Arbitrum (ARB) Lending Rates Up to 7% APY

Find the best ARB lending rates and earn up to 7% APY. Compare 11 platforms side-by-side.

Last updated: January 12, 2026|Advertising disclosure

Arbitrum Lending Guide

How to lend Arbitrum

Crypto lending guide

Compare Arbitrum (ARB) Lending Rates

Platform	Action	Max Rate	Base Rate	Min Deposit	Lockup	US Access
EarnPark	Go to Platform	7% APY	—	—	30 days	Not US
Nexo	Go to Platform	4% APY	—	—	—	Check terms
Aave	Go to Platform	0.09% APY	—	—	—	Check terms
Compound	Go to Platform	1.21% APY	—	—	—	Check terms
Klink	Go to Platform	0.4% APY	—	—	—	Check terms
Bitget	Go to Platform	0.16% APY	—	—	—	Check terms

Platform

Action

Max Rate

Base Rate

Min Deposit

Lockup

US Access

EarnPark

Go to Platform

7% APY

—

30 days

Not US

Nexo

Go to Platform

4% APY

—

Check terms

Aave

Go to Platform

0.09% APY

—

Check terms

Compound

Go to Platform

1.21% APY

—

Check terms

Klink

Go to Platform

0.4% APY

—

Check terms

Bitget

Go to Platform

0.16% APY

—

Check terms

Historical Arbitrum lending rates (the United States)

Rates shown are the headline rates we track for the United States users; actual rates may vary by product, tier, or terms.

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Nexo currently offers the highest Arbitrum lending rate in the United States at 4.00% APY, matching its 30-day average of 4.00%.

30-DAY AVERAGE RATESArrows compare today vs 30-day average

Provider	Current Rate	Trend	Average Rate
Earnpark	7%		avg 3.49%
Nexo	4%	-	avg 4%
Aave	0.09%		avg 0%
Best 30-day averageNexo (4% APY)

Last updated: Feb 13, 2026, 08:00 AM

Platform Safety Information

We evaluate each platform's regulatory status, transparency, and track record.

Platform	Regulatory Status	Proof of Reserves	Track Record	Insurance
Nexo	EU (VARA Dubai, Multiple VASPs)	2024-12 (Armanino)	Has issues	Custodial insurance
Aave	United States (SEC)	Audited	—	—

How we gather this information

Frequently Asked Questions About Arbitrum (ARB) Lending

What is Arbitrum and what problem does it solve?

Arbitrum is a layer-2 scaling solution for Ethereum designed to increase transaction throughput and reduce fees while preserving security. It achieves this by processing transactions off the Ethereum mainnet and then posting the results back to Ethereum, which helps relieve congestion and lowers costs for decentralized applications (dApps) and users. This makes it attractive for developers building decentralized finance (DeFi), NFT, and other Ethereum-based projects who want faster confirmation times and cheaper gas fees without sacrificing security.

How does ARB work within the Arbitrum ecosystem and what is its role?

ARB is the native governance and utility token of the Arbitrum ecosystem. It is used for on-chain governance, allowing holders to vote on network upgrades, parameter changes, and ecosystem funding decisions. In addition, ARB can be used to pay for transaction fees on Arbitrum, participate in staking or incentive programs where available, and help align incentives between users, developers, and the Arbitrum Foundation. The token’s circulating supply and the capped max supply (10,000,000,000 ARB) influence its scarcity and potential long-term value.

What are the current price and supply details I should know for ARB?

As of the latest data, ARB trades around $0.1085 per token with a slight daily decline. The circulating supply is approximately 5.83 billion ARB out of a maximum supply of 10 billion. When evaluating an investment, consider the price change over the last 24 hours, overall market conditions, and the ongoing development activity in the Arbitrum ecosystem. Remember that crypto prices are volatile and can be influenced by broader market trends, regulatory news, and project announcements.

How can I buy, store, and securely manage ARB tokens?

ARB can be purchased on major centralized and decentralized exchanges that list the token. After purchase, store ARB in a wallet that supports Ethereum-compatible tokens (ERC-20), such as MetaMask, Trust Wallet, or hardware wallets like Ledger for enhanced security. If using a software wallet, enable hardware-backed security features where available and consider multi-factor authentication. Always verify contract addresses from official sources to avoid phishing and double-check network settings (Ethereum mainnet or Arbitrum bridges) when transferring tokens between chains.

What should I know about ARB’s risk and fundamentals for long-term use?

Key fundamentals to monitor include Arbitrum’s adoption rate by dApps and users, ongoing network upgrades, and governance decisions that influence fees, security, and ecosystem incentives. The price can be sensitive to overall crypto market movements and competition among layer-2 solutions. Diversify exposure and consider the risk profile of layer-2 ecosystems when allocating capital. For long-term engagement, keep an eye on bridge reliability, security audits, and any changes to fee structures or staking incentives that could affect user activity and developer interest.

Frequently Asked Questions About Arbitrum (ARB) Lending