Crypto "Savings Accounts". -comparing APYs. Yield, Celsius, Nexo, Voyager, YouHolder, Crypto.com and more...
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Crypto "Savings Accounts". -comparing APYs. Yield, Celsius, Nexo, Voyager, YouHolder, Crypto.com and more...

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This is the order in which I keep my savings by the amount in CEFI accounts:

  1. Yield.app (YLD #505), most of my holdings are in ETH and BTC - and Yield has some of the best rates if you hold 20,000 YLD tokens. Furthermore, you can earn a lot of YLD in the bear market in ADDITION to the high yield. I believe in addition of the high yield, it is a sleeping giant.
  2. Celsius (CEL #70), gives me great APYs weekly, including TAUD (Australian stablecoin). CEL has been growing steadily.
  3. Nexo (NEXO #83), is very good too, really feels like an online banking account, and it seems to have a functional credit card, and attractive APY on Euros.
  4. Binance DEFI Locked Staking: https://www.binance.com/en/lending
  5. YouHodler: https://www.youhodler.com/earn-crypto
  6. Blockfi (CHSB #107): https://blockfi.com/rates/
  7. Swissborg: https://swissborg.com/smart-yield-account
  8. CoinLoan: https://coinloan.io/
  9. Voyager: https://rewards.investvoyager.com/interest/
  10. Gemini Earn: https://www.gemini.com/earn
  11. Matrixport: https://www.matrixport.com/earn-interest-on-crypto
  12. Ledn: https://ledn.io/en/btc-savings/

As a Hong Kong taxpayer, Crypto.com, and Voyager.app are not available to me.

In the table, I've indicated stablecoin with "_" and CEFI Tocken with a "*" and their ranking at the date of publication, July 18, 2021.

I excluded some stablecoins, meme coins, scam coins, and shit coins for conciseness and to help people getting rekt. Let me know if I have missed an outstanding CEFI service, I'd be happy to add the data to this table :)

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Crypto Saving Accounts APY Comparison Table

CryptoTickerYield.app [Jul 18]Celsius [Jul 18]nexo [Jul 18]CoinLoan (Aug 15)Voyager [Jul 18]YouHodler [Jul 18]Gemini (Aug 15)BlockfiSwissborg [Jul 18]Binance [Jul 18]Crypto.com [jul 18]MatrixportLedn (Aug 15)Ascendex [Jul 18]
_ Bitcoin
BTC
12
6.2
8
7.2
5.75
4.8
1.65
4
4.46
3
6.1
_ Ethereum
ETH
17.5
5.83
8
7.2
4.6
5.5
2.05
4
4.84
8.5
3
_ USDC, USDT
USDC
20
8.88
12
12.3
9
12
7.4
7.5
9.33
14
6
8.5
* Yield App [#441]
YLD
10
* Celsius Coin [$42]
CEL
4.86
* Nexo Token [#82]
NEXO
12
* SwissBorg Token
CHSB
9.19
* Voyager Token
VGX
7
* Crypto.com Coin
CRO
6
* Binance Coin
BNB
7.76
8
3
7.88
7.72
5
_ Pax Gold
PAXG
6.35
8
7.2
8.2
1.81
2
5
_ EURS (Euro)
EURS
12
12.3
12
_ True HKD (HK)
THKD
10.27
_ True GBP (UK)
TGBP
10.27
12.3
14
_ True AUD (AUS)
TAUD
10.27
14
_ True CAN (CAN)
TCAN
10.27
14
Polka Dot
DOT
10.26
8
12
11.51
14.5
9.2
Cardano
ADA
8
5.25
6
5
Polygon
MATIC
12.7
5.25
1.51
11.34
14
Chainlink
LINK
3.46
8
7.2
4.5
6.2
3.19
3
5
Aave
AAVE
6.83
3
1.51
Uniswap
UNI
2.88
2
7
3.59
3.75
5
1.5
Compound
COMP
5.31
4
2.5
2.47
5
XRP
XRP
0
8
7.2
4.5
2.25
4.33
Basic Attention Token
BAT
3.51
1
3
3.49
3.65
5
Balancer
BAL
1.54
0x
ZRX
3.51
4.5
1.81
Yearn Finance
YFI
4.5
3.29
2.49
Bitcoin Cash
BCH
4.51
7.2
2
5.5
4.29
5
LiteCoin
LTC
4.08
7.2
5.5
5.5
2.77
4.5
5
Synthetic
SNX
13.99
6
1.77
Sushi Swap
SUSHI
7
3.1
6.7
Dai
DAI
4.6
12
12.3
12
7.4
8.5
14
Kyber Network
KNC
2.53
1
1.77
9.49
Decantraland
MANA
2.02
2
1.8
5
Uma
UMA
4.51
2.25
1.77
Filecoin
FIL
2
5.5
Tezos
XTZ
2.05
6.74
3.27
1Inch
1INCH
7.4
AMP
AMP
1.78
Storj
STORJ
1.77
Curve
CRV
1.77
2.51
Fantom
FTM
2.25
Ankr
ANKR
2.25
Ren
REN
1.77
The Graph
GRT
2
6.42
Injective Protocol
INJ
1.51
33.12
ZCash
ZEC
2
1.35
Mirror
MIR
2.25
11.85
Livepeer
LPT
1.51
Alchemix
ALCX
2.25
Maker
MKR
2.5
5
Bancor
BNT
5.5
3
5
OMG Network
OMG
2.02
1
3
Huobi Token
HT
3
Stellar Lumens
XLM
3.1
8
7.2
1
4.5
5
Bitcoin Satoshi Vision
BSV
2.02
3
4.5
Eos
EOS
4.45
8
2
5
4.22
5
Tron Network
TRX
8
4.31
Dash
DASH
4.6
3
5.5
7.39
Ethereum Classic
ETC
3
1.5
0x
0x
4.05
2
ZEC
2.02
Solana
SOL
9.2
Internet Protocol
ICP
Theta
Theta
VeChain
VET
3.47
5
C Dai
CDAI
Monero
XRM
7.2
Cosmos
ATOM
3
9.47
5
5.91
Cake
CAKE
31.25
Algorand
ALGO
7.91
5
OKB
FTT
LEO
Terra
LUNA
Klay (Kakao)
KLAY
6.54
NEO
NEO
5.79
Avalanche Network
AVAX
7.91
MIOTA
HBAR
GRT
Kusama (Dot)
KSM
14.79
DCR
Elrond Network
EGLD
5
TFUEL
BTT
Waves
WAVES
4.74
XEM
CHZ
HBTC
RUNE
Enjin Coin
ENJ
5
STX
AXS
CLOUT
HNT
XDC
QNT
HOT
PAX
KCS
MDX
25.43
Near
NEAR
10.79
FLOW
ZIL
TEL
Harmony
ONE
8.52
6.44
BTG
TITAN
OMI
Quantum
QTUM
2.79
ZEN
XSUSHI
ONT
5.21
DGB
RVN
SC
NXM
NANO
Icon
ICX
10.49
5
BCHA
GT
VOX
IOST
7.64
WRX
LSK
UOS
AR
OHM
DAG
1 Inch
1INCH
4.34
PERP
Sand Protocol
SAND
12.36
FEI
BCD
Bake
BAKE
8.5
LPT
6.23
HBC
PUNDIX
XVG
NPXS
Celo
CELO
3
TON
GLM
Kava
KAVA
8.97
19.89
OXY
Tezos
XTZ
2
5
Orchid
OXT
1.5
ETH 2.0 Staking
ETH2.0
Celer Network
CELR
11.21
5
Shiba Inu
SHIB
5
GRT
13.56
Dodo
DODO
21.32
Bifi FInance
BIFI
18.36
TKO
11.79
EZ
15.34
TVK
9.26
Ramp
RAMP
9.26
Auction
AUCTION
25.65
Oasis Protocol
ROSE
14.12
Vite
VITE
13.47
IOTX
4.32
OGN
7.49
IRIS
12.82
Lto
LTO
7
1.54
Band
BAND
13.79
9.01
Tomo
Tomo
9.49
Firo
FIRO
5.78
Cos
COS
19.34
Arpa
ARPA
7.49
OAX
OAX
6
Lisk
LSK
1.49
One Ledger
OLT
14
PolkaLokr
LKR
100
XCAD Network
XCAD
30
AscendEX Native Token
ASD
6.99
Akash Network
AKT
36.65
Stafi
FIS
17.89
xDai
STAKE
7.64
Orion Protocol
ORN
10
Serum
SRM
4
Autonio
NIOX
12
Splyt Core
SHOPX
50
Zignaly
ZIG
70
Mantra DAO
OM
25.77
Oin Finance
OIN
29.33
Umbrella Network
UMB
90.65
Rfuel
RFUEL
20
EasyFi
EZ
25
Bonfida
FIDA
4

Update 2021/12/15

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  1. Yield.app
  2. Nexo
  3. Celsius
  4. Swissborg
  5. Voyager
  6. BlockFi

Update 2021/08/21

My ranking

  1. Yield.app assuming you have 20,000 YLD in your YLD wallet. https://www.yield.app/ - super high APY as they are launching
  2. Celsius, earning in CEL token with >25% CEL: https://celsius.network/earn-rewards-on-your-crypto - Impressive APY given the maturity of the project. You can
  3. Nexo, earning in Nexo token: https://nexo.io/earn-crypto - great for European folks, and highest APY holding Nexo Token
  4. YouHodler: https://www.youhodler.com/earn-crypto - pretty good!
  5. Swissborg: https://swissborg.com/smart-yield-account - for Swiss folks, with affordable on-ramp.
  6. MatrixPort: https://www.matrixport.com/crypto-invest : more complex products
  7. Blockfi, Tier 1 (0 - 0.25 BTC | 0 - 5 ETH | 0 - 100 LTC | 0 - 750 LINK | 0 - 50,000 USDC | 0 - 50,000 PAX | 0 - 50,000 DAI | 0 - 750 UNI | 0 - 25,000 BAT): https://blockfi.com/rates/ - used to be competitive, but APYs are no longer competitive frankly. I dislike how fast it is to on-ramp (2 days), but how slow it is to withdraw (1 week to whitelist, 2 days to withdraw)
  8. Voyager: https://rewards.investvoyager.com/interest/ - Less charismatic, but excellent APY and a big list of crypto
  9. Crypto.com: CRO Staked 40,000 USD or more, staked for 3 months or more: https://crypto.com/earn : I cannot use this in HK.

I've also added some exchanges that runs locked staking that are pretty competitive.

  1. Binance Locked Staking: https://www.binance.com/en/pos
  2. AscendEX: https://ascendex.com/en/staking

There must be lots of others.

I have some referral codes so you can earn some bonuses:

💡

Join Celsius Network using my referral code 1199234313 when signing up and earn $40 in BTC with your first transfer of $400 or more! #UnbankYourself https://celsiusnetwork.app.link/1199234313

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Join Nexo using my referral and get $10 worth of BTC. https://nexo.io/ref/vxrbdbfibt?src=web-link

I did not add the services of Liquidity Providing, because that's a whole different level of risk that people looking for a high APY "Crypto Savings Account" may not be interested in.

Another way to earn great APY is to lend (with Kucoin for instance : https://www.kucoin.com/margin/lend)

Of course, each individual project would enable you to either stake yourself, or delegate your stake

  1. Aave 6.85%, BPT 15.75% APY [Jul 18]: https://app.aave.com/staking
  2. RUNE 22.29% APY [Jul 18]: https://www.stakingrewards.com/earn/thorchain
  3. Terra: https://www.terra.money/#8
  4. If you are ready to venture in DEFI (Decentralised Finance), it's a huge world out there! Check out: https://www.stakingrewards.com/

There are so many ways to earn in crypto...