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Best BTC Rates • January 2026

Best Bitcoin Reward Rates

Maximize your Bitcoin holdings by finding the highest reward rates. We compare top-tier platforms to help you choose where to earn the best APY on your BTC.

HEXN

HEXN

15% APY

Verified BTC Reward

CoinDepo

CoinDepo

12% APY

Verified BTC Reward

EarnPark

EarnPark

5% APY

Verified BTC Reward

Compare All Bitcoin Reward Rates

Top tracked platforms for BTC yield generation.

Verified Rates

HEXN

dai tusd usdc usdt
Current Reward
15%

CoinDepo

dai usdc usdt
Current Reward
12%

EarnPark

algo dai lp usdc
Current Reward
5%

Nexo

dual investment eurc interest lending
Current Reward
4% DOWN

YouHodler

dai eurc pyusd tusd
Current Reward
4% STEADY

Nebeus

eurc loans neobank staking
Current Reward
3.5%

Bitcoin IRA

custodial ira retirement staking
Current Reward
2% STEADY

Bitfinex

exchange staking
Current Reward
1.98%

Coinmetro

exchange staking
Current Reward
1.8%

Tuyo

app defi eur usdc
Current Reward
1.6% DOWN

Phemex

exchange usdc usdt
Current Reward
1% UP

CoinRabbit

loans no kyc usdc usdt
Current Reward
0.3% STEADY

WhiteBIT

exchange lending usdc usdt
Current Reward
0.23% DOWN

Crypto.com

usat usdc usdt
Current Reward
0.2% STEADY

Kraken

bitcoin staking defi exchange staking
Current Reward
0.15% STEADY

Bitvavo

exchange lending staking
Current Reward
0.05%

Backpack

exchange lending loans staking
Current Reward
0.03%

Krak

app defi staking usdc
Current Reward
0.02% DOWN

Maximizing Your Bitcoin Rewards

Earning rewards on your Bitcoin (BTC) is one of the best ways to compound your holdings without active trading. By using yield generation platforms, you essentially "rent" your assets to institutional borrowers, on-chain protocols, or market makers who pay you a reward in return.

Key Factors to Consider

  • Risk vs Reward: Higher rates often carry higher risk. Centralized platforms (CeFi) provide ease of use, while Decentralized (DeFi) protocols give you more control but require more technical skill.
  • Lock-up Periods: Some platforms offer "flexible" rates where you can withdraw anytime, while others offer higher rewards if you commit your BTC for 30, 60, or 90 days.
  • Compounding: Look for platforms that compound your rewards daily or even per-block to maximize the effective annual yield.

Is Staking the Same as Reward Rates?

Usually, "Reward Rates" is a broad term that includes both Proof-of-Stake (PoS) staking and lending yields. If you're looking specifically for native network staking, be sure to check if the platform is acting as a validator or simply a lending pool.