November 2021 Crypto Interest Rate Comparison
Notes and Disclaimers
- Not financial advice
- Do your own research
- There are other factors to consider besides interest rates
- There could be errors - I am only human
- Notes on Rates
- US Rates
- Base Rates & First Tier
- Platforms have other differentiating factors such as minimums, payout periods,
and APY vs APR (most are APY and Voyager is APR).
More details: Notes and Disclaimers Page
I get the rates from out of each app itself, when possible. This is one reason I use US rates, as I cannot verify rates outside of the US, and sometimes the rates listed on websites can be misleading.
Some platforms have tiers and some have bonuses - I list the rates here to reflect what your first dollar, erm, coin, would get without any additional factors.
Notable Changes
A rise in stable coin interest rates! That is almost the only notable thing.
Not much in the way of additions and removals. Only two:
- Nexo added Avalanche (AVAX) with 12% Base Rate (Which can get up to 17% with bonuses)
- Voyager removed interst from Bitcoin SV (BSV). Still present on app but no longer showing that it earns interest.
November 2021 Crypto Interest Rates
Here are the current interest rates, as of November 21st 2021, for Celsius, Voyager, BlockFi, Nexo, and Gemini.
Note: The "Highest" column is there simply for sorting purposes.
Color indicators:
- The highest interest rate for each coin is dash-outlined in green
- Cells with a green background went up from last month
- Cells with red background went down from last month
- Hover over any of the cells with a price change to see last month's rate
Sort By:
Crypto
| Token | Ticker | Celsius | Voyager | BlockFi | Nexo | Gemini | Highest |
|---|---|---|---|---|---|---|---|
| Sythetix Network Token | SNX | 13.99% | 1.77% | 13.99% | |||
| Polkadot | DOT | 8.86% | 12% | 12% | 12% | ||
| Avalanche | AVAX | 12% | 12% | ||||
| Matic Network | MATIC | 8.99% | 5.25% | 1.51% | 8.99% | ||
| Pax Dollar | USDP | 8% | 8% | ||||
| TerraUSD | UST | ↑7.99% Previously: 6.88%
|
7.99% | ||||
| Filecoin | FIL | 2% | 7% | 7% | |||
| Nexo | NEXO | 7% | 7% | ||||
| Voyager Token | VGX | 7% | 7% | ||||
| The Graph | GRT | 2% | 6.43% | 6.43% | |||
| Alchemix | ALCX | 6.2% | 6.2% | ||||
| Bitcoin | BTC | 6.2% | 5.75% | 4.5% | 4% | 1.49% | 6.2% |
| Bancor | BNT | 5.5% | 5.5% | ||||
| PAX Gold | PAXG | 5.5% | 3.25% | 4% | 1.81% | 5.5% | |
| Ethereum | ETH | 5.35% | 4.6% | 5% | 4% | 2.05% | 5.35% |
| Aave | AAVE | 4.86% | 3% | 3.05% | 4.86% | ||
| Celsius | CEL | 4.86% | 4.86% | ||||
| Litecoin | LTC | ↓3.25% Previously: 4.08%
|
↓4.5% Previously: 5%
|
4.75% | 4% | 2.77% | 4.75% |
| Compound | COMP | 4.6% | 3% | 2.47% | 4.6% | ||
| Dash | DASH | 4.6% | 3% | 4.6% | |||
| Terra | LUNA | 4% | 4.52% | 4.52% | |||
| Bitcoin Cash | BCH | 4.51% | 2% | 4% | 4.29% | 4.51% | |
| Cardano | ADA | 4.06% | ↓4.5% Previously: 5%
|
4% | 4.5% | ||
| EOS | EOS | 4.45% | ↓1.5% Previously: 2%
|
4% | 4.45% | ||
| 1inch | 1INCH | 4.13% | 3.51% | 4.13% | |||
| Sushi | SUSHI | 4.13% | 3.1% | 4.13% | |||
| Axie Infinity | AXS | 4.04% | 4.04% | ||||
| Binance Coin | BNB | 4% | 4% | ||||
| Chainlink | LINK | 3% | 3.5% | 3.5% | 4% | 1.35% | 4% |
| Solana | SOL | 4% | 4% | ||||
| Tron | TRX | 4% | 4% | ||||
| Stellar | XLM | 1% | 1% | 4% | 4% | ||
| XRP | XRP | 4% | 4% | ||||
| Dogecoin | DOGE | 2% | 3.78% | 3.78% | |||
| Basic Attention Token | BAT | 1% | 1% | 3.25% | 3.49% | 3.49% | |
| Yearn.finance | YFI | 3.29% | 3.29% | ||||
| Uniswap | UNI | 2.5% | 2% | 3.25% | 3.01% | 3.25% | |
| Cosmos | ATOM | 3% | 3% | ||||
| Celo | CELO | 3% | 3% | ||||
| Ethereum Classic | ETC | 3% | 1.5% | 3% | |||
| Orchid | OXT | 1.5% | 2.47% | 2.47% | |||
| Ankr Network | ANKR | 2.25% | 2.25% | ||||
| Fantom | FTM | 2.25% | 2.25% | ||||
| Mirror Protocol | MIR | 2.25% | 2.25% | ||||
| Maker | MKR | 2.25% | 2.25% | ||||
| Tezos | XTZ | 2% | 2.05% | 2.05% | |||
| Bitcoin SV | BSV | 2.02% | 2.02% | ||||
| Zcash | ZEC | 2.02% | 1% | 1.35% | 2.02% | ||
| Decentraland | MANA | 0.5% | 2% | 1.8% | 2% | ||
| Shiba Inu | SHIB | 2% | 2% | ||||
| StormX | STMX | 2% | 2% | ||||
| Uma | UMA | 1% | 2% | 1.77% | 2% | ||
| Ox | ZRX | 1.77% | 2% | 1.81% | 2% | ||
| AMP | AMP | 1.78% | 1.78% | ||||
| Curve | CRV | 1.77% | 1.77% | ||||
| Kyber Network | KNC | 0.5% | 1% | 1.77% | 1.77% | ||
| Ren | REN | 1.77% | 1.77% | ||||
| Storj | STORJ | 1.77% | 1.77% | ||||
| Balancer | BAL | 1.54% | 1.54% | ||||
| Injective Protocol | INJ | 1.51% | 1.51% | ||||
| Livepeer | LPT | 1.51% | 1.51% | ||||
| OMG Network | OMG | 0.5% | 1% | 1% |
StableCoins
| Token | Ticker | Celsius | Voyager | BlockFi | Nexo | Gemini | Highest |
|---|---|---|---|---|---|---|---|
| Binance USD | BUSD | ↑10.02% Previously: 8.88%
|
↑9% Previously: 8.25%
|
10.02% | |||
| Gemini Dollar | GUSD | ↑10.02% Previously: 8.88%
|
↑9% Previously: 8.25%
|
8.05% | 10.02% | ||
| Paxos Standard | PAX | ↑10.02% Previously: 8.88%
|
↑9% Previously: 8.25%
|
10.02% | |||
| TrueAUD | TAUD | ↑10.02% Previously: 8.88%
|
10.02% | ||||
| TrueCAD | TCAD | ↑10.02% Previously: 8.88%
|
10.02% | ||||
| TrueGBP | TGBP | ↑10.02% Previously: 8.88%
|
10.02% | ||||
| TrueHKD | THKD | ↑10.02% Previously: 8.88%
|
10.02% | ||||
| TrueUSD | TUSD | ↑10.02% Previously: 8.88%
|
8% | 10.02% | |||
| USD Coin | USDC | ↑10.02% Previously: 8.88%
|
9% | ↑9% Previously: 8.25%
|
8% | 10.02% | |
| Tether | USDT | ↑10.02% Previously: 8.88%
|
↑9.5% Previously: 8.25%
|
8% | 10.02% | ||
| Z.com USD | ZUSD | ↑10.02% Previously: 8.88%
|
10.02% | ||||
| Dai | DAI | 4.6% | ↑9% Previously: 8.25%
|
8% | ↑7.99% Previously: 7.55%
|
9% |
Possible Changes
I am considering removing BlockFi and Nexo from the table in upcoming months.
Nexo seems pretty consistent with 4% base rate on crypto and 8% base rate on stable coin. Though it has a few outliers it seems a bit easy to memorize, whereas the other platforms I do check back to the table as I can't remember which has what rate.
Also, I have already made the decision not to add Crypto.com to the table. I'm not a fan, for a few reasons I won't go into, but one is the focus on their own token to boost rates. Nexo does the same thing so I guess I'm not a big fan of Nexo either.
BlockFi has all sorts of issues - so many that I haven't even been keeping up with them, haha.
Another aspect is that, in my opinion, the UI/UX of both BlockFi and Nexo are pretty bad. BlockFi you can't even find the interst rates in the app. Nexo you can get to but takes about 3 screens to get to each. So they both aren't a joy to keep track of.
Feel free to hit me up on any socials if you have any thoughts on this.
Earn Interest on Crypto
Referral Links
I don't have any ads or gain anything from traffic to my blog so I thought I'd throw my referral links at the end of my crypto blog posts. Some of the links above to the platforms are referral links as well.
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