Best Crypto Wallet with interest

Best Crypto Wallets with Interest

In the beginning, crypto wallets were simply used to store cryptocurrency assets. But then, over time, the crypto world, just like the traditional bank system, has come with an exciting incentive to asset holders. One of the new incentives is offering interest for invested or deposited funds. Lately, these wallets have been used to earn interest in crypto holdings.

In this review, we will recommend some of the best crypto interest accounts and how to chose the best crypto wallets to earn interest.

How to choose the best crypto wallet to earn interest?

How to choose the best crypto wallet to earn interest

Before you own cryptocurrency, you should have the best crypto wallt that will secure your tokens and enable you to earn interest and manage them easily. The following are some factors to consider when choosing a cryptocurrency wallet.

1. Regulation

Regulations are already sweeping across the growing crypto financial system. Some of these regulations may be unfriendly to some cryptocurrency projects. For example, Coinbase canceled its launch of a crypto lending product due to regulatory issues with the US government. Potential investors should be aware of such regulations as they may affect the operations of these accounts. 

2. Interest rates

Generally, crypto interest accounts offer high-interest rates to attract customers. Some even offer double digits interests. For example, hi enables investors to earn up to 40% APY. Apart from the interest rates, you should consider the withdrawal limitation and the lock-up period.

3. Returns over time

Assuming the rate doesn’t change, it is easy to calculate the possible interest you will make in traditional banking. However, crypto savings interest rates may be affected by the high volatility of the assets. Volatility varies depending on the type of token one is dealing with. For example, native coins such as Bitcoin and Ethereum experience daily fluctuation in value; on the other hand, stablecoins such as Tether (USDT) do not experience volatility as their value is pegged on a stable traditional currency or a real-world asset. 

4. Risks

Cryptocurrency involves different types of risks, including:

  • Digital assets lose value: The crypto market has more than 10,000 cryptocurrencies. However, not all these cryptocurrencies will add value over time; some never pick up well, some lose value along the way, while others may disappear completely. 
  • No deposit insurance: if a company gets bankrupt in the cryptosystem, there is no guarantee from any other central authority, such as the government, that you will get your funds back.

5. Supported crypto

Most cryptocurrency wallets support more than one crypto. Before signing up for a new wallet, ensure the wallet supports your favorite coins, so you don’t have to get more wallets to store different coins. You can confirm if the wallet supports your coins through the wallet provider’s online resources.

6. Security

A secure wallet should be the top priority for any crypto owner when choosing a crypto wallet. A good wallet must deploy top security features are to save users’ funds, so there are the lowest potential risks of exposure to threats. Preferably select a wallet with no history of hacking or other vulnerability issues. The wallet should offer a secure login via multifactor authentication (MFA). This way, you minimize the risk of theft or other losses in case your device falls into the wrong hands.

7. Wallet Features

Apart from the standard receipt, storage and transfer of crypto assets, different wallets offer contrasting features to users. Some features offer additional layers of security, enhance ease of use among other functions.

Other wallets offer built-in cryptocurrency swapping, support direct crypto purchase using credit cards, among other features. Evaluate your preferred wallet features and choose a crypto wallet that checks the most boxes for your list of features.

8. Cost

Purchase prices often vary depending on the brand. Consider an affordable wallet, but do not compromise security and other essential features for a low-budget wallet. Keep in mind that wallets may charge dynamic fees for usage. Ensure you understand these hidden fees, if any, on your wallet before you sign up.

Best Places to Earn Interest on Crypto: Highest Interest Crypto Accounts

Cryptocurrency platforms pay their customers to interest on the coins and tokens they store in their wallets, just like customers in traditional finance systems get interests. In the US, for example, typical savings accounts earn less than 3% APY, while the digital currency platforms ideally pay more interest than that. 

Many platforms have developed different competitive crypto wallets to meet the high demand for the best wallets in the market. We’ve compared and reviewed different crypto interest platform and here is our hand-picked list.

1. hi – Best crypto wallet with NFT crypto debit card

If you are looking for one of the crypto wallets with the highest interest rate, hi is ideal. Buying and selling HI or other cryptocurrencies in hi wallets can earn an interest of up to 20% per year, depending on the cryptocurrency used. hi offers 4% on USDT and 0.3% on Ethereum without users locking their funds. The wallet also offers flexible terms for investors who deposit funds on their platform. 

In 2022, hi also announced the world’s first NFT customizable crypto and fiat Debit Card. The debit card seamlessly connects with your hi wallet, which supports Euros, Pounds as well as an ever expanding list of cryptocurrencies, including $HI, $BTC, $ETH, $USDT and more.

Earnings Table

2. Earn offers two types of interest accounts: Flexible Savings Accounts (FSA) and Term Deposits. These options give users different choices regarding their savings goals and the features they want to use.

The APY available depends on the type of cryptocurrency you’re interested in earning – pays up to 14.5% on your crypto and up to 8.5% stablecoins. Interest is usually paid out in the coins held by the investor. 

3. Binance 

Binance Earn

Binance offers a more comprehensive option to their customers, depending on the term chosen for investment. They offer flexible and fixed terms and high stakes for DeFi staking, with the highest return rate of 7% and 12.5% depending on the coin. Binance customers earn about 1.2% APY on Bitcoin on the safe, flexible term option. 

Binance is a crypto-to-crypto exchange that offers traders quite a few exciting features. In addition to the main exchange, it has a futures trading platform and provides access to multiple coins through its lending and staking programs.

Binance also has its own native BNB token that offers users discounts on fees used to pay for them. BNB can be earned by participating in certain projects or bought on the open market. Users who hold BNB tokens are also eligible for Binance’s Launchpad program rewards.

Binance’s crypto savings account offers 4.5% APY on your crypto deposits. Currently, it is the highest interest rate available on Binance.

4. Nexo


Nexo has strived to bring professional financial services to the world of digital assets. Leveraging the best of the team’s years of experience in FinTech along with the power of blockchain technology, Nexo empowers millions of people to harness the value behind their crypto assets, shaping a new, better financial system.

Nexo currently manages assets for 5М+ users across 200 jurisdictions.

Nexo provides their interests to their investors on crypto and stablecoins. The wallet offers high-interest rates up to 16% APY.



AQRU is a new product from a new company. The cryptocurrency market is growing every day, and it requires proper regulation. They offer you to become a member of the AQRU family and earn passive income by investing funds into cryptocurrency mining. AQRU enables people to easily buy and sell crypto for a profit with a maximum interest rate of over 8% per annum.

AQRU offers the best service for users who want to store their assets. The AQRU system allows depositing in any amount from 0.001 BTC to 10 BTC and more by providing a high-profit interest on the deposit, depending on the deposit’s amount and period.

6. Coinbase

Coinbase Earn

The Coinbase platform offers its clients two main products: Coinbase Pro and Coinbase Wallet. These products provide different levels of security, but they all come with high-yield interest rates.

Coinbase Pro is a professional trading platform that allows users to buy, sell and trade cryptocurrencies. It’s also the platform used to access the high-yield interest accounts offered by Coinbase, which are currently available at 3%. A Coinbase wallet is a place where you can store your cryptocurrencies securely. It’s also possible to earn interest on your crypto holdings directly from the wallet app, although the rate is slightly lower than what you’ll get from Coinbase Pro at 2.5%.


Many cryptocurrency platforms are offering highly competitive interest rates on crypto staking or holding. Apart from just storing funds, some cryptocurrency wallets enable users to deposit funds and earn interest on their savings. Different wallets offer different interest rates depending on their terms. These include crypto wallets like, Nexo, Binance, and, among many others. Among these, has been the best, considering their high rates on Hi dollar and other supported cryptocurrencies. 


A crypto interest account is a platform that allows you to earn interest on your cryptocurrency holding. Like the traditional interest-earning savings account, you agree to lend out your crypto assets for interest. Some crypto interest accounts allow you to withdraw your funds anytime, while some require depositing for a fixed period.

Crypto interests are offered to investors after you stake your coins for some time. Crypto interest works in two ways. 1) When you put your crypto into a crypto interest account, it becomes available to people who want loans. Once they take your crypto as loans, the crypto loan has to be paid with interest. 2) You can stake your crypto on a blockchain network to help maintain the network and earn interest in return. The platform validating the staking process takes a portion of the reward, while the remainder is given to the holders of the interest account.

The most recognized way of earning interest on your crypto are staking, yield farming, and lending. These investment techniques help you earn interest in your holdings while they stay in your wallet.

Comments are closed.