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Bitcoin (BTC) Interest Rates

Compare Bitcoin interest rates for lending, staking, and borrowing

$70,392.43
↓ 2.13%
Updated: February 15, 2026
Disclaimer: This page may contain affiliate links. Bitcompare may be compensated if you visit any links. Please refer to our Advertising disclosure.

Compare Bitcoin (BTC) Interest Rates

Bitcoin (BTC) Lending Rates

PlatformActionMax RateBase RateMin DepositLockupUS Access
EarnParkGo to Platform10% APY——30 daysNot US
NexoGo to Platform6.5% APY3.5% APY—30 daysCheck terms
NebeusGo to Platform4.5% APY———Not US
YouHodlerGo to Platform12% APY———Not US
AQRUGo to Platform2.5% APY———Check terms
GeminiGo to Platform0.01% APY———US Available
See all 26 lending rates

Bitcoin (BTC) Staking Rewards

PlatformActionMax RateBase RateMin DepositLockupUS Access
EarnParkGo to Platform10% APY——30 daysNot US
YouHodlerGo to Platform12% APY———Not US
AQRUGo to Platform2.5% APY———Check terms
GeminiGo to Platform0.01% APY———US Available
See all 4 staking rewards

Bitcoin (BTC) Borrowing Rates

PlatformActionBest RateLTVMin CollateralUS Access
NexoGet Loan2.9% APR——Check terms
NebeusGet Loan8% APR——Not US
Xapo BankGet Loan10.26% APR——Check terms
See all 10 borrowing rates

BTC Lending Rates Market Summary

Average Rate
5.92% APY
Highest Rate
12% APY
YouHodler
Platforms Tracked
6
Best Risk-Adjusted
12% APY
YouHodler

How to read this table:

  • Max Rate — Max Rate is the advertised maximum.
  • Base Rate — Base Rate is what most users actually get (often requires token staking or high tiers for max rate).

Learn more about how rates work →

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Frequently Asked Questions About Bitcoin (BTC) Interest Rates

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.

About Bitcoin (BTC) in the United States

Bitcoin (BTC) operates on a decentralized network using a peer-to-peer architecture, where transactions are verified by network nodes through cryptography and recorded on a public ledger called the blockchain. The consensus mechanism is Proof of Work (PoW), requiring miners to solve complex...
Bitcoin (BTC) has various use cases, primarily as a digital currency for peer-to-peer transactions, allowing users to send and receive funds globally without intermediaries. Businesses like Overstock and Newegg accept Bitcoin, enabling customers to purchase goods directly with cryptocurrency.
Bitcoin (BTC) follows a deflationary supply model, with a maximum cap of 21 million coins that can ever be mined, creating scarcity that impacts market dynamics. New bitcoins are issued through mining, where miners validate transactions and receive newly created bitcoins as rewards.
Bitcoin (BTC) employs a strong security framework through its Proof of Work (PoW) consensus mechanism, requiring miners to solve cryptographic puzzles to validate transactions. Each transaction is grouped into a block linked to the previous one, forming an immutable blockchain resistant to...
Since its launch on January 3, 2009, Bitcoin (BTC) has reached significant milestones. The release of the first Bitcoin software by its pseudonymous creator, Satoshi Nakamoto, marked the network's inception and the mining of the genesis block.

How to Keep Your Bitcoin (BTC) Safe

To enhance the security of your Bitcoin holdings, consider using a hardware wallet, which provides a secure offline environment for storing private keys and protects them from online threats; popular options include Ledger and Trezor. For private key management, always generate keys in a secure environment and never share them; utilize a strong, unique passphrase to encrypt your wallet. Be aware of common security risks such as phishing attacks and malware; mitigate these risks by enabling two-factor authentication (2FA) on accounts and regularly updating software. Multi-signature wallets can add an additional layer of security by requiring multiple private keys for transactions, making unauthorized access more difficult. Lastly, implement robust backup procedures by securely storing copies of your wallet seed phrases and private keys in multiple physical locations, ensuring you can recover your assets in case of loss or theft.

How Bitcoin (BTC) Works

Bitcoin operates on a decentralized blockchain architecture, consisting of a distributed ledger that records all transactions across a network of nodes. Each block in the chain contains a list of transactions and is linked to the previous block, forming an immutable record. The consensus mechanism employed by Bitcoin is Proof of Work (PoW), where miners compete to solve complex mathematical problems to validate transactions and add new blocks to the blockchain. This process not only secures the network but also ensures that the majority of nodes agree on the state of the ledger, preventing double-spending. Transaction validation involves verifying the authenticity of transactions through cryptographic signatures, ensuring that only the rightful owner can spend their Bitcoin. Network security is reinforced through the use of hashing algorithms, specifically SHA-256, which makes it computationally infeasible to alter any part of the blockchain without redoing the work for all subsequent blocks. Unique technical features of Bitcoin include its capped supply of 21 million coins, which introduces scarcity, and the 10-minute average block time, which regulates the rate at which new bitcoins are generated and transactions are confirmed.

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Supported Exchanges

Nexo logo
Nexo
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PrimeXBT
EarnPark logo
EarnPark
YouHodler logo
YouHodler
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