01
7.8 / 10
Highest yield + instant crypto loans
MiCA Compliant EU LicensedProof of ReservesArmanino Audited
● APY · UPDATED 13 MAR 19 PLATFORMS
Earn yield. Without surprises.
Compare APY rates across the top crypto banking platforms. Ranked by rate, safety, and Trustpilot score.
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§ 01 HEADLINE RATES
Current APY Rates Compared
| Platform | Max APY | What earns it | Proof of Reserves | Trustpilot | Score | |
|---|---|---|---|---|---|---|
| Nexo | 16% | up to 16% APY (in-kind or NEXO tokens) | ✅ | ★ 4.5 | 7.8/10 | Review → Earn on Nexo ↗ |
| Crypto.com | 14.5% | up to 14.5% APY (Earn program, CRO staking) | — | ★ 1.3 | 6.7/10 | Review → Get Crypto.com Card ↗ |
| Revolut | 12.3% | up to 12.3% APY via staking (ETH, SOL, etc.) | — | ★ 4.7 | 8.5/10 | Review → Try Revolut Free ↗ |
| Binance | 10.5% | flexible and locked savings up to 10%+ APY via Binance Earn; DeFi staking | — | ★ 2.1 | 6.4/10 | Review → Open Binance Account ↗ |
| Kraken (Krak Bank) | 10% | up to 10%+ APY via DeFi vaults; staking rewards vary by asset | — | N/A | 7.4/10 | Review → Open Kraken FDIC Account ↗ |
| Sygnum Bank | 10% | 8–10% on BTC structured products; institutional staking rates vary | — | N/A | 5.9/10 | Review → Contact Sygnum ↗ |
| Ledn | 9% | up to 7.5% APY (BTC), up to 9% APY (USDC) | ✅ | ★ 4.7 | 5.4/10 | Review → Earn on Ledn ↗ |
| Wirex | 8% | variable (WXT staking, DUO DeFi accounts) | — | ★ 2.7 | 6/10 | Review → Get Wirex Card ↗ |
| Anchorage Digital | 8% | Anchorage Stake + Earn (institutional rates) | — | N/A | 8.5/10 | Review → |
| Mercado Bitcoin | 8% | 3–8% on stablecoins + select tokens | — | N/A | 7.2/10 | Review → |
| Bitso | 7% | 3–7% on USDC + USDT | — | N/A | 7.5/10 | Review → |
| Rain | 6% | 3–6% on USDC + select tokens | — | N/A | 7.5/10 | Review → |
| Roqqu | 6% | 3–6% on USDT (when active) | — | N/A | 6/10 | Review → |
| Coinbase | 5.1% | ETH staking ~3.5%, SOL staking ~5%, USDC 4.7% (Coinbase One) | — | ★ 1.6 | 7/10 | Review → Open Coinbase ↗ |
| Brighty | 5% | 5% APY on USDC and USDT stablecoins | — | ★ 4.2 | 6.5/10 | Review → Try Brighty ↗ |
| Mercury | 5% | Up to 5% on Treasury via T-Bills | — | N/A | 7/10 | Review → |
| Lemon | 5% | 4–5% on USDC + USDT | — | N/A | 7/10 | Review → |
| Hex Trust | 5% | Negotiated institutional rates | — | N/A | 7.8/10 | Review → |
| Luno | 4% | 0.5–4% on BTC/ETH/USDC | — | N/A | 7/10 | Review → |
Rates as of 13 Mar. Always verify current rates on each platform before depositing.
§ 02 FULL RANKING
Platforms Ranked by Earn Rate
02
6.7 / 10
Biggest card rewards — but buyer beware
FCA RegisteredMAS Licensed
03
8.5 / 10
The all-in-one account — banking, crypto, investing
MiCA Compliant UK Banking LicenceEU Banking LicenceFCA Regulated€100K DGS Protected
04
6.4 / 10
World's largest crypto exchange — 600+ coins, Binance Pay, Binance Card
FIU India RegisteredAUSTRAC Registered (AU)
05
7.4 / 10
First major US crypto bank — FDIC-insured, exchange-backed
FDIC Insured FDIC InsuredNY BitLicence
06
5.9 / 10
The world's most regulated crypto bank — for institutions
MiCA Compliant FINMA Banking LicenceMAS LicensedSwiss Regulated
07
5.4 / 10
The Bitcoin bank — yield and loans, nothing else
Proof of ReservesChainalysis Verified
08
6.0 / 10
150+ currencies, one card — pioneer with a support problem
FCA RegisteredE-Money Institution
09
8.5 / 10
First federally chartered US crypto bank
OCC NTBCMAS DPT (Singapore)FinCEN MSBSOC 2 Type II
10
7.2 / 10
Brazil's largest crypto-banking exchange
BacenCVM (Brazil)Lei 14.478
11
7.5 / 10
LATAM's largest crypto exchange + banking infrastructure
CNBV-registered (MX)Bacen + CVM (BR)CNV (AR)
12
7.5 / 10
Bahrain-licensed crypto exchange + banking for the GCC
CBBADGM
13
6.0 / 10
Nigerian crypto-banking exchange
SEC-NG ARIP framework
14
7.0 / 10
The beginner-friendly US crypto account — NASDAQ-listed and FDIC-insured fiat
FDIC Insured NASDAQ ListedSEC RegisteredFDIC Insured (USD)FCA Registered (UK)
15
6.5 / 10
EU IBAN + crypto + 5% stablecoin yield in one app
MiCA Compliant Estonian FIU LicensedEU Registered
16
7.0 / 10
US neobank built for crypto + tech startups
FDIC Insured FDIC insurance via partner banksSweep network for $5M coverage
17
7.0 / 10
Argentinian USD-stablecoin neobank
CNV (Argentina)UIF
18
7.8 / 10
Hong Kong + Singapore institutional crypto bank
SFC HKMAS DPTVARA Dubai (Temporary Permit)ADGMBMA Bermuda
19
7.0 / 10
UK + Africa crypto exchange + custodial wallet
FCA Cryptoasset FirmFSCA (ZA)BNM (Malaysia)Lithuanian VASP
§ 03 FAQ
Frequently Asked Questions
Which crypto platform has the highest APY? +
Nexo currently offers the highest headline rate at up to 16% APY, though this requires holding NEXO tokens in your portfolio. Crypto.com offers up to 14.5% for CRO stakers. For stablecoins, Brighty offers 5% APY on USDC/USDT with no token lock-in.
Is crypto yield safe? +
Crypto yield is significantly riskier than traditional bank interest. Platforms can freeze withdrawals (as seen with Celsius, BlockFi, and Nexo US in 2022). Look for platforms with Proof of Reserves (Nexo, Ledn), full banking licences (Revolut), or FDIC insurance on fiat (Kraken Bank). Never deposit more than you can afford to lose.
What is Proof of Reserves and why does it matter? +
Proof of Reserves (PoR) is a cryptographic audit that proves a platform holds the assets it claims to hold. Ledn publishes monthly PoR via Chainalysis. Nexo publishes PoR via Armanino. After FTX collapsed in 2022 (no PoR), this became the most important trust signal in crypto.