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18 Verified Lending Platforms

Bitcoin Lending Rates

Compare the best BTC lending rates from top platforms. Earn competitive APY on your Bitcoin with flexible or fixed-term lending options.

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#1

HEXN

Lending
15.00% BTC APY
Lockup: 30-365 days
Fees: Yes, for early withdrawls
Coins: BTC, ETH, USD
#2

CoinDepo

Lending
12.00% BTC APY
Lockup: None
Fees: None
Coins: BTC, ETH, USD
#3

EarnPark

Lending
5.00% BTC APY
Lockup: None
Fees: Yes (network fees)
Coins: BTC, ETH, USD

Nexo

Loans
4.00% BTC APY
Lockup: None or 1 month
Fees: Limited free withdrawls per month
Coins: BTC, ETH, USD

YouHodler

Lending
4.00% BTC APY
Lockup: None
Fees: Yes
Coins: BTC, USD, SOL

Nebeus

Staking
3.50% BTC APY
Lockup: 1-4 months
Fees: None
Coins: BTC, ETH, USD

Bitcoin IRA

Staking
2.00% BTC APY
Lockup: None
Fees: Yes
Coins: BTC, ETH, SOL

Bitfinex

Exchange
1.98% BTC APY
Lockup: Flexible
Fees: Yes
Coins: BTC, ETH, SOL

Coinmetro

Exchange
1.80% BTC APY
Lockup: 3, 6, 12, or 24 months
Fees: Yes
Coins: BTC, ETH

Tuyo

Lending
1.60% BTC APY
Lockup: Flexible
Fees: None
Coins: BTC, ETH, USD

Phemex

Exchange
1.00% BTC APY
Lockup: Flexible
Fees: None
Coins: BTC, ETH, USD

CoinRabbit

Loans
0.30% BTC APY
Lockup: None
Fees: No
Coins: BTC, ETH, USD

WhiteBIT

Exchange
0.23% BTC APY
Lockup: 10-360 days
Fees: None
Coins: BTC, ETH, USD

Crypto.com

Lending
0.20% BTC APY
Lockup: None (flexible), 1 month, 3 months
Fees: Yes
Coins: BTC, ETH, USD

Kraken

Exchange
0.15% BTC APY
Lockup: Flexible
Fees: Yes
Coins: BTC, ETH, USD

Bitvavo

Exchange
0.05% BTC APY
Lockup: None
Fees: Varies
Coins: BTC, ETH, SOL

Backpack

Exchange
0.03% BTC APY
Lockup: Unbonding period applies
Fees: None
Coins: BTC, ETH, SOL

Krak

Staking
0.02% BTC APY
Lockup: None
Fees: None
Coins: BTC, ETH, USD

How Bitcoin Lending Works

1. Deposit BTC

Transfer your Bitcoin to a lending platform.

2. Earn Interest

Borrowers pay interest to access your BTC. You earn APY.

3. Withdraw

Most platforms offer flexible terms. Withdraw your BTC plus earnings depending on terms.

Checklist: How to Choose a BTC Lending Platform

  • Compare BTC Lending Rates Look for the highest APY on Bitcoin lending. Rates vary between platforms and how yield is earned.
  • Check Security & Audits Only use audited platforms with proven track records. Look for insurance coverage on your BTC deposits.
  • Understand Lockup Terms Flexible lending allows instant withdrawals. Fixed-term lending locks your BTC for higher APY but less liquidity.

Frequently Asked Questions About Bitcoin Lending

What is Bitcoin lending?
Bitcoin lending is the process of depositing your BTC into a platform or protocol that lends it to borrowers. In return, you earn interest (APY) on your deposited Bitcoin.
What are the best BTC lending rates in 2026?
The best BTC lending rates in 2026 vary by platform and market conditions. Top platforms listed above offer competitive APY ranging from 3-12% depending on whether you choose flexible or fixed-term lending. DeFi protocols often offer higher rates but with more complexity, while CeFi platforms provide easier access with slightly lower returns.
Is Bitcoin lending safe?
Bitcoin lending carries risks, including smart contract vulnerabilities (DeFi), platform insolvency (CeFi), and market volatility. To minimize risk: only use audited platforms, diversify across multiple lenders, start with small amounts, and look for platforms with insurance coverage. Never lend more BTC than you can afford to lose.
How do I start lending BTC?
To start lending BTC: 1) Choose a lending platform from the comparison above, 2) Create an account and complete KYC (if required), 3) Transfer your Bitcoin to the platform, 4) Select your lending terms (flexible or fixed), 5) Deposit your BTC and start earning interest automatically. Most platforms compound your earnings daily.

Disclaimer: Bitcoin lending rates are variable and subject to change. APY is not guaranteed. Always do your own research (DYOR) and never lend more than you can afford to lose. Cryptocurrency lending carries significant risks.