What is Ethereum and how does it differ from Bitcoin?

Ethereum is a programmable blockchain that enables developers to build and deploy smart contracts and decentralized applications (dApps). Unlike Bitcoin, which primarily functions as digital money, Ethereum serves as a global computer where code executes automatically and autonomously. Its native token, ETH, is used for paying transaction fees (gas), securing the network through staking, and interacting with DeFi, NFT marketplaces, and other decentralized services. The platform’s goal is to enable a wide range of applications beyond payments, from finance to gaming, with ongoing upgrades like Proof of Stake (completed in 2022) and plans to increase throughput and reduce costs.

How does the Proof of Stake transition (The Merge) affect ETH rewards and security?

The Merge moved Ethereum from Proof of Work to Proof of Stake, meaning validators (not miners) secure the network by staking ETH as collateral. Validators earn rewards for proposing and validating blocks, typically in the range of a few percent annually, depending on total stake and network conditions. PoS reduces energy consumption by over 99% and introduces penalties for malicious behavior, improving security through slashing. For users, this shift generally means a more sustainable network with the potential for staking yields, though it requires staking mechanisms (direct validator participation or through staking services).

What is EIP-1559 and how does it affect ETH supply and transaction fees?

EIP-1559 introduced a base fee mechanism that is burned (destroyed) with each transaction, along with a priority tip to miners/validators. This creates deflationary pressure during periods of high activity: more ETH is burned than issued as rewards to validators, potentially reducing circulating supply over time. In practice, users pay a dynamic base fee that contracts with network demand, plus a tip to prioritize inclusion in a block. The net effect can be lower average fees during calm periods and occasional upward pressure on ETH scarcity during busy times.

What are the main use cases for ETH within the Ethereum ecosystem?

ETH serves several critical roles: paying gas fees to execute smart contracts and participate in dApps, staking to secure the network and earn rewards, and acting as collateral or liquidity in DeFi protocols. It’s also used to purchase NFTs and digital assets on various marketplaces. As institutional adoption grows, ETH is increasingly held in treasuries and offered in regulated products like spot ETFs, giving traditional investors a familiar way to gain exposure while supporting the ecosystem’s liquidity and security.

What is the roadmap for Ethereum in terms of scalability and future upgrades?

Ethereum’s roadmap focuses on increasing transaction throughput, reducing confirmation times, and maintaining decentralization and security. After The Merge, upgrades aim to augment sharding and rollups (layer 2 solutions) to push effective throughput well beyond current levels, potentially exposing capacity targets like 100,000 transactions per second in the long term. Ongoing research targets improvements in data availability, network efficiency, and resistance to future threats (e.g., quantum computing). Practically, users and developers can expect lower fees and faster confirmations as Layer 2 ecosystems mature and base layer improvements take effect.

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Ethereum (ETH) Interest Rates

Compare Ethereum interest rates for lending, staking, and borrowing

$1,932.83

↓ 1.72%

Updated: February 12, 2026

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Ethereum (ETH)

Ethereum (ETH) Interest Rates

Compare Ethereum interest rates for lending, staking, and borrowing

$1,932.83

↓ 1.72%

Updated: February 12, 2026

Disclaimer: This page may contain affiliate links. Bitcompare may be compensated if you visit any links. Please refer to our Advertising disclosure.

Compare Ethereum (ETH) Interest Rates

About Ethereum (ETH)

Ethereum (ETH) is a decentralized blockchain platform that facilitates the creation and execution of smart contracts and decentralized applications (dApps). Utilizing the Ethash hashing algorithm, it ensures network security and supports a proof-of-work consensus mechanism, where miners solve...

Ethereum serves as a foundational platform for various use cases, particularly in decentralized finance (DeFi), allowing users to lend, borrow, and earn interest on assets without intermediaries. Platforms like Aave leverage Ethereum's capabilities to offer innovative financial services, while the...

Ethereum's tokenomics model features a supply mechanism that transitioned to Ethereum 2.0, introducing a deflationary aspect through the burning of a portion of transaction fees. This aims to create scarcity and potentially increase ETH's value as demand rises.

The network's security relies on its proof-of-work (PoW) consensus mechanism, requiring miners to solve cryptographic puzzles to validate transactions. This process deters malicious activity and ensures only legitimate transactions are recorded.

Ethereum's development roadmap includes significant milestones aimed at improving scalability, security, and functionality. Launched on July 30, 2015, Ethereum 1.0 introduced smart contracts. Major upgrades like Metropolis: Byzantium and Metropolis: Constantinople enhanced privacy and performance.

How to Keep Your Ethereum (ETH) Safe

To enhance the security of your Ethereum holdings, consider using a hardware wallet, which offers superior protection against online threats by storing your private keys offline; reputable options include Ledger and Trezor. For private key management, ensure that you generate and store your keys in a secure, offline environment, and never share them with anyone. Using a strong, unique password for your wallet is also crucial. Be aware of common security risks such as phishing attacks and malware; mitigate these by enabling two-factor authentication (2FA) and regularly updating your software. Multi-signature wallets can provide an additional layer of security by requiring multiple approvals for transactions, making unauthorized access more difficult. Lastly, implement robust backup procedures by securely storing multiple copies of your wallet recovery phrases in different physical locations to prevent loss due to theft or hardware failure.

How Ethereum (ETH) Works

Ethereum operates on a decentralized blockchain architecture that utilizes a public ledger to record all transactions and smart contracts. Its consensus mechanism, known as Ethash, is a proof-of-work algorithm that requires miners to solve complex mathematical problems to validate transactions and add new blocks to the chain. The transaction validation process involves miners verifying the authenticity of transactions and ensuring that the sender has sufficient funds before they are included in a block. To maintain network security, Ethereum employs various measures, including cryptographic hashing, which secures data integrity, and a robust incentive structure that rewards miners for their contributions. Unique technical features of Ethereum include its support for smart contracts, which are self-executing contracts with the terms directly written into code, and the ability to create decentralized applications (dApps) that run on its blockchain, enabling a wide range of functionalities beyond simple transactions.

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Frequently Asked Questions About Ethereum (ETH) Interest Rates

What is Ethereum and how does it differ from Bitcoin?: Ethereum is a programmable blockchain that enables developers to build and deploy smart contracts and decentralized applications (dApps). Unlike Bitcoin, which primarily functions as digital money, Ethereum serves as a global computer where code executes automatically and autonomously. Its native token, ETH, is used for paying transaction fees (gas), securing the network through staking, and interacting with DeFi, NFT marketplaces, and other decentralized services. The platform’s goal is to enable a wide range of applications beyond payments, from finance to gaming, with ongoing upgrades like Proof of Stake (completed in 2022) and plans to increase throughput and reduce costs.
How does the Proof of Stake transition (The Merge) affect ETH rewards and security?: The Merge moved Ethereum from Proof of Work to Proof of Stake, meaning validators (not miners) secure the network by staking ETH as collateral. Validators earn rewards for proposing and validating blocks, typically in the range of a few percent annually, depending on total stake and network conditions. PoS reduces energy consumption by over 99% and introduces penalties for malicious behavior, improving security through slashing. For users, this shift generally means a more sustainable network with the potential for staking yields, though it requires staking mechanisms (direct validator participation or through staking services).
What is EIP-1559 and how does it affect ETH supply and transaction fees?: EIP-1559 introduced a base fee mechanism that is burned (destroyed) with each transaction, along with a priority tip to miners/validators. This creates deflationary pressure during periods of high activity: more ETH is burned than issued as rewards to validators, potentially reducing circulating supply over time. In practice, users pay a dynamic base fee that contracts with network demand, plus a tip to prioritize inclusion in a block. The net effect can be lower average fees during calm periods and occasional upward pressure on ETH scarcity during busy times.
What are the main use cases for ETH within the Ethereum ecosystem?: ETH serves several critical roles: paying gas fees to execute smart contracts and participate in dApps, staking to secure the network and earn rewards, and acting as collateral or liquidity in DeFi protocols. It’s also used to purchase NFTs and digital assets on various marketplaces. As institutional adoption grows, ETH is increasingly held in treasuries and offered in regulated products like spot ETFs, giving traditional investors a familiar way to gain exposure while supporting the ecosystem’s liquidity and security.
What is the roadmap for Ethereum in terms of scalability and future upgrades?: Ethereum’s roadmap focuses on increasing transaction throughput, reducing confirmation times, and maintaining decentralization and security. After The Merge, upgrades aim to augment sharding and rollups (layer 2 solutions) to push effective throughput well beyond current levels, potentially exposing capacity targets like 100,000 transactions per second in the long term. Ongoing research targets improvements in data availability, network efficiency, and resistance to future threats (e.g., quantum computing). Practically, users and developers can expect lower fees and faster confirmations as Layer 2 ecosystems mature and base layer improvements take effect.

Ethereum ETH News

February 12, 2026Spot ETH ETFs Losses Outpace Bitcoin As Monthly Netflows Remain Negative

Bitcoin and Ether prices remain below most investors’ cost basis for their respective spot ETFs, but according to Bloomberg analysts, Ether holders are in more trouble.

February 12, 2026Bitcoin Cash holds near $500 despite broader crypto market slump: check 2026 outlook - CoinJournal

BCH price holds $500 and is above a key support level, but could tank alongside Bitcoin if BTC dumps to $50k before surging in 2026

February 12, 2026New Cardano deal opens a path to $80 billion in omnichain assets, but liquidity still isn’t guaranteed

Cardano's LayerZero integration aims to connect 160 blockchains and unlock access to $80 billion in omnichain tokens.

Similar Coins

Supported Exchanges

Newly Added Coins

Frequently Asked Questions About Ethereum (ETH) Interest Rates

What is Ethereum and how does it differ from Bitcoin?: Ethereum is a programmable blockchain that enables developers to build and deploy smart contracts and decentralized applications (dApps). Unlike Bitcoin, which primarily functions as digital money, Ethereum serves as a global computer where code executes automatically and autonomously. Its native token, ETH, is used for paying transaction fees (gas), securing the network through staking, and interacting with DeFi, NFT marketplaces, and other decentralized services. The platform’s goal is to enable a wide range of applications beyond payments, from finance to gaming, with ongoing upgrades like Proof of Stake (completed in 2022) and plans to increase throughput and reduce costs.
How does the Proof of Stake transition (The Merge) affect ETH rewards and security?: The Merge moved Ethereum from Proof of Work to Proof of Stake, meaning validators (not miners) secure the network by staking ETH as collateral. Validators earn rewards for proposing and validating blocks, typically in the range of a few percent annually, depending on total stake and network conditions. PoS reduces energy consumption by over 99% and introduces penalties for malicious behavior, improving security through slashing. For users, this shift generally means a more sustainable network with the potential for staking yields, though it requires staking mechanisms (direct validator participation or through staking services).
What is EIP-1559 and how does it affect ETH supply and transaction fees?: EIP-1559 introduced a base fee mechanism that is burned (destroyed) with each transaction, along with a priority tip to miners/validators. This creates deflationary pressure during periods of high activity: more ETH is burned than issued as rewards to validators, potentially reducing circulating supply over time. In practice, users pay a dynamic base fee that contracts with network demand, plus a tip to prioritize inclusion in a block. The net effect can be lower average fees during calm periods and occasional upward pressure on ETH scarcity during busy times.
What are the main use cases for ETH within the Ethereum ecosystem?: ETH serves several critical roles: paying gas fees to execute smart contracts and participate in dApps, staking to secure the network and earn rewards, and acting as collateral or liquidity in DeFi protocols. It’s also used to purchase NFTs and digital assets on various marketplaces. As institutional adoption grows, ETH is increasingly held in treasuries and offered in regulated products like spot ETFs, giving traditional investors a familiar way to gain exposure while supporting the ecosystem’s liquidity and security.
What is the roadmap for Ethereum in terms of scalability and future upgrades?: Ethereum’s roadmap focuses on increasing transaction throughput, reducing confirmation times, and maintaining decentralization and security. After The Merge, upgrades aim to augment sharding and rollups (layer 2 solutions) to push effective throughput well beyond current levels, potentially exposing capacity targets like 100,000 transactions per second in the long term. Ongoing research targets improvements in data availability, network efficiency, and resistance to future threats (e.g., quantum computing). Practically, users and developers can expect lower fees and faster confirmations as Layer 2 ecosystems mature and base layer improvements take effect.

Ethereum ETH News

February 12, 2026Spot ETH ETFs Losses Outpace Bitcoin As Monthly Netflows Remain Negative

Bitcoin and Ether prices remain below most investors’ cost basis for their respective spot ETFs, but according to Bloomberg analysts, Ether holders are in more trouble.

February 12, 2026Bitcoin Cash holds near $500 despite broader crypto market slump: check 2026 outlook - CoinJournal

BCH price holds $500 and is above a key support level, but could tank alongside Bitcoin if BTC dumps to $50k before surging in 2026

February 12, 2026New Cardano deal opens a path to $80 billion in omnichain assets, but liquidity still isn’t guaranteed

Cardano's LayerZero integration aims to connect 160 blockchains and unlock access to $80 billion in omnichain tokens.

About Ethereum (ETH)

How to Keep Your Ethereum (ETH) Safe

How Ethereum (ETH) Works

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Compare Ethereum (ETH) Interest Rates

Ethereum (ETH) Lending Rates

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Ethereum (ETH) Staking Rewards

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Ethereum (ETH) Borrowing Rates

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ETH Lending Rates Market Summary

Average Rate

5.34% APY

Highest Rate

12% APY

YouHodler

Platforms Tracked

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 →

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	7.5% APY	4.5% APY	—	30 days	Check terms
Nebeus	Go to Platform	4.5% APY	—	—	—	Not US
YouHodler	Go to Platform	12% APY	—	—	—	Not US
AQRU	Go to Platform	3% APY	—	—	—	Check terms
Gemini	Go to Platform	0.01% APY	—	—	—	US Available

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	7.5% APY	4.5% APY	—	30 days	Check terms
YouHodler	Go to Platform	12% APY	—	—	—	Not US
AQRU	Go to Platform	3% APY	—	—	—	Check terms
Gemini	Go to Platform	0.01% APY	—	—	—	US Available
Uphold	Go to Platform	1.76% APY	—	—	—	Check terms

Platform	Action	Best Rate	LTV	Min Collateral	US Access
Nexo	Get Loan	2.9% APR	—	—	Check terms
Nebeus	Get Loan	8% APR	—	—	Not US
YouHodler	Get Loan	8% APR	—	—	Not US