Litecoin (LTC) Lending Rates Up to 16% APY

Find the best LTC lending rates and earn up to 16% APY. Compare 11 platforms side-by-side.

Last updated: January 11, 2026|Advertising disclosure

Litecoin Lending Guide

How to lend Litecoin

Crypto lending guide

Compare Litecoin (LTC) Lending Rates

Platform	Action	Max Rate	Base Rate	Min Deposit	Lockup	US Access
Nexo	Go to Platform	7.75% APY	4.75% APY	—	30 days	Check terms
Nebeus	Go to Platform	4.5% APY	4.5% APY	$25	—	Not US
YouHodler	Go to Platform	16% APY	—	—	—	Not US
Gemini	Go to Platform	0.01% APY	—	—	—	US Available
Blockchain.com	Go to Platform	1% APY	—	—	—	Check terms
CEX.io	Go to Platform	1% APY	—	—	—	Check terms
Bitget	Go to Platform	0.3% APY	—	—	—	Check terms

Platform

Action

Max Rate

Base Rate

Min Deposit

Lockup

US Access

Nexo

Go to Platform

7.75% APY

4.75% APY

—

30 days

Check terms

Nebeus

Go to Platform

4.5% APY

$25

—

Not US

YouHodler

Go to Platform

16% APY

—

Not US

Gemini

Go to Platform

0.01% APY

—

US Available

Blockchain.com

Go to Platform

1% APY

—

Check terms

CEX.io

Go to Platform

1% APY

—

Check terms

Bitget

Go to Platform

0.3% APY

—

Check terms

Historical Litecoin 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 Litecoin lending rate in the United States at 16.00% APY, matching its 30-day average of 16.00%.

30-DAY AVERAGE RATESArrows compare today vs 30-day average

Provider	Current Rate	Trend	Average Rate
YouHodler	16%	-	avg 16%
Nexo	7.75%		avg 6.79%
Gemini	0.01%	-	avg 0.01%
Best 30-day averageYouHodler (16% APY)

Last updated: Feb 12, 2026, 10:40 AM

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
Gemini	US (NYDFS, FinCEN)	2024-12 (Big Four (SOC 2))	Has issues	Digital asset insurance

How we gather this information

Frequently Asked Questions About Litecoin (LTC) Lending

What is Litecoin and how does it differ from Bitcoin?

Litecoin (LTC) is a peer-to-peer cryptocurrency created as a lighter, faster alternative to Bitcoin. It uses a different hashing algorithm (Scrypt) and targets faster block generation times, with a 2.5-minute average block time compared to Bitcoin’s ~10 minutes. This means quicker transaction confirmations and a higher potential transaction throughput. Litecoin also has a larger total supply cap of 84 million coins, which is four times Bitcoin’s 21 million. While both aim to be digital currencies for everyday transactions, Litecoin focuses on speed and efficiency for everyday use while maintaining a similar decentralized, open-source design.

What is Litecoin's current status in terms of supply and price, and what should I know before investing?

Litecoin has a max supply of 84,000,000 LTC and currently circulating around 76.8 million LTC. The price fluctuates with market demand; as of now, it trades around $52, having experienced daily changes (for example, a recent 24-hour change of about -1.71%). Before investing, consider factors such as market liquidity, exchange listings, transaction fees, and the project’s development activity. LTC remains widely supported on major wallets and exchanges, which can help with ease of entry and exit. Always compare long-term trends, not just daily moves, and ensure you’re comfortable with the risk profile typical of cryptocurrencies.

How secure and decentralized is Litecoin, and what are the key technical features I should know?

Litecoin inherits a decentralized network secured by miners who validate and confirm transactions. It uses the Scrypt proof-of-work algorithm, which historically encouraged GPU mining and lowered certain barriers to entry relative to Bitcoin. Litecoin’s block time is 2.5 minutes, enabling faster confirmation times. The network uses a mature, battle-tested codebase with regular updates from the Litecoin Foundation and core developers. It also benefits from a robust ecosystem of wallets, exchanges, and merchant tools. While no blockchain is risk-free, Litecoin’s long track record, active development, and broad adoption contribute to its security and resilience.

What are the practical use cases for Litecoin today?

Litecoin is commonly used for fast, low-cost peer-to-peer payments and as a means of transferring value across borders with reduced settlement time. It’s popular for merchant acceptance, microtransactions, and as a liquidity anchor in crypto trading pairs due to its high liquidity and long-standing presence on exchanges. Investors may also use LTC as a speculative asset or as part of a diversified crypto portfolio. When sending payments, users can expect quick confirmations due to the short block time, which is a practical advantage for time-sensitive transfers.

What should I consider when storing Litecoin, and which wallets or tools are recommended?

For secure storage, consider hardware wallets (e.g., Ledger or Trezor) that support LTC, which keep private keys offline and reduce exposure to online threats. Software wallets and mobile wallets with strong security practices (biometric lock, passphrase, and backup seeds) can be convenient for everyday use. Always back up your seed phrase in a secure, offline location. When choosing a wallet, verify that it supports LTC’s address formats and is actively maintained. Also be mindful of transaction fees and network congestion, which can affect withdrawal costs and timing on different platforms.

Frequently Asked Questions About Litecoin (LTC) Lending