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  1. Bitcompare
  2. Lending Rates
Ethereum logo

Ethereum (ETH) Lending Rates Up to 12% APY

Find the best ETH lending rates and earn up to 12% APY. Compare 30 platforms side-by-side.

Last updated: January 12, 2026|Advertising disclosure

Ethereum Lending Guide

How to lend Ethereum
Crypto lending guide

Calculate ETH Interest

Frequently Asked Questions About Ethereum (ETH) Lending

What gives Ethereum its value and what are its main use cases?
Ethereum (ETH) derives value from its utility within the network. It powers gas fees for transactions and smart contract execution, acts as collateral in DeFi applications, and is used for minting and trading NFTs and other digital assets. ETH also enables staking to participate in the network’s Proof of Stake consensus, where holders lock ETH to help secure the blockchain and earn rewards typically in the 3-5% annual range. Beyond finance and collectibles, developers use ETH to deploy decentralized applications (dApps) and decentralized autonomous organizations (DAOs) on the Ethereum Virtual Machine (EVM). As ETH is burned via EIP-1559 during high activity, deflationary pressure can influence scarcity, potentially impacting price dynamics over time. Overall, ETH’s value is driven by network demand, developer activity, and institutional adoption.
What is the recent upgrade history of Ethereum and how does it affect users?
Ethereum has undergone several major upgrades that shape its performance and economics. The shift to Proof of Stake (Merge) in 2022 replaced energy-intensive mining with validator-based consensus, reducing energy consumption by over 99% and enabling staking rewards for ETH holders. The EIP-1559 upgrade introduced a dynamic base fee that is burn-enabled, which can burn more ETH than is issued to validators during busy periods, creating deflationary pressure. This affects fee predictability for users and, potentially, ETH scarcity over time. Ongoing roadmap work focuses on increasing throughput, reducing confirmation times, and further decentralization while preserving security. For users, this means faster transactions, improved network efficiency, and new staking opportunities, with regulatory and market implications dependent on broader adoption.
How can I participate in Ethereum staking and what are the risks and rewards?
Staking Ethereum involves locking up ETH to help secure the network and participate in block validation as a validator. Requirements typically include running a validator node with 32 ETH, reliable infrastructure, and technical know-how. Alternatives exist for smaller holders, such as staking through centralized exchanges or decentralized staking services, which pool resources but may introduce counterparty risk. Rewards come from block proposer and attestation incentives, commonly in the range of a few percent annually, subject to network conditions and penalties for misbehavior or downtime. Risks include potential liquidity constraints (staked ETH being locked during certain periods), smart contract or validator operator vulnerabilities, and market volatility affecting the value of staked assets. If you prefer risk mitigations, consider diversified exposure or staking via trusted platforms with clear disincentives for misbehavior and strong security audits.
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Ethereum ETH News

Nasdaq Seeks to Remove Position Limits on Bitcoin and Ether ETF options
January 22, 2026Nasdaq Seeks to Remove Position Limits on Bitcoin and Ether ETF options

Nasdaq has filed a rule change with the US Securities and Exchange Commission to remove position and exercise limits on options tied to spot Bitcoin and Ethereum ETFs.

Solana Treasury Firm Blames Sniper for Suspicious Meme Coin Trades - Decrypt
January 22, 2026Solana Treasury Firm Blames Sniper for Suspicious Meme Coin Trades - Decrypt

Solana treasury firm DeFi Development Corp. launched a meme coin on Thursday and quickly became the subject of insider trading allegations.

1 Year of Trump and Pro-Crypto White House, But Who Profitted?
January 22, 20261 Year of Trump and Pro-Crypto White House, But Who Profitted?

Regulatory easing under Trump promised a crypto boom, but Bitcoin and altcoins sank while Trump family ventures profited.

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% ETH

Similar Coins to Lend

NEAR Protocol logo
NEAR Protocol (NEAR)
Ondo logo
Ondo (ONDO)
Toncoin logo
Toncoin (TON)
Humans.ai logo
Humans.ai (HEART)
Bitcoin logo
Bitcoin (BTC)

Supported Lending Platforms

Nexo logo
Nexo
Nebeus logo
Nebeus
EarnPark logo
EarnPark
YouHodler logo
YouHodler
Aave logo
Aave

Compare Ethereum (ETH) Lending Rates

PlatformCoinInterest rate
NexoEthereum (ETH)Up to 7.5% APY
EarnParkEthereum (ETH)Up to 0.05% APY
YouHodlerEthereum (ETH)Up to 12% APY
AQRUEthereum (ETH)Up to 3% APY
GeminiEthereum (ETH)Up to 0.01% APY
WirexEthereum (ETH)Up to 12% APY

1 — 6 / 30

Showing 1 to 6 of 30 results

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Historical Ethereum 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, Aqru, Earnpark, Gemini
DateYouHodlerNexoAqruEarnparkGemini
2025-12-2612.007.503.000.050.01
2025-12-2712.007.503.000.050.01
2025-12-2812.007.503.000.050.01
2025-12-2912.007.503.000.050.01
2025-12-3012.007.503.000.050.01
2025-12-3112.007.503.000.050.01
2026-01-0112.007.503.000.050.01
2026-01-0212.007.503.000.050.01
2026-01-0312.007.503.000.050.01
2026-01-0412.007.503.000.050.01
2026-01-0512.007.503.000.050.01
2026-01-0612.007.503.000.050.01
2026-01-0712.007.503.000.050.01
2026-01-0812.007.503.000.050.01
2026-01-0912.007.503.000.050.01
2026-01-1012.007.503.000.050.01
2026-01-1112.007.503.000.050.01
2026-01-1212.007.503.000.050.01
2026-01-1312.007.503.000.050.01
2026-01-1412.007.503.000.050.01
2026-01-1512.007.503.000.050.01
2026-01-1612.007.503.000.050.01
2026-01-1712.007.503.000.050.01
2026-01-1812.007.503.000.050.01
2026-01-1912.007.503.000.050.01
2026-01-2012.007.503.000.050.01
2026-01-2112.007.503.000.050.01
2026-01-2212.007.503.000.050.01
Chart comparing rates for YouHodler, Nexo, Aqru, Earnpark, Gemini over the past 30-day

YouHodler currently offers the highest Ethereum 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

ProviderCurrent RateTrendAverage Rate
YouHodler
12%-avg 12%
Nexo
7.5%-avg 7.5%
Aqru
3%-avg 3%
Earnpark
0.05%-avg 0.05%
Gemini
0.01%-avg 0.01%
Best 30-day averageYouHodler (12% APY)
Last updated: Jan 24, 2026, 02:55 AM