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  1. Bitcompare
  2. Coins
  3. Cardano (ADA)
  4. Lending Rates
Cardano logo

Cardano (ADA) Lending Rates Up to 12% APY

Find the best ADA lending rates and earn up to 12% APY. Compare 12 platforms side-by-side.

Last updated: January 11, 2026|Advertising disclosure

Cardano Lending Guide

How to lend Cardano
Crypto lending guide

Calculate ADA Interest

Cardano ADA News

What to Expect for Bitcoin and Crypto Ahead of This Week's Inflation Data - Decrypt
February 12, 2026What to Expect for Bitcoin and Crypto Ahead of This Week's Inflation Data - Decrypt

Investors are focused on January’s CPI release after stronger-than-expected jobs data forced a repricing of rate expectations.

Cardano founder Charles Hoskinson says Midnight won't chase Monero, ZCash users
February 12, 2026Cardano founder Charles Hoskinson says Midnight won't chase Monero, ZCash users

Midnight will target "billions who don't know they need privacy" rather than privacy maxis as mainnet launch nears in March, he said.

Thailand's SEC Clears Path for Crypto-Linked Derivatives - Decrypt
February 12, 2026Thailand's SEC Clears Path for Crypto-Linked Derivatives - Decrypt

Thailand will allow digital assets to back regulated derivatives, deepening crypto’s role in its capital markets.

Frequently Asked Questions About Cardano (ADA) Lending

What is Cardano (ADA) and what problem is it trying to solve?
Cardano is a proof-of-stake blockchain platform focused on sustainability, scalability, and security through a research-driven approach. It aims to provide a robust infrastructure for decentralized applications (dApps) and smart contracts, with a layered architecture that separates settlement and computation. This design, combined with formal methods and peer-reviewed research, seeks to reduce energy consumption, improve governance, and enable scalable, secure deployments for developers and institutions.
How does Cardano's proof-of-stake consensus (Ouroboros) work and why does it matter for security and efficiency?
Cardano uses Ouroboros, a proof-of-stake consensus mechanism where ADA holders delegate or participate in securing the network by creating epochs and slots. Validators (pool operators) are chosen to create blocks based on stake and randomness, rather than energy-intensive mining. This approach lowers energy usage, enables higher security guarantees through formal verification, and allows for flexible governance. Stakers earn rewards proportional to their stake, incentivizing long-term participation while reducing hardware requirements compared to traditional proof-of-work systems.
What is the current supply status of ADA, and what should I know about supply limits and inflation risk?
ADA has a max supply of 45 billion coins, with over 36.7 billion ADA currently circulating. The remaining supply will gradually enter circulation over time as block rewards and treasury mechanisms release new ADA. Since the supply cap is fixed, long-term inflation risk is influenced by demand dynamics rather than unlimited token issuance. Investors should monitor Cardano’s governance decisions, treasury funding, and project milestones that could affect demand for ADA.
What are the main use cases for Cardano and how can ADA be utilized beyond payments?
Beyond a digital currency, ADA is used to stake and participate in network consensus, enabling rewards for stakers and validators. Developers can deploy smart contracts and dApps on Cardano’s scalable multi-layer architecture, leveraging formal methods for verification. Cardano also emphasizes on-chain governance through a treasury system where ADA holders vote on funding for projects and upgrades. These capabilities aim to foster a resilient ecosystem with active community participation and long-term sustainability.
What factors should I consider before investing in ADA, and how can I keep my holdings secure?
Before investing, assess ADA’s technology roadmap, ecosystem activity, and real-world use cases such as DeFi, non-fungible tokens, and governance initiatives. Review upcoming hard forks, protocol upgrades, and partnerships that could impact price and adoption. For security, store ADA in reputable wallets (hardware wallets recommended for large holdings), enable two-factor authentication, and stay cautious of phishing or exchange-related risks. Diversify holdings, only invest what you can afford to lose, and consider a long-term perspective aligned with Cardano’s development trajectory.
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Newly Added Coins to Lend

Pump.fun logo
Pump.fun (pump)
Berachain BERA logo
Berachain BERA (BERA)
USDT0 logo
USDT0 (usdt0)
Official Trump logo
Official Trump (trump)
USDtb logo
USDtb (usdtb)
YouHodler

0.12% ADA

Similar Coins to Lend

eCash logo
eCash (XEC)
Bitcoin Gold logo
Bitcoin Gold (BTG)
Ravencoin logo
Ravencoin (RVN)
Decred logo
Decred (DCR)
Flux logo
Flux (flux)

Supported Lending Platforms

Nexo logo
Nexo
YouHodler logo
YouHodler
Bitget logo
Bitget
Blockchain.com logo
Blockchain.com
Coinbase logo
Coinbase

Compare Cardano (ADA) Lending Rates

PlatformActionMax RateBase RateMin DepositLockupUS Access
NexoGo to Platform8% APY5% APY—30 daysCheck terms
YouHodlerGo to Platform12% APY———Not US
CoinbaseGo to Platform1.81% APY———Check terms
BitgetGo to Platform1.8% APY———Check terms
SwissBorgGo to Platform1.11% APY1.21% APY——Check terms
Blockchain.comGo to Platform1% APY———Check terms

1 — 10 / 12

Showing 1 to 10 of 12 results

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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
How we gather this information