Top 6 crypto lending platforms with the highest interest in [year]

Top 6 crypto lending platforms with the highest interest in [year]

The year [year] seems to be mainly about DeFi platforms, lending crypto, lending and receiving an interesting interest. More and more new crypto lending platforms are emerging around this hype and these are becoming increasingly popular. These crypto lending platforms are interesting for people who want to generate a passive income.

Be aware that crypto lending is different from cryptocurrency staking. There is a difference between a borrower (borrower) and a lender (lender). Borrowers can (often) borrow stablecoins and use their cryptocurrency as collateral. This way, they don’t have to spend or convert all of their cryptocurrency into a fiat currency. To borrow from the platform you have to pay a certain percentage in interest. As a borrower you do not have to perform BKR checks since you use crypto as collateral. In this way, a loan can be issued immediately.

On the other side of the transactions, there are the lenders (lenders). These people lend their crypto and thus generate a passive income. The interest paid by the borrower goes to the lender (minus the platform’s service costs). That way, both parties have an advantage.

So you can say that these platforms bring borrowers and lenders together. Below, we’ll show you the top 6 crypto lending platforms you should know, plus everything you need to know about them.

Lending platforms summary:

  1. Bitvavo: All in 1 platform from Dutch soil with strike rewards of up to 10.5%.
  2. Binance: The world’s largest exchange with highly variable interest rates.
  3. Large platform with interest rates of up to 6%.
  4. BlockFi: Large platform with licenses, interest rates up to 8.6%.
  5. Celsius Network: App with interest up to 22.4%.
  6. Nexo: Up to 10% interest per year.


Bitvavo, the largest exchange in the Netherlands, offers the possibility to stake 14 different cryptocurrencies via the platform. Both off-chain and on-chain strike services are offered. You must give separate permission to use this service, after which all supported coins will be staked automatically.

You can view the estimated returns every day and your strike rewards will be paid on Monday at 10 a.m. You always remain the owner of the coins and you can decide at any time to withdraw your crypto or to stop striking.

Bitvavo interest rates:

  • Stake 14 coins with interest rates from 0.79% to 10.5%.

View the current lending rates in your Bitvavo portal. Read our Bitvavo review to learn more about this party.

Start with strike at Bitvavo


One of the most important things to know about this platform is how it works. Binance is known worldwide as the largest cryptocurrency exchange, but nowadays they offer even more crypto-related services.

How it works is that you as an individual can increase the value of your portfolio by lending your assets to others on the platform, in this case, margin traders. These margin traders will in turn pay your interest and this will result in an increase in your portfolio. The best thing about this platform is that it offers variety. This means that you can choose from many different coins to lend. This offer changes regularly and there are many limited time special offers available, giving you an extra high interest rate.

You can find the Binance service under the Finance tab by selecting Savings. You get the choice between two options, Flexible Savings and Fixed Savings. In case you choose Fixed Savings, this means that you subscribe to lock your funds for a fixed period. With Flexible Savings, on the other hand, you will find the freedom to withdraw your funds at any time, in this case the interest rates will be different. Your interest is therefore higher if you opt for Fixed Savings for a longer period.

To get a loan from Binance you can go to Finance and click on Crypto Loans.

Binance interest rates:

  • Flexible Savings: 0% – 4%
  • Fixed Savings: 3% – 6.50%
  • Borrowing starts from: 18%

Be aware that interest rates can vary widely and are updated daily. To read more about Binance, check out our Binance review.

Start borrowing or lending through Binance + 20% lifetime discount on fees is an all in one platform offering various services from buying, selling and borrowing cryptocurrencies. Stakeholders can invest in the platform’s own currency: CRO, but this does not limit you to use other currencies such as Bitcoin and Ethereum. The way the platform works is that you deposit a crypto as collateral and you immediately receive a loan. The best thing about this platform is that there is no deadline to repay the loan, and the interest rates and loans are a lot lower compared to other crypto lending platforms.

As a borrower, you can easily secure your CRO tokens to take advantage of the highest interest rate. The platform has an online environment and a mobile app for iOS and Android, which makes it easier to transfer tokens from your wallet to and vice versa. interest rates:

  • Earn (app): Up to 6% CRO interest
  • Exchange: Up to 6% CRO interest
  • Borrowing starts from 8%

Read more about in our review.

Discover + $ 50 MCO for free


BlockFi is one of the most stable crypto lending platforms and without a doubt a favorite for newbies. The platform gives you access to a loan in just a few minutes after your application. This makes it attractive to borrowers and lenders and makes it very popular in the crypto market.

The platform mainly focuses on Ethereum, Litecoin and Bitcoin and the cryptos can be used as a security. The interesting thing about this platform is that it allows you to convert your euro to a stablecoin, at a 1-to-1 ratio. As a lender, the platform gives you access to generate passive income with your crypto. It is possible to withdraw your funds at any time.

BlockFi interest rates

  • Earn up to 8.6% interest
  • Borrowing starts from 4.8%

Celsius Network

The Celsius Network platform has earned a place in our top 6 of [years] and is quickly becoming a favorite of many users. All features are accessible from a mobile phone and the platform is very user-friendly.

When you borrow you get access to the fiat funds by using your crypto as collateral, so you pay minimal interest. If, as a lender, you are looking for a platform with guaranteed interest rates, this platform probably works for you too. As a lender, you earn passive income in your Celsius Network digital wallet.

Celsius Network interest rates:

  • Earn up to 22.4% interest
  • Borrowing starts from 1%


When a top crypto lending platform is mentioned, be it for satisfaction or security, this platform is one of them. This platform is seen as the leading platform in the crypto lending world with great potential to grow into an even larger platform in the coming years.

In the beginning, no one thought about taking out a loan through the blockchain. Everyone is talking about this these days. Crypto lending has grown a lot as an industry. The good thing about this platform is that it has made it possible to get cash right away by only holding cryptocurrencies as collateral. Read our Nexo review here.

Nexo interest rates:

  • Earn up to 10% interest
  • Borrowing starts from 5.9%


If you need cash and you have some crypto, you can use the currency as collateral to get a loan through a crypto lending platform. Your platform choice depends entirely on your needs, how quickly you need the loan and which crypto you own. The interest rate is also one of the decisive factors.

As a lender you want to see your assets grow in value and generate stable income. Interest rates for popular currencies are often lower than when using the platform’s own token. When you use your own token, you also run the risk that the token can decrease in value.

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