Earn Interest on Bitcoin (2026)

Q: Is earning interest on Bitcoin safe?

No, counterparty risk is real. When you deposit Bitcoin for yield you are lending it to a company, and if that company fails you can lose your deposit, as Celsius and BlockFi customers learned in 2022. Never deposit more than you can afford to lose. Self-custody pays no yield, but it has no counterparty risk.

Q: Why are Bitcoin interest rates so low?

Bitcoin has no native yield, so any interest a platform pays comes from lending your BTC to borrowers. That lending demand collapsed after the 2022 failures, which is why rates today are far below the 2021-era headline numbers.

A handful of platforms still let you earn interest or rewards on your Bitcoin. The high-yield lenders that dominated this space in 2021 (BlockFi, Celsius) went bankrupt, so the list is shorter and the risks matter more than the rate. Here are the options still operating — read the warning first.

Last updated June 2026. Some links on this page are affiliate links — we may earn a commission at no extra cost to you.

⚠ Read this first. Crypto interest accounts are not bank accounts. Your deposit is not FDIC or SIPC insured, and you take on counterparty risk — if the platform fails or freezes withdrawals, you can lose your Bitcoin, as happened to customers of BlockFi and Celsius in 2022. Treat any yield as high-risk, only deposit what you can afford to lose, and keep long-term savings in your own self-custody wallet.

Platforms That Still Pay Interest on Bitcoin

Crypto.com Earn

Earn rewards on Bitcoin and other crypto inside the Crypto.com app, with flexible or fixed terms. It is available to eligible users including in the US, but reward rates vary by state, membership tier, and lockup term — the best BTC rates require higher tiers and fixed terms, so check the current rates in the app.

Visit Crypto.com Earn

YouHodler Non-US

Earn yield on Bitcoin and a wide range of other crypto. YouHodler is not available to US or Canadian residents, but serves 100+ other countries (yield products are also unavailable in the UK and Switzerland). Rates vary by asset — check current rates on their site.

Visit YouHodler

What happened to Bitcoin interest accounts?

Most of them are gone. In 2022 the two biggest Bitcoin lenders, Celsius and BlockFi, went bankrupt, and Gemini Earn froze customer withdrawals. Then in July 2025 Ledn — one of the last Bitcoin-focused holdouts — ended its Bitcoin interest accounts too, pivoting to Bitcoin-backed loans rather than paying interest on BTC. Far fewer companies now offer interest on Bitcoin at all, which is why this page lists only a couple of options and why the warning above matters so much.

Bitcoin Interest FAQ

Is earning interest on Bitcoin safe?

No — counterparty risk is real. When you deposit Bitcoin for yield you are lending it to a company, and if that company fails you can lose your deposit, as Celsius and BlockFi customers learned in 2022. Never deposit more than you can afford to lose. Keeping your coins in a self-custody wallet pays no yield, but it also has no counterparty.

Why are Bitcoin interest rates so low?

Bitcoin has no native yield — unlike proof-of-stake coins, simply holding BTC earns nothing. Any interest a platform pays comes from lending your Bitcoin to borrowers, and that lending demand collapsed after the 2022 failures. With fewer borrowers and more cautious platforms, today’s rates are far below the headline numbers of 2021.

Are there alternatives?

Yes. You can earn sats-back on everyday spending with a crypto debit card, or earn free Bitcoin through sign-up bonuses, tasks, and quizzes — neither requires handing over Bitcoin you already own.

Earn Bitcoin Without the Risk

Do not want to hand your Bitcoin to a lender? Earn brand-new Bitcoin instead — complete quick tasks, surveys, and a daily quiz on EarnCrypto and withdraw to your own wallet. Free to join, trusted since 2013.

Create Your Free Account

S********r has received 70 Coins for completing a CPX Research survey. CPX Research Survey. 1 hour ago
S********r has received 20 Coins for completing a CPX Research survey. CPX Research Survey. 2 hours ago
t******a has received 80 Coins for completing a CPX Research survey. CPX Research Survey. 4 hours ago
t******a has received 80 Coins for completing a CPX Research survey. CPX Research Survey. 4 hours ago
t******a has received 100 Coins for completing a CPX Research survey. CPX Research Survey. 4 hours ago
t******a has received 50 Coins for completing a CPX Research survey. CPX Research Survey. 4 hours ago
t******a has received 20 Coins for completing a CPX Research survey. CPX Research Survey. 4 hours ago
k*****t has received 113.40 Coins for completing an Lootably offer. Idle Weapon Shop. 4 hours ago
k********k withdrew 0.000153 Bitcoin ($10.23) 6 hours ago
a*********2 withdrew 0.00283 Ethereum ($5.06) 9 hours ago
k*****t withdrew 17.0 Tron ($5.46) 1 day ago
D*********2 withdrew 0.00417 Ethereum ($7.46) 2 days ago
s****y withdrew 0.000308 Bitcoin ($20.63) 2 days ago
P***********7 received 110.0 Tron ($35.31) tx 2 days ago
S******3 received 33.0 Tron ($10.59) tx 2 days ago
💰 Over $2.5M paid to users since 2013 • 59,647+ verified withdrawals