Bitcoin (BTC) Lending Rates

Find the best BTC lending rates and earn up to 15% APY APY. Compare 7 platforms side-by-side.

Updated: April 14, 2026

15% APY

Highest Rate

Disclaimer: This page may contain affiliate links. Bitcompare may be compensated if you visit any links. Please refer to our Advertising disclosure.

The best Bitcoin lending rate is 15% APY on EarnPark.. Other top platforms include Nexo (6.5% APY) and Nebeus (4.5% APY). Compare BTC lending rates across 7 platforms.

EarnPark15%Nexo6.5%Nebeus4.5%

Compare Bitcoin (BTC) Lending Rates

Platform	Action	Max Rate	Base Rate	Min Deposit	Lockup	US Access
EarnPark	Go to Platform	15% APY	—	—	—	Check terms
Nexo	Go to Platform	6.5% APY	3% APY	—	180 days	Check terms
Nebeus	Go to Platform	4.5% APY	—	—	—	Check terms
YouHodler	Go to Platform	12% APY	—	—	—	Check terms
Morpho	Go to Platform	0.46% APY	—	—	—	Check terms
JustLend	Go to Platform	0.01% APY	—	—	—	Check terms
Spark	Go to Platform	0.00048% APY	—	—	—	Check terms

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...

Earnpark currently offers the highest Bitcoin lending rate in the United States at 15.00% APY, matching its 30-day average of 15.00%.

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

Provider	Current Rate	Trend	Average Rate
Earnpark	15%	-	avg 15%
YouHodler	12%	-	avg 12%
Nexo	6.5%		avg 4.74%
Nebeus	4.5%	-	avg 4.5%
Aqru	2.5%	-	avg 2.5%
Morpho	0.46%		avg 0%
Best 30-day averageEarnpark (15% APY)

Last updated: Apr 14, 2026, 03:31 PM

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

How we gather this information

Need programmatic access to this data?

Get real-time yield rates via the Bitcompare Pro API. 10,000 requests/month free.

View API

Bitcoin Lending Guide

How to lend Bitcoin

Crypto lending guide

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

April 14, 2026Bitcoin nears $76K as fresh Iran talks reports lift crypto markets

Bitcoin nears $76K as renewed US Iran talks optimism lifts crypto markets and brings Strategy’s massive BTC position back near break even.

April 14, 2026Senators Eye Draft Deal on Stablecoin Yield Amid Banking Lobby Pushback - Decrypt

Banks and crypto firms remain divided even as White House data says a yield ban wouldn’t do much for lending.

April 14, 2026Bitcoin price news: BTC completes rebound from Feb. 5 crash

Optimism over developments in the Middle East sparked a sharp decline in oil prices and rallies across risk markets.

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) Lending Rates

Compare Bitcoin (BTC) Lending Rates

Historical Bitcoin lending rates (the United States)

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

Platform Safety Information

Bitcoin Lending Guide

Frequently Asked Questions About Bitcoin (BTC) Lending

Bitcoin BTC News

Frequently Asked Questions About Bitcoin (BTC) Lending

Stablecoins

Bitcoin BTC News