Find the best GRAM lending rates and earn up to 20% APY APY. Compare 2 platforms side-by-side.
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The best Gram lending rate is 20% APY on YouHodler.. Other top platforms include OKX (3.65% APY). Compare GRAM lending rates across 2 platforms.
| Platform | Action | Max Rate | Base Rate | Min Deposit | Lockup | US Access |
|---|---|---|---|---|---|---|
| YouHodler | Go to Platform | 20% APY | — | — | — | Check terms |
| OKX | Go to Platform | 3.65% APY | — | — | — | Check terms |
Rates shown are the headline rates we track for the United States users; actual rates may vary by product, tier, or terms.
YouHodler currently offers the highest Gram lending rate in the United States at 20.00% APY, matching its 30-day average of 20.00%.
| Provider | Current Rate | Trend | Average Rate |
|---|---|---|---|
| 20% | - | avg 20% | |
| 3.65% | - | avg 3.65% | |
| 3.5% | avg 2.25% | ||
Best 30-day averageYouHodler (20% APY) | |||
We evaluate each platform's regulatory status, transparency, and track record.
| Platform | Regulatory Status | Proof of Reserves | Track Record | Insurance |
|---|---|---|---|---|
| OKX | EU (MiCA Malta, VARA) | 2025-01 (Hacken) | No defaults | None |
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