Uniswap (UNI) Lending Rates

Find the best UNI lending rates and earn up to 12% APY APY. Compare 3 platforms side-by-side.

Updated: July 21, 2026

12% APY

Highest Rate

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The best Uniswap lending rate is 12% APY on YouHodler.. Other top platforms include OKX (3.65% APY) and Gemini (0.01% APY). Compare UNI lending rates across 3 platforms.

YouHodler12%OKX3.65%Gemini0.01%

Compare Uniswap (UNI) Lending Rates

Platform	Action	Max Rate	Base Rate	Min Deposit	Lockup	US Access
YouHodler	Go to Platform	12% APY	—	—	—	Check terms
OKX	Go to Platform	3.65% APY	—	—	—	Check terms
Gemini	Go to Platform	0.01% APY	—	—	—	Check terms

Rates as listed by providers on Jul 21, 2026

Historical Uniswap 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 Uniswap lending rate in the United States at 12.00% APY, matching its 30-day average of 12.00%.

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

Provider	Current Rate	Trend	Average Rate
YouHodler	12%	-	avg 12%
OKX	3.65%	-	avg 3.65%
Gemini	0.01%	-	avg 0.01%
Best 30-day averageYouHodler (12% APY)

Last updated: Jul 21, 2026, 10:50 AM

Platform Safety Information

We evaluate each platform's regulatory status, transparency, and track record.

Platform	Regulatory Status	Proof of Reserves	Track Record	Insurance
Gemini	US (NYDFS, FinCEN)	2024-12 (Big Four (SOC 2))	Has issues	Digital asset insurance
OKX	EU (MiCA Malta, VARA)	2025-01 (Hacken)	No defaults	None

How we gather this information

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Uniswap Lending Guide

How to lend Uniswap

Crypto lending guide

Frequently Asked Questions About Uniswap (UNI) Lending

What is Uniswap (UNI) and what is it used for?: Uniswap (UNI) is the native governance and utility token of the Uniswap decentralized exchange (DEX), built on Ethereum. UNI holders can participate in protocol governance, propose and vote on changes to the Uniswap V2 and V3 protocols, fee structures, and new initiatives. Beyond governance, UNI can be traded on most Ethereum-based platforms, and some users interact with UNI to access features, liquidity mining programs, or incentives offered by projects within the Uniswap ecosystem.
How does Uniswap work, and what role does UNI play in it?: Uniswap is a decentralized exchange that uses automated market maker (AMM) pools to enable token swaps without intermediaries. Liquidity providers deposit pairs of tokens into liquidity pools and earn a share of trading fees proportional to their contribution. UNI is the protocol’s governance token; holding UNI grants voting rights on proposals that affect the protocol’s future, such as fee models, governance mechanisms, and new features. Some liquidity programs or community grants may also use UNI as a governance or reward mechanism.
What is the current market status of UNI, including price and supply details?: As of the latest data, UNI trades at approximately $3.45 per token, with a 24-hour price change of about 3.05% (up or down depending on the exact moment). The circulating supply is around 633.9 million UNI, with a maximum supply cap of 1 billion tokens. Keep in mind that price, supply metrics, and market capitalization are dynamic and can vary across exchanges and data sources. Always check a reliable price feed and the official Uniswap sources for the most up-to-date figures.
Where can I buy or trade UNI, and which wallets support it?: UNI can be purchased on major Ethereum-based exchanges that list the token. To trade UNI, you’ll typically need an Ethereum wallet (such as MetaMask, Ledger, Trezor, or comparable wallets) with access to an exchange or a DEX interface. When using Uniswap’s own interface or other DEXes, you’ll connect your wallet, select UNI in the token list, and swap from your available assets. Always ensure you’re on the correct network (Ethereum mainnet) and verify gas fees before confirming a trade.
What are the key risks and considerations for holding UNI?: Holding UNI involves governance and market risk. Key considerations include: 1) Protocol risk: changes to Uniswap’s fee structure or key upgrades can impact liquidity mining and trading costs. 2) Smart contract risk: despite audits, on-chain code can have vulnerabilities. 3) Market risk: UNI’s price is influenced by overall DeFi demand, competition, and broader crypto market conditions. 4) Regulatory risk: evolving regulations could affect DeFi and token classifications. Diversify your holdings, use hardware wallets for security, and stay informed through official Uniswap channels and trusted analytics sources.

Uniswap UNI News

July 13, 2026Uniswap UNI Buybacks Burns Protocol Fee Activation Confirmed

Uniswap's fee switch is finally live, and Hayden Adams said the UNI crypto protocol is generating about $5.2 million in daily fees, now..

July 7, 2026Uniswap’s Wells Notice Response Sharpens The DeFi Industry’s Legal Counterattack

Uniswap is not just defending itself. It is defending a version of what DeFi is supposed to be. That is the real significance of its Wells Notice response, which takes aim at the SEC’s attempt to fit decentralized protoc

July 3, 2026Crypto prices stage a weekly recovery, but bears still hold the structural advantage: Crypto Markets Today

Crypto closes the week on firmer footing after weak jobs data sparked a relief rally, with UNI surging 11% on a Robinhood deal and SOL up 17% on the week.

Frequently Asked Questions About Uniswap (UNI) Lending

What is Uniswap (UNI) and what is it used for?

Uniswap (UNI) is the native governance and utility token of the Uniswap decentralized exchange (DEX), built on Ethereum. UNI holders can participate in protocol governance, propose and vote on changes to the Uniswap V2 and V3 protocols, fee structures, and new initiatives. Beyond governance, UNI can be traded on most Ethereum-based platforms, and some users interact with UNI to access features, liquidity mining programs, or incentives offered by projects within the Uniswap ecosystem.

How does Uniswap work, and what role does UNI play in it?

Uniswap is a decentralized exchange that uses automated market maker (AMM) pools to enable token swaps without intermediaries. Liquidity providers deposit pairs of tokens into liquidity pools and earn a share of trading fees proportional to their contribution. UNI is the protocol’s governance token; holding UNI grants voting rights on proposals that affect the protocol’s future, such as fee models, governance mechanisms, and new features. Some liquidity programs or community grants may also use UNI as a governance or reward mechanism.

What is the current market status of UNI, including price and supply details?

As of the latest data, UNI trades at approximately $3.45 per token, with a 24-hour price change of about 3.05% (up or down depending on the exact moment). The circulating supply is around 633.9 million UNI, with a maximum supply cap of 1 billion tokens. Keep in mind that price, supply metrics, and market capitalization are dynamic and can vary across exchanges and data sources. Always check a reliable price feed and the official Uniswap sources for the most up-to-date figures.

Where can I buy or trade UNI, and which wallets support it?

UNI can be purchased on major Ethereum-based exchanges that list the token. To trade UNI, you’ll typically need an Ethereum wallet (such as MetaMask, Ledger, Trezor, or comparable wallets) with access to an exchange or a DEX interface. When using Uniswap’s own interface or other DEXes, you’ll connect your wallet, select UNI in the token list, and swap from your available assets. Always ensure you’re on the correct network (Ethereum mainnet) and verify gas fees before confirming a trade.

What are the key risks and considerations for holding UNI?

Holding UNI involves governance and market risk. Key considerations include: 1) Protocol risk: changes to Uniswap’s fee structure or key upgrades can impact liquidity mining and trading costs. 2) Smart contract risk: despite audits, on-chain code can have vulnerabilities. 3) Market risk: UNI’s price is influenced by overall DeFi demand, competition, and broader crypto market conditions. 4) Regulatory risk: evolving regulations could affect DeFi and token classifications. Diversify your holdings, use hardware wallets for security, and stay informed through official Uniswap channels and trusted analytics sources.