What is the difference between APY and APR in crypto?

APY (annual percentage yield) includes the effect of compounding — interest you earn on your interest — while APR (annual percentage rate) is the simple annual rate with no compounding. For the same headline number, APY is always equal to or higher than APR. Earning products (lending and staking) are usually quoted in APY; borrowing costs are usually quoted in APR.

What is the difference between a base rate and a max rate?

The max rate is the maximum advertised rate a platform offers — the number you usually see in marketing. It typically requires conditions such as holding the platform token, locking funds, or reaching a VIP tier. The base rate is what most users actually receive without meeting those conditions, so it is the more realistic figure for a typical deposit.

Why is the advertised crypto interest rate higher than what I earn?

Advertised "up to" rates are conditional maximums. To reach them you often have to lock funds for a fixed period, hold the platform’s native token, meet minimum deposits, or reach a loyalty tier. Without meeting those conditions you earn the base rate, which can be several percentage points lower.

Pag-unawa sa Crypto Interest Rates

Matuto ng pagkakaiba sa pagitan ng Max Rate at Base Rate upang makagawa ng informed decisions tungkol sa kung saan kikita ng interest sa iyong cryptocurrency.

Bakit Dalawang Magkaibang Rates?

Ang cryptocurrency platforms ay kadalasang nag-advertise ng attractive interest rates upang maakit ang mga users. Ngunit, ang rate na nakikita mo sa marketing materials ay karaniwang ang maximum possible rate, na maaaring magkailangan ng pagtupad sa specific conditions.

Ipinapakita namin ang parehong rates upang makita mo ang buong larawan: kung ano ang ina-advertise ng platform versus kung ano ang malamang mong kikitain sa practice.

APY vs APR: What's the Difference?

The difference comes down to compounding. APY includes it; APR does not. For the same headline number, APY is always equal to or higher than APR — so always check which one a platform is quoting before you compare.

APY (Annual Percentage Yield)

The true annual return including the effect of compounding — the interest you earn on your interest. Lending and staking earnings are usually quoted in APY. The more often interest compounds (daily, hourly, or per block in DeFi), the further APY pulls ahead of the underlying APR.

APR (Annual Percentage Rate)

The simple annual rate with no compounding factored in. Borrowing costs on crypto loans are usually shown as APR. A 10% APR earns 10% over a year with no reinvestment; a 10% APY compounding daily earns roughly 10.5%.

Both figures matter when you compare lending rates and staking rewards. Below, we explain how the base rate and max rate we show relate to these figures.

Pinakamataas na Rate vs Base Rate

Pinakamataas na Rate

Ang maximum advertised rate na inaalok ng isang platform. Ito ang rate na karaniwang makikita mo sa marketing at comparison sites.

Upang kumita ng Max Rate, maaari mong kailangang:

Maghold o mag-stake ng native token ng platform
I-lock ang funds para sa isang specific period
Matugunan ang minimum deposit thresholds
Maabot ang VIP o loyalty tiers
Tumanggap ng pagbabayad sa token ng platform

Pangunahing Rate

Ang rate na talagang natatanggap ng karamihan ng users nang hindi nakakatugon sa special requirements. Ito ang mas realistic na rate para sa typical users.

Ang Base Rate ay ang makukuha mo kapag:

Mag-deposit nang hindi nag-lock ng funds
Huwag maghold ng platform tokens
Gumamit ng default/basic tier
Makatanggap ng interes sa parehong asset

Real-World na Halimbawa

Ang isang platform ay maaaring mag-advertise ng "Hanggang 12% APY sa Bitcoin!"

Pinakamataas na Rate: 12%

Nangangailangan ng paghold ng $1,000 worth ng platform tokens + 90-day lock + VIP tier

Pangunahing Rate: 4%

Available sa lahat ng users nang walang lockup at walang token holdings

💡 Ang 8% na pagkakaiba ay maaaring makaapekto nang malaki sa iyong expected earnings, lalo na kung hindi mo gustong matugunan ang karagdagang requirements.

Kapag ang Base Rate ay Nagpapakita ng "—"

Minsan makikita mo ang dash (—) sa Base Rate column. Nangangahulugan ito na wala pa kaming detalyadong tier o rate structure data para sa platform na iyon.

Sa mga ganitong kaso, inirerekomenda namin na direktang suriin ang platform upang maunawaan ang kanilang rate requirements bago mag-deposit.

For the full picture of where these numbers come from, see how we collect and verify rate data.

Mga Tip para sa Paghahambing ng Rates

1
Tumuon sa Base Rate muna — Ito ang malamang na iyong kikitain nang walang karagdagang pagsisikap.
2
Isaalang-alang ang mga requirement — Sulit ba ang Max Rate sa pag-lock ng funds o pagbili ng platform tokens?
3
Suriin ang kaligtasan ng platform — Ang isang bahagong mas mababang rate sa isang mas ligtas na platform ay maaaring mas mahusay kaysa sa pag-uubog sa pinakamataas na yields.
4
I-verify ang rates sa platform — Ang mga rate ay madalas na nagbabago, kaya laging kumpirmahin bago mag-deposit.

Handa nang Maghambing ng Rates?

Gamitin ang aming rate comparison tables upang mahanap ang pinakamahusay na interest rates sa trusted platforms.

Ihambing ang Lending Rates

More from our methodology: how we collect rate data and the risks of crypto lending you should weigh before depositing.