Polkadot (DOT) Lending Rates Up to 16% APY

Find the best DOT lending rates and earn up to 16% APY. Compare 16 platforms side-by-side.

Last updated: January 12, 2026|Advertising disclosure

Polkadot Lending Guide

How to lend Polkadot

Crypto lending guide

Compare Polkadot (DOT) Lending Rates

Platform	Coin	Interest rate
Nexo	Polkadot (DOT)	Up to 16% APY
EarnPark	Polkadot (DOT)	Up to 0.06% APY
YouHodler	Polkadot (DOT)	Up to 16% APY
Klink	Polkadot (DOT)	Up to 12% APY
Coinbase	Polkadot (DOT)	Up to 10.22% APY
Bitget	Polkadot (DOT)	Up to 8.6% APY

Platform

Coin

Interest rate

Up to 16% APY

Up to 0.06% APY

Up to 16% APY

Up to 12% APY

Up to 10.22% APY

Up to 8.6% APY

Historical Polkadot 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.

Rate data for Nexo, YouHodler, Earnpark
Date	Nexo	YouHodler	Earnpark
2025-12-26	16.00	16.00	0.06
2025-12-27	16.00	16.00	0.06
2025-12-28	16.00	16.00	0.06
2025-12-29	16.00	16.00	0.06
2025-12-30	16.00	16.00	0.06
2025-12-31	16.00	16.00	0.06
2026-01-01	16.00	16.00	0.06
2026-01-02	16.00	16.00	0.06
2026-01-03	16.00	16.00	0.06
2026-01-04	16.00	16.00	0.06
2026-01-05	16.00	16.00	0.06
2026-01-06	16.00	16.00	0.06
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

Nexo currently offers the highest Polkadot lending rate in the United States at 16.00% APY, matching its 30-day average of 16.00%.

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

Provider	Current Rate	Trend	Average Rate
Nexo	16%	-	avg 16%
YouHodler	16%	-	avg 16%
Earnpark	0.06%	-	avg 0.06%
Best 30-day averageNexo (16% APY)

Last updated: Jan 24, 2026, 08:31 AM

Frequently Asked Questions About Polkadot (DOT) Lending

What is Polkadot (DOT) and how does it work?

Polkadot is a multi-chain framework designed to connect different blockchains into a single network. Its core idea is to enable cross-chain transfers of any type of data or asset, not just tokens. At the center is the Relay Chain, which provides shared security and consensus. Parachains are individual blockchains built on Polkadot that can have their own optimized features and governance. The Relay Chain validates and coordinates transactions across parachains, while bridges enable connections to external networks like Ethereum. This architecture aims to improve scalability, interoperability, and security for decentralized applications and networks.

How do I buy Polkadot (DOT) and what should I know before investing?

DOT can be purchased on many major exchanges using fiat or other cryptocurrencies. To start, create an account on a reputable exchange, complete identity verification, deposit funds, and place a DOT buy order. Before investing, consider DOT’s market metrics (circulating supply around 1.66 billion and a current price near $2.13), recent price movement, and your risk tolerance. Understand Polkadot’s token roles: DOT is used for governance, staking, and paying network fees. Staking DOT can earn rewards but involves lock-up periods and potential slashing risk for validators. Diversify across projects, assess the project’s roadmap (parachain auctions, governance updates), and never invest more than you can afford to lose in volatile crypto markets.

What are the key risks and how does staking DOT work?

Key risks with Polkadot include network protocol updates, validator performance, and market volatility that can impact DOT’s price. Security relies on a robust validator set and good governance, so stake responsibly. Staking DOT involves locking tokens to participate in network security and governance, typically through nominate-and-validate or through selecting validators. Stakers earn rewards proportional to their stake and the performance of chosen validators, but there’s a risk of slashing if validators misbehave or go offline. Before staking, research validator operators, check their commission, uptime history, and the total stake they oversee. Also consider the liquidity impact of staking and your liquidity needs, as you may not be able to move staked DOT quickly during market downturns.

Frequently Asked Questions About Polkadot (DOT) Lending