Live APY tracker. Updated weekly.
Live APY tracker for crypto savings accounts. Compare rates across platforms — updated weekly.
Headline APY Rates Compared
Rates shown are maximum advertised APY. Tier requirements (token holdings, lock-ups, KYC level) may apply.
| Platform | Max APY | What earns it | Proof of Reserves | Last updated | Our score |
|---|---|---|---|---|---|
| Nexo | 16% | up to 16% APY (in-kind or NEXO tokens) | ✓ | 2026-03-13 | 7.8/10 |
| Crypto.com | 14.5% | up to 14.5% APY (Earn program, CRO staking) | — | 2026-03-13 | 6.7/10 |
| Revolut | 12.3% | up to 12.3% APY via staking (ETH, SOL, etc.) | — | 2026-03-13 | 8.5/10 |
| Binance | 10.5% | flexible and locked savings up to 10%+ APY via Binance Earn; DeFi staking | — | 2026-03-13 | 6.4/10 |
| Kraken (Krak Bank) | 10% | up to 10%+ APY via DeFi vaults; staking rewards vary by asset | — | 2026-03-13 | 7.4/10 |
| Sygnum Bank | 10% | 8–10% on BTC structured products; institutional staking rates vary | — | 2026-03-13 | 5.9/10 |
| Ledn | 9% | up to 7.5% APY (BTC), up to 9% APY (USDC) | ✓ | 2026-03-13 | 5.4/10 |
| Wirex | 8% | variable (WXT staking, DUO DeFi accounts) | — | 2026-03-13 | 6/10 |
| Coinbase | 5.1% | ETH staking ~3.5%, SOL staking ~5%, USDC 4.7% (Coinbase One) | — | 2026-03-13 | 7/10 |
| Brighty | 5% | 5% APY on USDC and USDT stablecoins | — | 2026-03-13 | 6.5/10 |
How to Read This Table
Max APY is the highest advertised rate the platform publishes for any single asset. In most cases this rate applies only to a stablecoin (USDC or USDT) and only when the user holds the platform's native token at a high tier. The "What earns it" column shows the asset and conditions required.
Proof of Reserves indicates whether the platform publishes a regular cryptographic attestation that it holds the assets it claims. After FTX collapsed in November 2022 with no PoR, this became the most important trust signal in crypto. Ledn publishes monthly via Chainalysis. Nexo publishes via Armanino.
Last updated is the date the platform itself most recently changed its public rate. Stale dates (more than 60 days old) usually mean either rate stability or — more often — that the platform isn't actively maintaining its rate page.
Yield Comes from Somewhere — Know What
The single most important question for any crypto yield product is: where does the yield come from? A 12% APY is not free. Platforms generate yield through one of four mechanisms: institutional lending, DeFi yield aggregation, proprietary trading, or token subsidies.
Lending and DeFi strategies dominated the 2020-2022 crypto yield era. The collapses of Celsius, BlockFi, Voyager, and the Anchor Protocol exposed how fragile these strategies are when borrowers default or protocols collapse. If a platform won't tell you where the yield comes from, treat that as a red flag.