Polkadot Lending Rates: Compare Best (DOT) APY
Earn interest on Polkadot up to 16% APY. Compare rates and features on 16 platforms.
Earn interest on Polkadot up to 16% APY. Compare rates and features on 16 platforms.
| Platform | Action | Max Rate | Base Rate | Min Deposit | Lockup | FR Access |
|---|---|---|---|---|---|---|
| Nexo | Go to Platform | 16% APY | 12% APY | — | 180 days | Check terms |
| EarnPark | Go to Platform | 5,5% APY | — | — | 30 days | FR Available |
| YouHodler | Go to Platform | 16% APY | — | — | — | Not FR |
| Klink | Go to Platform | 12% APY | — | — | — | Check terms |
| Coinbase | Go to Platform | 10,22% APY | — | — | — | Check terms |
| Bitget | Go to Platform | 8,6% APY | — | — | — | Check terms |
| Blockchain.com | Go to Platform | 5% APY | — | — | — | Check terms |
| MEXC Global | Go to Platform | 5% APY | — | — | — | Check terms |
Rates shown are the headline rates we track for France users; actual rates may vary by product, tier, or terms.
| Date | YouHodler | Nexo | Earnpark |
|---|---|---|---|
| 2026-01-07 | 16.00 | 16.00 | 0.06 |
| 2026-01-08 | 16.00 | 16.00 | 0.06 |
| 2026-01-09 | 16.00 | 16.00 | 0.06 |
| 2026-01-10 | 16.00 | 16.00 | 0.06 |
| 2026-01-11 | 16.00 | 16.00 | 0.06 |
| 2026-01-12 | 16.00 | 16.00 | 0.06 |
| 2026-01-13 | 16.00 | 16.00 | 0.06 |
| 2026-01-14 | 16.00 | 16.00 | 0.06 |
| 2026-01-15 | 16.00 | 16.00 | 0.06 |
| 2026-01-16 | 16.00 | 16.00 | 0.06 |
| 2026-01-17 | 16.00 | 16.00 | 0.06 |
| 2026-01-18 | 16.00 | 16.00 | 0.06 |
| 2026-01-19 | 16.00 | 16.00 | 0.06 |
| 2026-01-20 | 16.00 | 16.00 | 0.06 |
| 2026-01-21 | 16.00 | 16.00 | 0.06 |
| 2026-01-22 | 16.00 | 16.00 | 0.06 |
| 2026-01-23 | 16.00 | 16.00 | 0.06 |
| 2026-01-24 | 16.00 | 14.00 | 0.06 |
| 2026-01-25 | 16.00 | 14.00 | 0.06 |
| 2026-01-26 | 16.00 | 14.00 | 0.06 |
| 2026-01-27 | 16.00 | 14.00 | 0.06 |
| 2026-01-28 | 16.00 | 14.00 | 0.06 |
| 2026-01-29 | 16.00 | 14.00 | 4.52 |
| 2026-01-30 | 16.00 | 14.00 | 5.50 |
| 2026-01-31 | 16.00 | 14.00 | 5.50 |
| 2026-02-01 | 16.00 | 14.00 | 5.50 |
| 2026-02-02 | 16.00 | 14.00 | 5.50 |
| 2026-02-03 | 16.00 | 14.00 | 5.50 |
YouHodler currently offers the highest Polkadot lending rate in France at 16.00% APY, matching its 30-day average of 16.00%.
| Provider | Current Rate | Trend | Average Rate |
|---|---|---|---|
| 16% | - | avg 16% | |
| 16% | avg 15,21% | ||
| 5,5% | avg 1,19% | ||
Best 30-day averageYouHodler (16% APY) | |||
We evaluate each platform on 5 factors. Higher stars = lower risk.
| Platform | Regulatory Status | Proof of Reserves | Track Record | Insurance |
|---|---|---|---|---|
| Nexo | EU (VARA Dubai, Multiple VASPs) | 2024-12 (Armanino) | Has issues | Custodial insurance |
