Find the best NEAR lending rates and earn up to 50% APY APY. Compare 12 platforms side-by-side.
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The best NEAR Protocol lending rate is 50% APY on YouHodler.. Other top platforms include EarnPark (33% APY) and Nexo (16% APY). Compare NEAR lending rates across 12 platforms.
| Platform | Action | Max Rate | Base Rate | Min Deposit | Lockup | US Access |
|---|---|---|---|---|---|---|
| YouHodler | Go to Platform | 50% APY | — | — | — | Not US |
| EarnPark | Go to Platform | 33% APY | — | — | 30 days | Check terms |
| Nexo | Go to Platform | 16% APY | — | — | 180 days | Check terms |
| AQRU | Go to Platform | 6% APY | — | — | — | Check terms |
| Aave | Go to Platform | 5.07% APY | — | — | — | Check terms |
| Syrup | Go to Platform | 4.88% APY | — | — | — | Check terms |
| Compound | Go to Platform | 3.28% APY | — | — | — | Check terms |
| Gemini | Go to Platform | 0.01% APY | — | — | — | Check terms |
| Kucoin | Go to Platform | 9.3% APY | — | — | — | Check terms |
| Coinbase | Go to Platform | 9.19% APY | — | — | — | Check terms |
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 |
| AQRU | — | — | — | general |
| Aave | United States (SEC) | Audited | — | — |
| Gemini | US (NYDFS, FinCEN) | 2024-12 (Big Four (SOC 2)) | Has issues | Digital asset insurance |
