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Bitcoin Lending Guide

How to lend Bitcoin
Crypto lending guide

BTC Lending Calculator

Popular Coins to Lend

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Bitcoin (BTC)
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Ethereum (ETH)
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Tether (USDT)
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Solana (SOL)
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Frequently Asked Questions About Bitcoin (BTC) Lending

What makes Bitcoin different from other cryptocurrencies?
Bitcoin is the original decentralized digital currency designed to enable peer-to-peer transactions without intermediaries. It operates on a Proof of Work network secured by the SHA-256 mining algorithm and has a fixed supply cap of 21 million coins, making it deflationary by design. Its value is driven by scarcity, network security, and widespread adoption rather than a single platform or use case. Bitcoin’s mature ecosystem includes a robust network of wallets, exchanges, and layer-2 developments, while its permissionless nature means anyone can participate with minimal requirements.
How does Bitcoin ensure security and prevent double-spending?
Bitcoin achieves security through a decentralized network of miners who compete to solve cryptographic puzzles and add new blocks to the blockchain. Each block contains a set of validated transactions, and once a block is confirmed, it becomes increasingly difficult to alter previous transactions. The consensus mechanism, PoW, requires substantial computational work to modify history, effectively preventing double-spending. Additionally, the public ledger is replicated across thousands of nodes worldwide, making tampering highly impractical.
What is the current supply status and how do halvings affect Bitcoin?
Bitcoin has a circulating supply of about 19.98 million coins out of a maximum 21 million. New bitcoins are issued as block rewards to miners roughly every 10 minutes. These rewards halve approximately every four years in an event known as a halving, reducing new supply and introducing a supply schedule that over time tends toward scarcity. The most recent halvings have historically influenced price dynamics by reducing inflation pressure and signaling longer-term scarcity to markets.
How can I buy, store, and use Bitcoin safely in day-to-day transactions?
To participate in Bitcoin, you typically buy BTC on a crypto exchange or through peer-to-peer platforms, then transfer it to a personal wallet. For storage, use a combination of hot wallets (for frequent use) and cold wallets (hardware wallets or air-gapped devices) for long-term holding. Security best practices include enabling two-factor authentication on exchange accounts, keeping private keys and recovery phrases offline and backed up, updating software, and avoiding phishing attempts. To spend BTC, you broadcast a transaction from your wallet to a recipient’s Bitcoin address; transactions are confirmed by miners and appear on the blockchain after a few confirmations.
What should I know about Bitcoin’s price trends and market indicators?
Bitcoin price is influenced by macroeconomic factors, institutional adoption, and on-chain activity. Key indicators to watch include price movements relative to 24-hour volume, market capitalization, realized price, and on-chain metrics like active addresses and hash rate. It’s important to view price within a long-term context—Bitcoin has a history of significant volatility but long-term appreciation tied to its fixed supply and growing network. Always perform risk-aware research, diversify holdings, and consider dollar-cost averaging for acquisition rather than attempting to time market peaks and troughs.

Bitcoin BTC News

Expert Crypto Trader Predicts The Exact Year Bitcoin Will Reach $250,000
February 23, 2026Expert Crypto Trader Predicts The Exact Year Bitcoin Will Reach $250,000

According to veteran financial analyst Peter Brandt, Bitcoin is on track to setting off to $250,000-plus by late 2029.

Bitcoin Loses Bullish Weekly Trend After 126 Weeks: What Next?
February 23, 2026Bitcoin Loses Bullish Weekly Trend After 126 Weeks: What Next?

Bitcoin closed below the 200-week EMA for the first time since 2023. Does the outcome signal a generational buying opportunity or is it a red flag?

French Energy Giant Engie Eyes Bitcoin Mining In Brazil
February 23, 2026French Energy Giant Engie Eyes Bitcoin Mining In Brazil

Engie is considering adding battery storage or bitcoin mining data centers to its 895-MW Assu Sol solar plant in Brazil.

NexoSponsored
Earn Daily Interest on BTC
  • Up to 16% APY on crypto and fiat currencies.
  • Daily compounding interest.
  • No lock-up periods, withdraw anytime.

Stablecoins

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EarnPark

0.15% BTC

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Bitcoin (BTC) Lending Rates

Find the best BTC lending rates and earn up to 14% APY APY. Compare 14 platforms side-by-side.

Updated: February 23, 2026
14% APY
Highest Rate
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Compare Bitcoin (BTC) Lending Rates

PlatformActionMax RateBase RateMin DepositLockupUS Access
EarnParkGo to Platform8% APY——30 daysNot US
NexoGo to Platform6.25% APY3.25% APY—30 daysCheck terms
NebeusGo to Platform4.5% APY4.5% APY$0.08—Not US
YouHodlerGo to Platform12% APY———Not US
NeverlessGo to Platform7.25% APY———Check terms
AQRUGo to Platform2.5% APY———Check terms
GeminiGo to Platform0.01% APY———US Available
WirexGo to Platform14% APY———Not US
BTSEGo to Platform3.5% APY———Check terms
BitgetGo to Platform3% APY———Check terms

1 — 10 / 26

Showing 1 to 10 of 26 results

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Historical Bitcoin 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.

Loading chart...
Chart comparing rates for YouHodler, Earnpark, Nexo, Aqru, Gemini over the past 30-day

YouHodler currently offers the highest Bitcoin lending rate in the United States at 12.00% APY, matching its 30-day average of 12.00%.

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

ProviderCurrent RateTrendAverage Rate
YouHodler
12%-avg 12%
Earnpark
8%avg 8.2%
Nexo
6.25%avg 4.96%
Aqru
2.5%-avg 2.5%
Gemini
0.01%-avg 0.01%
Best 30-day averageYouHodler (12% APY)
Last updated: Feb 23, 2026, 08:15 PM

Platform Safety Information

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

PlatformRegulatory StatusProof of ReservesTrack RecordInsurance
NexoEU (VARA Dubai, Multiple VASPs)2024-12 (Armanino)Has issuesCustodial insurance
AQRU———general
GeminiUS (NYDFS, FinCEN)2024-12 (Big Four (SOC 2))Has issuesDigital asset insurance
How we gather this information

The highest Bitcoin lending rate is 12.00% APY on YouHodler. BTC staking rewards reach 6.25% APY on Nexo. Borrow against BTC from 1.90% APR on Nexo. Rates tracked across 9 platforms.

Best BTC Interest Rates

Updated every 15 min
Lending
12.00% APY
on YouHodler →
Staking
6.25% APY
on Nexo →
Borrowing
1.90% APR
on Nexo →

Comparing BTC rates across 9 platforms to find you the best yields.