Arbitrum (ARB) Lending Rates Up to 7% APY

Find the best ARB lending rates and earn up to 7% APY. Compare 11 platforms side-by-side.

Last updated: January 12, 2026|Advertising disclosure

Arbitrum Lending Guide

How to lend Arbitrum

Crypto lending guide

Compare Arbitrum (ARB) Lending Rates

Platform	Action	Max Rate	Base Rate	Min Deposit	Lockup	US Access
Nexo	Go to Platform	4% APY	—	—	—	Check terms
EarnPark	Go to Platform	7% APY	—	—	30 days	Not US
Aave	Go to Platform	0.09% APY	—	—	—	Check terms
Compound	Go to Platform	1.21% APY	—	—	—	Check terms
Klink	Go to Platform	0.4% APY	—	—	—	Check terms
Bitget	Go to Platform	0.16% APY	—	—	—	Check terms

Platform

Action

Max Rate

Base Rate

Min Deposit

Lockup

US Access

Nexo

Go to Platform

4% APY

—

Check terms

EarnPark

Go to Platform

7% APY

—

30 days

Not US

Aave

Go to Platform

0.09% APY

—

Check terms

Compound

Go to Platform

1.21% APY

—

Check terms

Klink

Go to Platform

0.4% APY

—

Check terms

Bitget

Go to Platform

0.16% APY

—

Check terms

Historical Arbitrum 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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Nexo currently offers the highest Arbitrum lending rate in the United States at 4.00% APY, matching its 30-day average of 4.00%.

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

Provider	Current Rate	Trend	Average Rate
Earnpark	7%		avg 1.82%
Nexo	4%	-	avg 4%
Aave	0.09%		avg 0%
Best 30-day averageNexo (4% APY)

Last updated: Feb 7, 2026, 01:10 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
Aave	United States (SEC)	Audited	—	—

How we gather this information

Frequently Asked Questions About Arbitrum (ARB) Lending

What is Arbitrum (ARB) and how does it work in the Ethereum ecosystem?

Arbitrum is a layer-2 scaling solution for Ethereum designed to improve transaction throughput and reduce fees while preserving security. It uses optimistic rollups to bundle multiple transactions off-chain and then submit a single proof to Ethereum. This approach significantly lowers gas costs for dApps and users while maintaining compatibility with Ethereum smart contracts, meaning most existing Solidity projects can migrate or run on Arbitrum with minimal changes. For users, this translates to faster confirmations and cheaper transactions, especially useful for DeFi, NFT minting, and microtransactions. Note that ARB is the governance and utility token within the Arbitrum ecosystem, used for voting on proposals and paying network fees on supported services within the Arbitrum network.

How can I acquire ARB and what should I know before investing?

ARB is available on many major crypto exchanges and can be traded against fiat currencies or other cryptocurrencies. Before buying, consider factors like liquidity on your chosen exchange, trading volume, and any applicable withdrawal limits. Check the current price (as of now around 0.209 USD) and the 24-hour price change to gauge recent momentum, noting that prices can be volatile. The circulating supply is approximately 5.83 billion, with a max supply of 10 billion, which influences long-term scarcity and potential price dynamics. Important risk considerations include the regulatory environment for layer-2 tokens, project development milestones, and the broader adoption of Arbitrum-based apps. Diversify your holdings, set a clear risk management plan, and only invest funds you can afford to lose.

What are the key use cases of ARB and how does staking or governance work on Arbitrum?

ARB serves as the utility and governance token within the Arbitrum ecosystem. Key use cases include paying for network fees on supported layer-2 services, participating in on-chain governance to influence protocol upgrades, and potentially earning rewards or fee-sharing through ecosystem programs. In terms of governance, ARB holders can vote on proposals that affect protocol parameters, fee structures, and treasury management, enabling community-driven development. While Arbitrum focuses on scalability and developer experience, the practical impact for users is predictable costs and improved dApp performance. If you participate in governance, ensure you understand proposal mechanics, voting thresholds, and any lock-up or snapshot requirements that may apply to specific proposals.

Frequently Asked Questions About Arbitrum (ARB) Lending