找到最高的ETH借贷利率，赚取高达21.5% APY APY。并排比较13个平台。
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The best Ethereum lending rate is 6.25% APY on Nexo.. Other top platforms include Nebeus (4.5% APY) and YouHodler (12% APY). Compare ETH lending rates across 13 platforms.
| Platform | Action | Max Rate | Base Rate | Min Deposit | Lockup | CN Access |
|---|---|---|---|---|---|---|
| Nexo | Go to Platform | 6.25% APY | 3.25% APY | — | 30 days | Check terms |
| Nebeus | Go to Platform | 4.5% APY | — | — | — | Check terms |
| YouHodler | Go to Platform | 12% APY | — | — | — | Check terms |
| Lune.fi | Go to Platform | 21.5% APY | — | — | — | Check terms |
| EarnPark | Go to Platform | 20% APY | — | — | — | Check terms |
| Morpho | Go to Platform | 12.4% APY | — | — | — | Check terms |
| OKX | Go to Platform | 7.3% APY | — | — | — | Check terms |
| Gearbox | Go to Platform | 2.82% APY | — | — | — | Check terms |
| Spark | Go to Platform | 1.93% APY | — | — | — | Check terms |
| Fluid | Go to Platform | 1.79% APY | — | — | — | Check terms |
显示的利率是我们为中国用户跟踪的主要利率；实际利率可能因产品、级别或条款而异。
Lunefi目前在中国提供最高的Ethereum借贷利率，为21.50%APY，与30天平均值21.50%持平。
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 |
| OKX | EU (MiCA Malta, VARA) | 2025-01 (Hacken) | No defaults | None |
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