Rate data for YouHodler, Nexo, Gemini
Date	YouHodler	Nexo	Gemini
2025-12-29	12.00	6.25	0.01
2025-12-30	12.00	6.25	0.01
2025-12-31	12.00	6.25	0.01
2026-01-01	12.00	6.25	0.01
2026-01-02	12.00	6.25	0.01
2026-01-03	12.00	6.25	0.01
2026-01-04	12.00	6.25	0.01
2026-01-05	12.00	6.25	0.01
2026-01-06	12.00	6.25	0.01
2026-01-07	12.00	6.25	0.01
2026-01-08	12.00	6.25	0.01
2026-01-09	12.00	6.25	0.01
2026-01-10	12.00	6.25	0.01
2026-01-11	12.00	6.25	0.01
2026-01-12	12.00	6.25	0.01
2026-01-13	12.00	6.25	0.01
2026-01-14	12.00	6.25	0.01
2026-01-15	12.00	6.25	0.01
2026-01-16	12.00	6.25	0.01
2026-01-17	12.00	6.25	0.01
2026-01-18	12.00	6.25	0.01
2026-01-19	12.00	6.25	0.01
2026-01-20	12.00	6.25	0.01
2026-01-21	12.00	6.25	0.01
2026-01-22	12.00	6.25	0.01
2026-01-23	12.00	6.25	0.01
2026-01-24	12.00	4.75	0.01
2026-01-25	12.00	4.75	0.01

YouHodler currently offers the highest PAX Gold 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%
Nexo	6.25%		avg 6.14%
Gemini	0.01%	-	avg 0.01%
Best 30-day averageYouHodler (12% APY)

Last updated: Jan 27, 2026, 06:41 PM

Frequently Asked Questions About PAX Gold (PAXG) Lending

What is PAX Gold (PAXG) and how does it work?

PAX Gold (PAXG) is a tokenized gold-backed cryptocurrency issued by Paxos. Each PAXG token is pegged to a specific troy ounce of physical gold held in insured vaults. The metal backing is audited and transparently tracked, so the token’s value tracks the price of gold. Users can buy, hold, and transfer PAXG like a digital asset, while the underlying gold provides a tangible store of value. This structure allows for fractional ownership, faster settlement, and easier international transfers compared to physical gold.

What are the main advantages of using PAXG over paying with traditional gold or fiat?

PAXG combines gold’s value with blockchain efficiency. Key benefits include: 1) Tokenized gold enables instant, borderless transfers between wallets; 2) Transparent, auditable backing with regular third-party attestations; 3) Fractional ownership lets you hold smaller, scalable positions; 4) Auditing and custody are managed by Paxos, reducing the need for physical handling; 5) Simple price exposure to gold without dealing with storage logistics or insurance. However, you should be aware of counterparty risk and regulatory considerations tied to the issuer.

How is the price of PAXG determined, and does it fully mirror the gold price?

PAXG is designed to track the spot price of gold. Its value is pegged to the market price of gold per troy ounce, adjusted for the exact amount of gold backing each token. In practice, PAXG trades close to the gold price on major exchanges, with minor deviations due to liquidity, trading fees, and market demand. The issuer provides regular attestations confirming gold holdings, which helps maintain trust. Investors should monitor the premium or discount relative to gold prices in real-time exchange data and consider liquidity when entering or exiting positions.

What is the typical use case for PAXG in a crypto portfolio?

PAXG serves as a gold exposure within a crypto portfolio, offering a bridge between traditional assets and digital assets. Typical use cases include hedging against crypto market volatility, preserving capital during downturns, and providing a store-of-value that can be easily moved across borders. It’s also useful for traders seeking faucet-like exposure to gold without handling physical bars. For long-term holders, PAXG provides a liquid, regulated way to gain gold exposure with transparent custody.

How secure is PAXG, and what custody or auditing measures exist?

PAXG is issued by Paxos, a regulated entity, with gold backing stored in insured vaults. Each token is auditable, and Paxos provides third-party attestations verifying the gold reserves backing the tokens. Security considerations include safe custody of private keys, reliable wallet infrastructure, and the integrity of the underlying smart contracts that manage the token. Regular audits and compliance with applicable financial regulations improve confidence. Investors should review the latest attestation reports and understand the custody model before allocating significant capital.

Frequently Asked Questions About PAX Gold (PAXG) Lending