Maximize Your Crypto Yields
Compare risk-free savings rates across top exchanges. Find the highest APY for stablecoins and major cryptocurrencies.
Compare Savings Rates
Best APY across verified exchanges. Click any asset for detailed comparison.
| Asset | Best APY | Exchange | Action |
|---|---|---|---|
 USDT Stablecoin | 10.80%
Base: 1.80% |  BI Bitget AA
Proof of Reserves
| |
 USDC Stablecoin | 8.80%
Base: 3.20% | BI Bitget AA
Proof of Reserves
| |
 BTC Cryptocurrency | 10.00%
Base: 0.32% | BI Bitget AA
Proof of Reserves
| |
 ETH Cryptocurrency | 9.50%
Base: 1.48% | BI Bitget AA
Proof of Reserves
| |
 SOL Cryptocurrency | 5.00% |  OK OKX AA+
Proof of Reserves
|
How Crypto Savings Rates Work
Crypto savings accounts, also known as "Earn" or "Flexible Savings" products, allow you to earn passive income on your cryptocurrency holdings. These products are offered by major exchanges like Binance, OKX, Bybit, and others.
APY (Annual Percentage Yield) APY (Annual Percentage Yield) represents your estimated yearly earnings, including compound interest. Rates vary by exchange, asset, and sometimes by the amount deposited (tiered rates).
Stablecoins Stablecoins like USDT and USDC typically offer the most competitive rates because exchanges use these for lending markets. Rates can range from 2% to over 12% depending on market conditions.
Frequently Asked Questions
Common questions about crypto savings and APY rates
Q
Which exchange has the highest USDT APY?
USDT APY rates vary between exchanges and change frequently. Our real-time comparison shows that rates typically range from 2% to 12%+ depending on the exchange and deposit amount. Currently, the highest rates are often found on exchanges like Binance, OKX, and Bybit, but we recommend checking our live comparison table for the most up-to-date information.
Q
What is Smart Allocation?
Smart Allocation is our intelligent fund distribution tool that helps you maximize yields by spreading your crypto across multiple exchanges. Instead of depositing all funds in one place, it calculates the optimal distribution to take advantage of tiered interest rates and different APY offerings across platforms.
Q
Is crypto savings safe?
Crypto savings products carry inherent risks including exchange security, rate changes, and market volatility. We recommend only using reputable exchanges with Proof of Reserves (PoR), never investing more than you can afford to lose, and diversifying across multiple platforms. Always do your own research (DYOR) before depositing funds.