Despite the shake-ups of 2022, when platforms like Celsius and BlockFi collapsed, crypto lending has bounced back stronger, smarter, and safer. Today’s best crypto lending platforms are transparent, regulated, and built for long-term sustainability.
In this guide, we’ll break down the top-performing platforms in 2025. These were selected based on real APYs, safety, supported assets, usability, and innovation.
Whether you're looking to earn passive income on stablecoins or leverage your Bitcoin without selling, this guide focuses only on trusted, battle-tested options that are operating legally and responsibly today.
Disclaimer: Crypto lending carries risk. This is not financial advice. Always do your research and never invest more than you can afford to lose.
Best Crypto Lending Platforms at a Glance
What Are Crypto Lending Platforms?
Crypto lending platforms let you either earn interest on your crypto or borrow cash using your crypto as collateral. Instead of leaving Bitcoin or stablecoins idle, you can put them to work and earn returns that often beat traditional banks.
There are two main use cases:
- Lenders deposit crypto and earn passive income (APYs vary by asset).
- Borrowers use crypto to secure instant loans, often without credit checks.
Most people use these platforms to earn yield, access liquidity without selling, or avoid triggering capital gains taxes.
Crypto lending comes in three forms:
- CeFi (e.g., Nexo, YouHodler): centralised, easy to use
- DeFi (e.g., Syrup/Maple): decentralised, on-chain
- Hybrid (e.g., EarnPark): combines both models
How Crypto Lending Works (Step-by-Step)
At its core, crypto lending is simple: deposit your crypto and earn interest, or use it as collateral to borrow funds without selling.
If you're a lender, you deposit assets like Bitcoin, Ethereum, or stablecoins into a platform. These funds are then lent out or deployed into yield-generating strategies. In return, you earn interest, often paid daily or weekly, and can usually withdraw your funds at any time, unless you’ve chosen a fixed-term option.
If you're a borrower, you use your crypto as collateral to access a loan in fiat or stablecoins. No credit cheques are required. As long as you repay the loan, your crypto is returned. But if the market drops and your loan-to-value (LTV) ratio gets too high, the platform may issue a margin call or liquidate part of your collateral.
Some key terms worth knowing:
- APY is your annual percentage yield - the interest you earn over a year.
- LTV tells you how much you can borrow based on your collateral.
- Most platforms use overcollateralisation (e.g., you deposit $10,000 in cryptocurrency to borrow $5,000).
- A margin call happens when your collateral drops in value and you need to top it up.
Interest structures vary by platform - some offer flexible, withdraw-anytime accounts, while others offer higher rates if you lock your funds for 30 days or more.
Key Factors to Consider Before Choosing a Platform
Before signing up for any crypto lending service, it’s worth taking a few minutes to understand what really matters. In an industry where returns are high but risks are real, it is crucial to conduct thorough research before choosing a platform.
Some platforms focus on high APYs, while others prioritise safety, transparency, or flexibility. Below is a breakdown of the most important factors to look at when comparing crypto lending platforms.
If you're not sure where to start, ask yourself these five questions:
- Is the platform regulated and secure?
- Are the interest rates realistic and sustainable?
- What assets can I lend or use as collateral?
- Are my funds locked, and for how long?
- What’s the platform’s reputation and track record?
Keeping these in mind will help you avoid common pitfalls and choose the right platform for your risk level and goals.
Top Crypto Landing Platforms Compared
Now that we’ve walked through the key features of each platform, it’s time to see how they actually stack up side by side.
While some platforms excel in daily payouts and loyalty rewards, others shine with institutional strategies or multi-asset support. The comparison below outlines the core differences to help you make a more informed decision, whether you're focused on returns, asset variety, or platform type.
Crypto Lending Interest Rate Comparison
If you're seeking the highest yields on your cryptocurrency investments, this page is a place where the numbers clearly demonstrate their worth. Below is a real-time snapshot of interest rates across top lending platforms, covering BTC, ETH, stablecoins, and more, along with key factors like lockup terms and minimum deposit requirements.
Whether you're a passive holder or an active yield chaser, this table helps you decide where your crypto can work the hardest in 2025.
Tips Before You Choose
- Rates change often. Check directly with the platform before committing.
- Stable APY does not mean that it is always stable; some fluctuate while others remain fixed.
- Read the fine print. Lockup periods, payout frequency, and platform reputation matter.
Risks to Watch Out For
Before locking your crypto into a lending platform, it’s important to understand the potential risks involved.
While returns can be attractive, they come with trade-offs. Here’s what to watch for: