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	Coin	Interest rate
Nexo	Chainlink (LINK)	Up to 7% APY
YouHodler	Chainlink (LINK)	Up to 12% APY
Aave	Chainlink (LINK)	Up to 0.03% APY
Blockchain.com	Chainlink (LINK)	Up to 1% APY
CEX.io	Chainlink (LINK)	Up to 1% APY
Compound	Chainlink (LINK)	Up to 1.82% APY

Platform

Coin

Interest rate

Up to 7% APY

Up to 12% APY

Up to 0.03% APY

Up to 1% APY

Up to 1% APY

Up to 1.82% APY

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.

Rate data for YouHodler, Nexo, Earnpark, Aave, Gemini
Date	YouHodler	Nexo	Earnpark	Aave	Gemini
2025-12-25	12.00	-	0.05	-	0.01
2025-12-26	12.00	-	0.05	-	0.01
2025-12-27	12.00	-	0.05	-	0.01
2025-12-28	12.00	-	0.05	-	0.01
2025-12-29	12.00	-	0.05	-	0.01
2025-12-30	12.00	-	0.05	-	0.01
2025-12-31	12.00	-	0.05	-	0.01
2026-01-01	12.00	-	0.05	-	0.01
2026-01-02	12.00	-	0.05	-	0.01
2026-01-03	12.00	-	0.05	-	0.01
2026-01-04	12.00	-	0.05	-	0.01
2026-01-05	12.00	-	0.05	-	0.01
2026-01-06	12.00	-	0.05	-	0.01
2026-01-07	12.00	-	0.05	-	0.01
2026-01-08	12.00	-	0.05	-	0.01
2026-01-09	12.00	-	0.05	-	0.01
2026-01-10	12.00	-	0.05	-	0.01
2026-01-11	12.00	-	0.05	-	0.01
2026-01-12	12.00	-	0.05	-	0.01
2026-01-13	12.00	-	0.05	-	0.01
2026-01-14	12.00	-	0.05	-	0.01
2026-01-15	12.00	-	0.05	-	0.01
2026-01-16	12.00	-	0.05	-	0.01
2026-01-17	12.00	-	0.05	-	0.01
2026-01-18	12.00	-	0.05	-	0.01
2026-01-19	12.00	-	0.05	-	0.01
2026-01-20	12.00	-	0.05	-	0.01
2026-01-21	12.00	-	0.05	-	0.01

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 0%
Earnpark	0.05%	-	avg 0.05%
Aave	0.02%		avg 0%
Gemini	0.01%	-	avg 0.01%
Best 30-day averageYouHodler (12% APY)

Last updated: Jan 23, 2026, 08:45 AM

Frequently Asked Questions About Chainlink (LINK) Lending

What is Chainlink (LINK) and how does it work?

Chainlink is a decentralized oracle network that connects real-world data and APIs to smart contracts on various blockchains. Oracles are essential for enabling DeFi, insurance, and other dApps to interact with off-chain information like price feeds, weather data, or random numbers. LINK is the native token used to pay node operators for providing data services, secure computation, and for participating in the network’s governance and staking models in some deployments. In practice, developers request data from Chainlink oracles, pay LINK as a fee, and node operators compete to fulfill those requests, delivering tamper-resistant, verifiable inputs to smart contracts. This setup helps reduce reliance on single data sources and increases reliability for on-chain applications.

Is Chainlink a good investment right now and what should I consider before buying LINK?

Investing in Chainlink involves weighing its role as a critical data infrastructure in crypto ecosystems against market risk. Key factors to consider include LINK’s utility (ongoing demand from DeFi,acles, and enterprise integrations), total supply (max 1 billion) and current circulating supply (~708 million), and the network’s roadmap (such as enhancements to oracle architecture, cross-chain data feeds, and staking features in different deployments). Also assess market conditions, volatility, and your risk tolerance. While Chainlink has established partnerships and broad usage, crypto investments remain high-risk. Diversify, set clear entry and exit plans, and consider evaluating LINK’s performance against other oracle providers and broader DeFi adoption over time.

How do I securely store and manage LINK tokens, and what are some practical use cases for LINK today?

To securely store LINK, choose a reputable wallet that supports ERC-20 tokens (e.g., hardware wallets like Ledger or Trezor for cold storage, or reputable software wallets with strong security practices). Enable strong authentication, keep recovery phrases offline, and be cautious of phishing attempts. For transfers, verify token contracts and network fees before sending. Practical use cases for LINK today include paying for oracle services within Chainlink-enabled ecosystems, participating in tokenomic mechanisms in community or project-specific deployments, and leveraging LINK in staking or node operation in networks that support it. Traders and developers also monitor LINK’s price and network activity as indicators of DeFi and data-market demand, but always align actions with your risk management strategy.

Frequently Asked Questions About Chainlink (LINK) Lending