depending on the users’ loyalty tier. Support is accessible is in the form of live chat, email, and a 24/7 self-help GUI, with 24/7 support for premium members.

Nexo has earned the trust of users by insuring more than $775M of their assets and offering daily interest payouts. Those seeking high yields in long-term crypto investments find it especially attractive because the NEXO token significantly enhances the services, offering fee-free rewards along with boosted payouts.

Nexo Highlights

• Founded Year: 2018
• Interest Rates: Up to 17% APY
• Fees: Free HR and capped free WH (then network fees)
• Supported Crypto: 40+ assets (BTC, ETH, stablecoins, and many altcoins)
• Customer Support: 24 HR live chat and support email

2. YouHodler

YouHodler began its operations in 2019 and offers the ability to earn up to 15% APY on stablecoins and 7-12% on cryptocurrency with no fees for deposits, but charges a small network fee on withdrawals based on blockchain fees.

YouHodler also provides loans and the ability to convert crypto to other cryptocurrencies. During the course of the service, YouHodler added a deployment option for Ledger Vault and strengthened its asset insurance, increasing customer confidence in the platform.

Standard service provides weekly interest payments, and customers can connect with representatives through email and live chat for timely assistance on both financial and technical issues. YouHodler has no hidden fees or strict minimum deposits and is an excellent option for its high rewards and flexibility.

YouHodler Highlights

• Founded Year: 2019
• Interest Rates: Up to 15% APY (highest rates for stablecoins)
• Fees: Free HR and network WH fees
• Supported Crypto: BTC, ETH, stablecoins, and other major altcoins
• Customer Support: LR chat and support email

3. Binance Earn

Binance created the Binance Earn in 2017 as a method of not only trading but also savings products, offering 20% APY on certain assets depending on a selected lock-up period. Users may earn flexible or fixed savings on over 200 cryptocurrencies. Withdrawals only incur network fees; deposits are free.

They also provide auto-invest options, allowing users to invest funds for dollar cost averaging over time automatically. Customer support features a Help Center with multiple languages, as well as 24/7 live support and a ticketing system.

Funds are also protected with the SAFU insurance fund, for additional peace of mind. Because Binance Earn has one of the most extensive selections of coins available, paired with great market rates, it can help investors of any level earn passive income.

Binance Earn Highlights

• Founded Year: 2017
• Interest Rates: Up to 20% APY (interest and maturity period rates vary)
• Fees: HR free and WH fees to blockchain
• Supported Crypto: 200+ assets
• Customer Support: 24 HR ML chat

4. Gemini

Founded by the Winklevoss twins in 2014, Gemini is a regulated exchange based in the U.S., which has Gemini Earn that offers interest rates of up to 8.05% on certain assets. Unlike many other exchanges, Gemini offers free deposits and withdrawals, except network blockchain fees. Additionally, USD held in Gemini is stored in accordance with strict regulations within the United States.

Growth period mid-way through the period, Gemini began to shift the focus of the exchange towards security by purchasing insurance and compliance with NYSDFS regulations, which increased interest from institutions and private investors. Monthly returns are paid in consistent amounts due to daily interest, which is compounded within 30 days.

Customer service includes a ticketing system, a responsive help center, and other self-service options. Gemini is ideal for users who prioritize compliance with regulations and transparency, albeit at the expense of lower interest rates compared to its rivals.

Gemini Earn Highlights

• Founded Year: 2014
• Interest Rates: Up to 8.05% APY
• Fees: Deposit free and network WH fees
• Customer Support: Ticket system and limited support to the U.S.

5. Ledn

Founded in 2018 in North America, Ledn specializes in interest-earning accounts for Bitcoin and stablecoins, paying out up to 8.5% on USDC and lower interest on BTC. There are feeless deposits and minimal on-chain withdrawal fees. In contrast to platforms chasing high-yield DeFi risks, as the company has grown, Ledn has further refined its defensive posture.

Midway into its growth, Ledn distinguished itself as the first to focus on long-term holders of Bitcoin interested in low-risk and secure yield options. Interest remains the currency of the deposit and is paid monthly.

Response times are reasonable for email and ticketing systems, and Ledn has a good reputation for support. Ledn is greatly appreciated and regarded as one of the safest and most reliable providers of crypto savings today for users who want certainty.

Ledn Highlights

• Founded Year: 2018
• Deposits: Free of charge; withdrawal costs are the same as the blockchain
• Supported Crypto: BTC and USDC
• Customer Support: Through email and ticket system

6. CoinLoan

CoinLoan, established in Estonia in 2017, offers interest accounts with annual percentage yields (APYs) ranging from 9.2% p.a on Bitcoin and up to 12.3% on stablecoins and other altcoins. Deposits are free, and only blockchain network fees are charged for withdrawals. The company operates under EU regulations, which enhances its credibility.

Halfway through its entrepreneurial journey, CoinLoan implemented lending and borrowing functionality while preserving daily interest payment on deposits. Withdrawals are executed every month, and users can conveniently manage their accounts through a mobile application.

Customer service representatives are accessible via email and chat. CoinLoan caters to investors interested in a European monitored platform, value for money, and proper transparency and compliance.

Coinloan Highlights

• Founded Year: 2017
• Interest Rates: Up to 9.2% APY.
• Fees: Network withdrawal fees, free deposits.
• BTC, ETH, stablecoins, and Altcoins: Supported Crypto
• Customer Support: Email and live chat.

7. Hodlnaut

Hodlnaut was founded in 2019 in Singapore and at one point in time paid an annual percentage yield of up to 7.2% on certain stablecoins and cryptocurrencies with weekly payment intervals. While deposits into Hodlnaut were free, the only cost incurred was the blockchain fee charged on withdrawals.

Hodlnaut gained notoriety in late 2021 for its high APY offers; however, it never sustained this attractiveness. Ultimately, it was most affected by the downfall of the UST in 2022, which led to legal challenges and the freezing of user withdrawal funds.

Customer support was once able to access chat, record email replies, and assist; however, this isn’t the case nowadays, as support is practically nonexistent.

Hodlnaut is a prime example of an APY investment that turned sour once the volatility of finances was evaluated, warning investors of how even the most benign investment can turn problematic. Presently, Hodlnaut is overwhelmingly being advised as a platform to stay away from.

Hodlnaut Highlights

• Founded Year: 2019
• Interest Rates: Until the service collapsed, it was once 7.2% APY.
• Fees: Withdrawal fees apply while deposits are free.
• BTC, ETH, stablecoins: Supported Crypto (shut down service).
• Customer Support: Post 2022, the platform collapsed and support became inactive.

8. Coinbase

Since 2012, Coinbase has been operational and is one of the largest exchanges based in the US. During this period, the company has managed to offer a variety of products. These include Staking rewards on ETH, ADA, and SOL, as well as USDC savings (approximately 14% APY).

Deposits and withdrawals are free of charge, as are payments; however, transfers to blockchain networks may incur additional fees. Coinbase, midway through its development, diversified into intuitive and straightforward staking systems; however, some of them have undeclared periods.

Customer service is complete with a help center, ticketing, and 24/7 live chat for confirmed users. Due to Coinbase’s stringent insurance and regulations, security is of the utmost importance.

Earning crypto interest is as simple as it gets for beginners, and it remains the most straightforward platform available; however, the interest is considerably lower than what is offered on other platforms.

Coinbase Highlights

• Founded Year: 2012
• Interest Rates: Approximately 4% APY on USDC and variable staking yields.
• Fees: Network withdrawal fees and free deposits.
• Customer Support: United States-regulated email and live chat, 24/7 available, free support.

9. Crypto.com

Since launching in 2016, Crypto.com has created a vast ecosystem with products like Crypto Earn, which unlocks earning potential of up to 2.% PA on select assets and up to 10–14% on stablecoins with lock-up periods. Deposits are free, while withdrawals incur nominal blockchain fees.

During its growth phase, Crypto.com enhanced yields for users who stake CRO tokens, rewarding CRO holders while bolstering its ecosystem. Withdrawals are standardly weekly, while the app’s intuitive interface simplifies fund management.

Customer service is reachable through in-app chat and email around the clock, but response times may be slow. Given its robust marketing, branded Visa debit card, and wide yields, Crypto.com is a favored platform for cryptocurrency traders and investors around the globe.

Crypto.com Earn Highlights

• Founded Year: 2016
• Interest Rates: Up to 14.5% APY; higher rates available with CRO staking.
• Fees: Blockchain withdrawal fees and free deposits.
• Supported Crypto: Over 250 assets.
• Customer Support: In-app chat support is available 24/7.

How to Earn Cryptocurrency?

With the vast array of digital assets present today, people have found creative ways to earn from not just Bitcoin, but Ethereum and even stablecoins. Interest accounts, staking, and even freelance work paid in cryptocurrency are all abundant.

The primary benefit of holding cryptocurrency, as opposed to traditional assets, is that there are usually no taxes applicable until the cryptocurrency is sold or converted in any way. This makes holding cryptocurrency far more attractive as a long-term income-generating asset.

However, depending on the country one is in, there is usually a chance of earning capital gains tax for liquidating or earning from these assets. Advanced planning is crucial to ensure regulatory-compliant profit maximization.

We have dedicated a lot of time researching multiple platforms to present to you the Best Crypto Interest Accounts in the market today.

All the selected platforms offer a blend of safety, competitive APYs, withdrawal capabilities, and strong customer support. Below, you will find some of our investment platforms designed to maximize your returns from your assets.

Conclusion

Holding Crypto Accounts appears to be the Next Best Thing to earning passive income due to the Ease and free participation available on high-yield platforms like Nexo and Crypto.com, as well as regulated options like Gemini and Coinbase, which balance returns with security and accessibility.

Determining Interest Rates on Accounts, Including Customer Support and Fee Structures, May Affect the Perception of the Account. High Rewards from such accounts may appeal to individuals from unregulated platforms; caution is still recommended.

Through simultaneous platforms, one could achieve optimal returns sans the risk; the bottom line still stands. Crypto holding accounts typically have an average account balance in crypto. It could focus on wealth while developing a digital economy, aiming to be among the best accounts by 2025.

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