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  3. Tezos (XTZ)
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Tezos (XTZ) Interest Rates

Compare Tezos interest rates for lending, staking, and borrowing

$0.40
↓ 1.80%
Updated: February 12, 2026
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Frequently Asked Questions About Tezos (XTZ) Interest Rates

What is Tezos and what problem does it aim to solve?
Tezos is a blockchain platform designed for smart contracts and decentralized applications, with a focus on formal verification and on-chain governance. Unlike some platforms that require hard forks to upgrade, Tezos uses on-chain governance that allows stakeholders to propose and vote on protocol amendments. This aims to reduce disruptive upgrades, improve security, and enable continuous evolution of the network without a contentious split.
How does Tezos governance work and why is it important for long-term updates?
Tezos governance is a self-amending protocol where stakeholders—bakers (validators), developers, and token holders—can submit proposals for protocol upgrades. Proposals go through multiple voting periods, including an endorsement phase and a final on-chain vote. If a proposal passes, the protocol may implement the upgrade automatically. This process helps Tezos adapt to new technologies and community needs while maintaining network stability and security without disruptive forks.
What is XTZ, and how can I participate in Tezos staking or baking?
XTZ is Tezos’ native cryptocurrency used for staking and governance. In Tezos, staking is done through a process called baking, where bakers validate transactions and create new blocks in exchange for rewards. Users can participate by running their own baker node if they have sufficient XTZ and technical capability, or by delegating their stake to an established baker. Delegation allows holders to earn rewards without running a node themselves. Participation details, such as minimum stake and rewards rates, vary by baker and network conditions.
What are the current key metrics I should know about Tezos (XTZ)?
Important metrics include market cap, circulating supply, and price performance. As of the latest data, Tezos has a market cap around several hundred million USD and a circulating supply of about 1.08 billion XTZ. The price can be volatile, with daily changes influenced by market sentiment, network activity, and broader crypto markets. For investors, tracking on-chain activity, staking participation, and upcoming governance proposals can provide deeper insight into potential value drivers.
What distinguishes Tezos’ smart contracts and security model from other platforms?
Tezos emphasizes formal verification, a mathematical method to prove the correctness of smart contracts. This can reduce bugs and vulnerabilities in complex contracts. The platform uses a functional programming approach (OCaml-like) and a separate execution environment that supports rigorous development. Additionally, Tezos’ on-chain governance helps implement security upgrades promptly. For developers, this means potentially higher assurance for critical contracts, though it may involve a steeper learning curve compared to more beginner-friendly ecosystems.

Supported Exchanges

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Tezos XTZ News

Bitnomial Lists First US-regulated Tezos Futures
February 4, 2026Bitnomial Lists First US-regulated Tezos Futures

Bitnomial has launched futures tied to Tezos’ XTZ token, marking the first time the asset trades on a CFTC-regulated exchange in the United States.

Tezos Upgrades to Tallinn, Block Times Fall to 6 Seconds
January 25, 2026Tezos Upgrades to Tallinn, Block Times Fall to 6 Seconds

Tezos, a layer-1 proof-of-stake blockchain network, successfully completed its latest protocol upgrade, following an onchain governance decision.

3 Altcoins To Watch This Weekend | January 24 - 25
January 23, 20263 Altcoins To Watch This Weekend | January 24 - 25

These three altcoins shape weekend outlook as easing geopolitics stabilize crypto markets ahead for altcoin traders.

Compare Tezos (XTZ) Interest Rates

Tezos (XTZ) Lending Rates

See all 6 lending rates

Tezos (XTZ) Staking Rewards

See all 27 staking rewards

Tezos (XTZ) Borrowing Rates

See all 3 borrowing rates

XTZ Lending Rates Market Summary

Average Rate
6.01% APY
Highest Rate
12% APY
YouHodler
Platforms Tracked
2
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 →

PlatformActionMax RateBase RateMin DepositLockupUS Access
YouHodlerGo to Platform12% APY———Not US
GeminiGo to Platform0.01% APY———US Available
PlatformActionMax RateBase RateMin DepositLockupUS Access
YouHodlerGo to Platform12% APY———Not US
GeminiGo to Platform0.01% APY———US Available
UpholdGo to Platform2.82% APY———Check terms
Atomic WalletGo to Platform5.8% APY———Check terms
PlatformActionBest RateLTVMin CollateralUS Access
NebeusGet Loan10% APR——Not US
YouHodlerGet Loan12% APR——Not US