Top Bitcoin reward interest providers

Top Bitcoin reward interest providers

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An editor at Coincrop

06 Dec 2021 | 11 min read


iven global interest rates at an all-time low, the effects on bank saving rates has been hard. The possibilities to earn attractive rates of interest in the Bitcoin world is increasingly leading inventors to look at this asset class. Below we take you through the labyrinth of organizations to find the best returns for your Bitcoin whilst keeping it safe.

In this guide:

Disclaimer: All of the information written on Coin Crop is without influence and based on our analysis. No guarantee is offered concerning the accuracy of this information and therefore, any individual following up on it does as such completely at their own risk. Rates are correct at time of publication.

What is a Bitcoin savings product?

A Bitcoin savings product is simply a means by which you can deposit your Bitcoin and earn interest. The organizations that offer such services are typically centralized – i.e. they are registered legal entities with identifiable owners.

Protection is limited

The organizations mentioned in this guide are limited in regulation. This means that there is very little in the way of protecting your Bitcoin in the event that an organization fails. In reviewing the safest place for your Bitcoin, rather than considering regulation we have focused on the reputation of the organizations.

Interest from savings is tax-free at source

Most countries will consider that the interest earned on Bitcoin should be taxed. In practice, regulations are very disjointed and few countries require these gains to be reported to tax authorities.

The following countries don’t tax Bitcoin gains: Portugal, Germany, Singapore, Malaysia, Belarus, Slovenia, Malta and Switzerland.

You can split Bitcoin across different organizations

If you have lots of Bitcoin to save, you can decide to distribute your Bitcoin across several different organizations. This is a great way to balance risk and reward.

5 tips for choosing the right Bitcoin savings product

  1. Got expensive debts? Pay them off before saving – If the cost of interest on your debt is greater than what you would earn on savings, you would be better paying off the debt. Whilst this may seem obvious, the decision is a little more difficult when you consider that the price of Bitcoin can change significantly.

  2. Need to access your Bitcoin quickly? Go for easy access – Easy access Bitcoin products allow you to make withdrawals with no notice. They tend to pay lower rates of interest but are a good option if you feel that you may need to access your Bitcoin frequently. Note, some organizations will impose additional requirements that external wallet addresses will take 24 hours to whitelist. This is to reduce the risk of funds being stolen from a compromised account.

  3. Consider the fees. Depositing your Bitcoin with a saving organisation will incur a transaction (mining) fee when move the money from your wallet. When you come to withdraw your Bitcoin, most organisations will charge another transaction fee. Unless the lightening network is being used, the fee is typically $23.

  4. Keep an eye on rates. Rates of interest on Bitcoin can vary week-on-week. For this reason, you should check the rates on your earnings in order to ensure that you are getting the best rates of return.

  5. Can you lock your Bitcoin away for better rates of return? In just the same way that traditional fiat currency can be locked away in a fixed-rate account, Bitcoin can also be locked away for typically better interest rates. Locked terms are typically 30, 60 or 90 days.

Top 3 safest Bitcoin savings products

Parts of the cyrpto currency world can at some times resemble the wild west and Bitcoin is no different. As the industry matures, local country regulators will likely take a similar approach to crypto currency as they do with banking. Until such time as this happens, consumers must rely on their own research to find the safest place for their Bitcoin.

In considering the safest organizations for your Bitcoin, we asked ourselves the following questions:

Is the organization a registered legal entity that can be identified?

• Is the companies leadership team and key individuals identifiable?

• When was the company established?

• Which regulatory bodies has the company registered with?

• Does the company participate in the crypto community?

• In which country is the organizations legal entity registered?

• What kind of social media presence does the company have?

• How much crypto currency is currently invested with the company?

• Has the company received investment funding from investment partners?

• Does the company have a full cross-platform offering? E.g. web, Android, iOS etc.?

• Have there been any past operational incidents with regard to this company?

• Does the company have a Trust Pilot or Google rating?

OrganizationTermsRatingAPY Rate






Top 3 highest Bitcoin savings rate

If you’re willing to have a higher risk appetite and you don’t mind locking away your Bitcoin for a period of time, the rates of interest are typically higher. Below are the best rates for such scenarios:

OrganizationTermsRatingAPY Rate
OKExFixed (7 days)


AAXFixed (360 days)




Top 3 Bitcoin savings products with banking facilities

Unless you are in the South American country of El Salvador where the country has made Bitcoin legal tender, there are going to be occasions where you need to spend your Bitcoin by converting it into fiat currency in order to buy goods or services.

A number of Bitcoin organisations now offer debit cards allowing you to spend your crypto currency balance on shops and online businesses that only accept fiat currency. Typically you maintain a balance in Bitcoin and a balance in your local country currency. As you require it, you can then sell Bitcoin into currency.

Below are 3 organisations that offer such facilities:

OrganizationTermsRatingAPY Rate






Top 3 Bitcoin savings product with easy access

If you think that you may need access to your Bitcoin with no notice, then the following products may be suitable for you:

OrganizationTermsRatingAPY Rate






Top 3 Bitcoin fixed-term savings products

If you’re willing to lock away your Bitcoin for a fixed-term, you can typically earn better rates of interest:

30 days

OrganizationTermsRatingAPY Rate
VauldFixed (30 days)


AAXFixed (30 days)


NebeusFixed (30 days)


60 days

OrganizationTermsRatingAPY Rate
AAXFixed (60 days)


BTSEFixed (60 days)


90 days

OrganizationTermsRatingAPY Rate
BinanceFixed (90 days)


AAXFixed (90 days)


Crypto.comFixed (90 days)


The organizations in this guide

Binance is a cryptocurrency exchange that provides a platform for trading various cryptocurrencies. As of January 2018, Binance was the largest cryptocurrency exchange in the world in terms of trading volume. is a pioneering payments and cryptocurrency company with a mission to accelerate the world’s transition to cryptocurrency.

Hodlnaut is a centralised crypto earning company that was founded in 2019. It pays interest on a variety of crypto currency assets.

OKEx is a centralised cryptocurrency exchange that was founded in 2017. The company is based in the Seychelles.

The services provided by OKEx include spot, margin, options, perpetual swap, DeFi, lending and mining.

Voyager is a centralised crypto currency exchange that was founded in 2017. The primary business of the company is paying interest on over 60 digital assets.

INLOCK is a blockchain-based lending platform that enables customers to use their cryptocurrencies as collateral for a stablecoin loan.

BlockFi was founded in 2017 by Zac Prince and Flori Marquez. The primary business of the company is paying interest on crypto currency assets. Additional products include crypto trading, loans and a credit card.

Nexo is a European fintech company that provides instant cryptocurrency-backed loans for digital asset owners. The Nexo platform is powered by a European fintech group that has been involved in online consumer lending since 2007. [5] The Nexo platform launched in 2017 and is based in Zug, Switzerland.

Since 2014, Nebeus has been allowing people to get loans, access financial services, and earn using their Crypto, all without selling it.

CoinLoan was founded in 2017 and is headquartered in Estonia. The company offers crypto earning and borrowing products.

Vauld was founded in 2018, initially as a provided of secure Bitcoin and Ethereum wallets. Today the focus is on crypto currency earning and borrowing products.

BTSE is a financial technology company that utilizes Bitcoin and cryptocurrency technologies to develop real-world financial products.

AAX is the world's first crypto exchange powered by LSEG Technology's world-renowned matching engine, giving you a chance to trade crypto at the speed of light.




An editor at Coincrop
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