Chainlink (LINK) Lending Rates Up to 12% APY

Find the best LINK lending rates and earn up to 12% APY. Compare 19 platforms side-by-side.

Last updated: January 12, 2026|Advertising disclosure

Chainlink Lending Guide

How to lend Chainlink

Crypto lending guide

Compare Chainlink (LINK) Lending Rates

Platform	Action	Max Rate	Base Rate	Min Deposit	Lockup	US Access
EarnPark	Go to Platform	5% APY	—	—	30 days	Not US
Nexo	Go to Platform	6.5% APY	3.5% APY	—	30 days	Check terms
YouHodler	Go to Platform	12% APY	—	—	—	Not US
Aave	Go to Platform	0.02% APY	—	—	—	Check terms
Gemini	Go to Platform	0.01% APY	—	—	—	US Available
Compound	Go to Platform	1.82% APY	—	—	—	Check terms
Blockchain.com	Go to Platform	1% APY	—	—	—	Check terms
CEX.io	Go to Platform	1% APY	—	—	—	Check terms
Kucoin	Go to Platform	0.06% APY	—	—	—	Check terms

Platform

Action

Max Rate

Base Rate

Min Deposit

Lockup

US Access

EarnPark

Go to Platform

5% APY

—

30 days

Not US

Nexo

Go to Platform

6.5% APY

3.5% APY

—

30 days

Check terms

YouHodler

Go to Platform

12% APY

—

Not US

Aave

Go to Platform

0.02% APY

—

Check terms

Gemini

Go to Platform

0.01% APY

—

US Available

Compound

Go to Platform

1.82% APY

—

Check terms

Blockchain.com

Go to Platform

1% APY

—

Check terms

CEX.io

Go to Platform

1% APY

—

Check terms

Kucoin

Go to Platform

0.06% APY

—

Check terms

Historical Chainlink 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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YouHodler currently offers the highest Chainlink 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

Provider	Current Rate	Trend	Average Rate
YouHodler	12%	-	avg 12%
Nexo	6.5%		avg 5.54%
Earnpark	5%		avg 2.32%
Aave	0.02%		avg 0%
Gemini	0.01%	-	avg 0.01%
Best 30-day averageYouHodler (12% APY)

Last updated: Feb 12, 2026, 05:26 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
Aave	United States (SEC)	Audited	—	—
Gemini	US (NYDFS, FinCEN)	2024-12 (Big Four (SOC 2))	Has issues	Digital asset insurance

How we gather this information

Frequently Asked Questions About Chainlink (LINK) Lending

What is Chainlink (LINK) and what problem does it solve?

Chainlink is a decentralized oracle network designed to connect smart contracts with real-world data, APIs, and off-chain resources. Oracles are essential for enabling contracts to respond to events outside the blockchain, such as price feeds, weather data, or payment confirmations. Chainlink aggregates data from multiple independent oracles to improve reliability and security, reducing the risk of single-point failures. This enables more complex DeFi apps, insurance, and other blockchain-based services to operate with accurate, tamper-resistant inputs.

How does Chainlink work and what is LINK used for?

LINK is the native token used to compensate node operators who run Chainlink oracles. When a smart contract requests data, it pays LINK to the network in exchange for reliable data delivery. Node operators stake LINK to participate in certain incentive programs, and the network uses off-chain computation and aggregation to produce consolidated data feeds. As a result, LINK serves both as an economic incentive mechanism and as a governance/stake component within Chainlink’s ecosystem.

Is Chainlink a good investment for DeFi interoperability and data reliability?

Chainlink plays a central role in DeFi by providing widely adopted, cross-chain oracle solutions. Its data feeds cover price indices, weather, sports results, and more, helping ensure contract outcomes. The network’s extensive node ecosystem, continuous RNG-based security upgrades, and partnerships with major blockchains boost reliability. However, like any crypto asset, LINK is subject to market risk, regulatory developments, and the adoption pace of new oracle solutions. Investors should assess risk tolerance, diversify, and consider Chainlink’s long-term integration roadmap when evaluating potential returns.

What are the current supply metrics for Chainlink, and how might supply affect price?

Chainlink has a max supply of 1,000,000,000 LINK and a circulating supply close to 708,099,970 LINK. The majority of LINK is distributed to node operators and ecosystem participants over time. As the platform grows and demand for reliable oracles increases, continued issuance to incentives can influence price dynamics. Investors should monitor supply-related factors like staking mechanisms, node rewards, and any changes in token economics announced by the Chainlink team, as these can impact scarcity and value perception in the market.

Where and how can I buy or store LINK securely?

LINK is widely available on major cryptocurrency exchanges, including fiat-to-crypto options in many regions. You can purchase LINK with a bank transfer or other cryptocurrencies, then transfer it to a secure wallet. For storage, consider a hardware wallet (like Ledger or Trezor) for offline security, or a reputable software wallet with strong security practices if you need frequent access. Always enable two-factor authentication on exchange accounts, use unique passwords, and keep your recovery phrases offline in a safe place. Diversify storage to reduce risk of single-point loss.

Frequently Asked Questions About Chainlink (LINK) Lending