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By coin

BTC deposit rates

45 BTC Earn products on centralized exchanges and DeFi. “@10k” is what you actually earn on a 10,000 USD deposit, after rate tiers and caps.

Showing every exchange and DeFi protocol, not filtered by any country’s rules. Pick the country you live in under “I am in” at the top to hide platforms not allowed to operate there and see each platform’s legal status.

Risk of BTC itself

A· Lower risk · meets 4/4 criteriaFull profile →

The oldest and largest digital asset, with no organisation controlling supply. Only two serious consensus incidents, in 2010 and 2013.

Interest is paid in BTC: if the BTC price falls, the USD value of both your deposit and your interest falls. In about 2 months out of 3, BTC moves within ±11%, it fell 53% from its peak at one point in the last 12 months, down 23% from a year ago. These swings are usually far larger than a year of interest. The coin’s risk tier does not include price risk.

Market data as of 27/09/2026 (daily close on OKX), not part of the risk tier.

This is the risk of the coin. The risk of each exchange or protocol taking the deposit is shown on each product below.

Best for a 10k USD deposit
3.11%
Gate · Staking · GTBTC
Highest rate (first tier)
8.00%
MEXC · Flexible Savings
Highest base rate (large amounts)
2.67%
Gate · Staking · GTBTC

Best rate history by platform

Only products anyone can use (no new-user or VIP offers). End-of-day values, Vietnam time.

FlexibleFixed termStaking
30 days90 days365 days

Current BTC promos

Very high rates with conditions: new users only, first deposit, VIP or a short window, and usually only for a small amount. Not counted in the ranking above.

BTCMEXC · 1 days600.00%
Maximum promo interest ≈ $6.96 for the whole 1-day termbecause it only applies to the first 0.005 BTC (≈ $423)
Fixed Savings 1d
First deposit
Max 0.005 BTC
BTCHTX · 7 days100.00%
Fixed 7d
New users only
BTCGate · Staking5.17%
Maximum promo interest ≈ $44 per yearbecause it only applies to the first 0.01 BTC (≈ $847)
Staking · GTBTC
Token rewardsLimited-time promo
First 0.01 BTC only · Max 500 BTC · 94 days left
BTCOKX · Flexible5.00%
Simple Earn Flexible
New users only
BTCNexo · 30 days3.70%
Fixed-term Savings 30d (Platinum tier: ≥10% of portfolio in NEXO)
VIP required
First 53 BTC only
BTCKuCoin · 7 days3.00%
Maximum promo interest ≈ $49 for the whole 7-day termbecause it only applies to the first 1 BTC (≈ $84,687)
Simple Earn Fixed 7d
New users only
Max 1 BTC

All BTC products

Click a column heading to sort. Click a product name to see its rate tiers, caps and withdrawal time.

45/45 products · How risk tiers work
Conditions & limits
MEXC
Fixed Savings 1d

One rate for any amount.

  • Minimum: 0.00155 BTC
  • Max per user: 0.005 BTC
  • Rate basis: APR
1 days
CEX · custodial
C· Higher risk
CoinA· Lower riskPlatformC· Higher risk
600.00%600.00%250.56%25.06%2.51%First deposit
Locked 1 days
Max 0.005 BTC (≈ $423) per user
Nexo
Fixed-term Savings 30d (Platinum tier: ≥10% of portfolio in NEXO)
Amount (BTC)Rate / year
0 – 533.70%
53 – ∞2.60%
  • Minimum: 0.067 BTC
  • Rate basis: APR
30 days
CEX · custodial
B· Medium risk
CoinA· Lower riskPlatformB· Medium risk
3.70%2.60%–3.70%3.70%VIP required
Locked 30 days
High rate only for the first 53 BTC
Gate
Staking · GTBTC
Amount (BTC)Rate / year
0 – 0.015.17%
0.01 – 502.92%
50 – ∞2.77%
  • Minimum: 0.001 BTC
  • Max per user: 500 BTC
  • Withdrawal time: ~3 days
  • Rate basis: APR
Staking
CEX · custodial
B· Medium risk
CoinA· Lower riskPlatformB· Medium risk
5.17%2.67%4.80%3.11%2.94%Token rewardsLimited-time promo
Withdrawal takes about 3 days (T+3)
Not confirmed whether the rate is before or after the platform’s fee
94 days left
High rate only for the first 0.01 BTC
KuCoin
Simple Earn Fixed 7d

One rate for any amount.

  • Minimum: 0.001 BTC
  • Max per user: 1 BTC
  • Rate basis: APR
7 days
CEX · custodial
B· Medium risk
CoinA· Lower riskPlatformB· Medium risk
3.00%3.00%3.00%3.00%2.54%New users only
Locked 7 days
Max 1 BTC (≈ $84,687) per user
Nexo
Flexible Savings (Platinum tier: ≥10% of portfolio in NEXO)
Amount (BTC)Rate / year
0 – 532.70%
53 – ∞1.60%
  • Minimum: 0.067 BTC
  • Rate basis: APR
Flexible
CEX · custodial
B· Medium risk
CoinA· Lower riskPlatformB· Medium risk
2.70%1.60%–2.70%2.70%VIP required
Withdrawal time: not published by the platform
High rate only for the first 53 BTC
Bybit
On-Chain Earn 45d

One rate for any amount.

  • Minimum: 0.1 BTC
  • Max per user: 200 BTC
  • Withdrawal time: ~45 days
  • Rate basis: APR
45 days
CEX · custodial
B· Medium risk
CoinA· Lower riskPlatformB· Medium risk
1.20%1.20%–1.20%1.20%
Locked 45 days
Crypto.com
Crypto Earn Fixed 90d (Level Up Pro)
Amount (BTC)Rate / year
0 – 0.041.50%
0.04 – 0.40.75%
0.4 – ∞0.22%
  • Rate basis: APR
90 days
CEX · custodial
C· Higher risk
CoinA· Lower riskPlatformC· Higher risk
1.50%0.22%1.50%1.00%0.43%VIP required
Locked 90 days
High rate only for the first 0.04 BTC
Kraken
DeFi Earn · Advanced Strategies BTC

One rate for any amount.

  • Minimum: 0.00006 BTC
  • Withdrawal time: ~3 days
  • TVL: $560M · ethereum
  • Rate basis: APR (the source publishes APY, converted to the APR equivalent with daily compounding)
Flexible
DeFi · smart contract
B· Medium risk
CoinA· Lower riskPlatformB· Medium risk
0.96%0.96%0.96%0.96%0.96%
Withdrawal takes about 3 days (T+3)
MEXC
Flexible Savings
Amount (BTC)Rate / year
0 – 0.018.00%
0.01 – 0.030.40%
0.03 – ∞0.15%
  • Minimum: 0.005 BTC
  • Max per user: 100 BTC
  • Rate basis: APR
Flexible
CEX · custodial
C· Higher risk
CoinA· Lower riskPlatformC· Higher risk
8.00%0.15%6.75%0.85%0.22%
Withdrawal time: not published by the platform
High rate only for the first 0.01 BTC
Crypto.com
Crypto Earn Fixed 90d (Level Up Plus)
Amount (BTC)Rate / year
0 – 0.041.00%
0.04 – 0.40.50%
0.4 – ∞0.15%
  • Rate basis: APR
90 days
CEX · custodial
C· Higher risk
CoinA· Lower riskPlatformC· Higher risk
1.00%0.15%1.00%0.67%0.29%VIP required
Locked 90 days
High rate only for the first 0.04 BTC
Crypto.com
Crypto Earn Fixed 30d (Level Up Pro)
Amount (BTC)Rate / year
0 – 0.041.00%
0.04 – 0.40.50%
0.4 – ∞0.15%
  • Rate basis: APR
30 days
CEX · custodial
C· Higher risk
CoinA· Lower riskPlatformC· Higher risk
1.00%0.15%1.00%0.67%0.29%VIP required
Locked 30 days
High rate only for the first 0.04 BTC
HTX
Flexible Savings
Amount (BTC)Rate / year
0 – 0.023.00%
0.02 – ∞0.06%
  • Rate basis: APR
Flexible
CEX · custodial
C· Higher risk
CoinA· Lower riskPlatformC· Higher risk
3.00%0.06%3.00%0.55%0.11%
Withdrawal time: not published by the platform
High rate only for the first 0.02 BTC
OKX
Simple Earn Flexible (market rate)

One rate for any amount.

  • Rate basis: APR
Flexible
CEX · custodial
B· Medium risk
CoinA· Lower riskPlatformB· Medium risk
0.50%0.50%0.50%0.50%0.50%
Withdrawal time: not published by the platform
KuCoin
Simple Earn Fixed 365d

One rate for any amount.

  • Minimum: 0.005 BTC
  • Max per user: 45 BTC
  • Rate basis: APR
365 days
CEX · custodial
B· Medium risk
CoinA· Lower riskPlatformB· Medium risk
0.50%0.50%0.50%0.50%0.50%
Locked 365 days
Crypto.com
Crypto Earn Fixed 30d (Level Up Plus)
Amount (BTC)Rate / year
0 – 0.040.50%
0.04 – 0.40.25%
0.4 – ∞0.07%
  • Rate basis: APR
30 days
CEX · custodial
C· Higher risk
CoinA· Lower riskPlatformC· Higher risk
0.50%0.07%0.50%0.34%0.14%VIP required
Locked 30 days
High rate only for the first 0.04 BTC
KuCoin
Simple Earn Fixed 60d

One rate for any amount.

  • Minimum: 0.005 BTC
  • Max per user: 50 BTC
  • Rate basis: APR
60 days
CEX · custodial
B· Medium risk
CoinA· Lower riskPlatformB· Medium risk
0.30%0.30%0.30%0.30%0.30%
Locked 60 days
Crypto.com
Crypto Earn Flexible (Level Up Plus)

One rate for any amount.

  • Rate basis: APR
Flexible
CEX · custodial
C· Higher risk
CoinA· Lower riskPlatformC· Higher risk
0.25%0.25%0.25%0.25%0.25%VIP required
Withdrawal time: not published by the platform
Crypto.com
Crypto Earn Flexible (Level Up Pro)

One rate for any amount.

  • Rate basis: APR
Flexible
CEX · custodial
C· Higher risk
CoinA· Lower riskPlatformC· Higher risk
0.25%0.25%0.25%0.25%0.25%VIP required
Withdrawal time: not published by the platform
Bitget
Savings Fixed 7d · VIP

One rate for any amount.

  • Max per user: 100 BTC
  • Rate basis: APR
7 days
CEX · custodial
B· Medium risk
CoinA· Lower riskPlatformB· Medium risk
0.20%0.20%0.20%0.20%0.20%VIP required
Locked 7 days
KuCoin
Simple Earn Fixed 30d

One rate for any amount.

  • Minimum: 0.005 BTC
  • Max per user: 50 BTC
  • Rate basis: APR
30 days
CEX · custodial
B· Medium risk
CoinA· Lower riskPlatformB· Medium risk
0.20%0.20%0.20%0.20%0.20%
Locked 30 days
Venus
Venus · BSC (BTCB)

One rate for any amount.

  • TVL: $375M · BSC
  • Rate basis: APR (the source publishes APY, converted to the APR equivalent with daily compounding)
Flexible
DeFi · smart contract
C· Higher risk
CoinA· Lower riskPlatformC· Higher risk
0.18%0.18%0.18%0.18%0.18%
Withdraw any time if the pool has enough liquidity
Bitget
Savings Flexible
Amount (BTC)Rate / year
0 – 0.0031.88%
0.003 – ∞0.12%
  • Max per user: 100 BTC
  • Rate basis: APR
Flexible
CEX · custodial
B· Medium risk
CoinA· Lower riskPlatformB· Medium risk
1.88%0.12%0.56%0.16%0.12%
Withdrawal time: not published by the platform
High rate only for the first 0.003 BTC
Bitget
Savings Flexible · VIP

One rate for any amount.

  • Max per user: 200 BTC
  • Rate basis: APR
Flexible
CEX · custodial
B· Medium risk
CoinA· Lower riskPlatformB· Medium risk
0.15%0.15%0.15%0.15%0.15%VIP required
Withdrawal time: not published by the platform
Kraken
Opt-in Rewards Bonded 30d

One rate for any amount.

  • Withdrawal time: ~30 days
  • Rate basis: APR
Staking
CEX · custodial
B· Medium risk
CoinA· Lower riskPlatformB· Medium risk
0.15%0.15%0.15%0.15%0.15%
Withdrawal takes about 30 days (T+30)
Not confirmed whether the rate is before or after the platform’s fee
Bybit
Flexible Savings
Amount (BTC)Rate / year
0 – 0.0030.40%
0.003 – ∞0.10%
  • Minimum: 0.002 BTC
  • Max per user: 1.5k BTC
  • Rate basis: APR
Flexible
CEX · custodial
B· Medium risk
CoinA· Lower riskPlatformB· Medium risk
0.40%0.10%0.18%0.11%0.10%Limited quota
Withdrawal time: not published by the platform
High rate only for the first 0.003 BTC
Gate
Simple Earn Flexible

One rate for any amount.

  • Minimum: 0.00001 BTC
  • Rate basis: APR
Flexible
CEX · custodial
B· Medium risk
CoinA· Lower riskPlatformB· Medium risk
0.10%0.10%0.10%0.10%0.10%
Withdrawal time: not published by the platform
Kraken
Opt-in Rewards Flexible

One rate for any amount.

  • Rate basis: APR
Flexible
CEX · custodial
B· Medium risk
CoinA· Lower riskPlatformB· Medium risk
0.10%0.10%0.10%0.10%0.10%
Withdrawal time: not published by the platform
Gate
Fixed Term 30d

One rate for any amount.

  • Rate basis: APR
30 days
CEX · custodial
B· Medium risk
CoinA· Lower riskPlatformB· Medium risk
0.09%0.09%0.09%0.09%0.09%
Locked 30 days
Fluid
Fluid · Ethereum (WBTC)

One rate for any amount.

  • TVL: $26M · Ethereum
  • Rate basis: APR (the source publishes APY, converted to the APR equivalent with daily compounding)
Flexible
DeFi · smart contract
B· Medium risk
CoinA· Lower riskPlatformB· Medium risk
0.09%0.09%0.09%0.09%0.09%
Withdraw any time if the pool has enough liquidity
Gate
Fixed Term 14d

One rate for any amount.

  • Rate basis: APR
14 days
CEX · custodial
B· Medium risk
CoinA· Lower riskPlatformB· Medium risk
0.08%0.08%0.08%0.08%0.08%
Locked 14 days
Gate
Fixed Term 7d

One rate for any amount.

  • Rate basis: APR
7 days
CEX · custodial
B· Medium risk
CoinA· Lower riskPlatformB· Medium risk
0.06%0.06%0.06%0.06%0.06%
Locked 7 days
Binance
Simple Earn Flexible
Amount (BTC)Rate / year
0 – 0.010.27%
0.01 – ∞0.02%
  • Minimum: 0.0015 BTC
  • Max per user: 4.2M BTC
  • Rate basis: APR
Flexible
CEX · custodial
A· Lower risk
CoinA· Lower riskPlatformA· Lower risk
0.27%0.02%0.23%0.04%0.02%
Withdrawal time: not published by the platform
High rate only for the first 0.01 BTC
KuCoin
Simple Earn Flexible

One rate for any amount.

  • Minimum: 0.01 BTC
  • Max per user: 300 BTC
  • Rate basis: APR
Flexible
CEX · custodial
B· Medium risk
CoinA· Lower riskPlatformB· Medium risk
0.02%0.02%0.02%0.02%0.02%
Withdrawal time: not published by the platform
Aave v3
Aave v3 · Arbitrum (WBTC)

One rate for any amount.

  • TVL: $243M · Arbitrum
  • Rate basis: APR (the source publishes APY, converted to the APR equivalent with daily compounding)
Flexible
DeFi · smart contract
A· Lower risk
CoinA· Lower riskPlatformA· Lower risk
0.02%0.02%0.02%0.02%0.02%
Withdraw any time if the pool has enough liquidity
Kraken
Auto Earn (thưởng bằng BABY)

One rate for any amount.

  • Rate basis: APR
Staking
CEX · custodial
B· Medium risk
CoinA· Lower riskPlatformB· Medium risk
0.02%0.02%0.02%0.02%0.02%
Withdrawal time: not published by the platform
Not confirmed whether the rate is before or after the platform’s fee
Aave v3
Aave v3 · Polygon (WBTC)

One rate for any amount.

  • TVL: $70M · Polygon
  • Rate basis: APR (the source publishes APY, converted to the APR equivalent with daily compounding)
Flexible
DeFi · smart contract
A· Lower risk
CoinA· Lower riskPlatformA· Lower risk
0.01%0.01%0.01%0.01%0.01%
Withdraw any time if the pool has enough liquidity
Aave v3
Aave v3 · Base (CBBTC)

One rate for any amount.

  • TVL: $236M · Base
  • Rate basis: APR (the source publishes APY, converted to the APR equivalent with daily compounding)
Flexible
DeFi · smart contract
A· Lower risk
CoinA· Lower riskPlatformA· Lower risk
0.01%0.01%0.01%0.01%0.01%
Withdraw any time if the pool has enough liquidity
Aave v3
Aave v3 · BSC (BTCB)

One rate for any amount.

  • TVL: $83M · BSC
  • Rate basis: APR (the source publishes APY, converted to the APR equivalent with daily compounding)
Flexible
DeFi · smart contract
A· Lower risk
CoinA· Lower riskPlatformA· Lower risk
0.01%0.01%0.01%0.01%0.01%
Withdraw any time if the pool has enough liquidity
aave-v4
aave-v4 · Ethereum · Core (WBTC)

One rate for any amount.

  • TVL: $36M · Ethereum
  • Rate basis: APR (the source publishes APY, converted to the APR equivalent with daily compounding)
Flexible
DeFi · smart contract
C· Higher risk
CoinA· Lower riskPlatformC· Higher risk
0.00%0.00%0.00%0.00%0.00%
Withdraw any time if the pool has enough liquidity
Kamino
Kamino · Solana · SOL/BTC Market (CBBTC)

One rate for any amount.

  • TVL: $60M · Solana
  • Rate basis: APR (the source publishes APY, converted to the APR equivalent with daily compounding)
Flexible
DeFi · smart contract
B· Medium risk
CoinA· Lower riskPlatformB· Medium risk
0.00%0.00%0.00%0.00%0.00%
Withdraw any time if the pool has enough liquidity
Aave v3
Aave v3 · Ethereum (WBTC)

One rate for any amount.

  • TVL: $2.9B · Ethereum
  • Rate basis: APR (the source publishes APY, converted to the APR equivalent with daily compounding)
Flexible
DeFi · smart contract
A· Lower risk
CoinA· Lower riskPlatformA· Lower risk
0.00%0.00%0.00%0.00%0.00%
Withdraw any time if the pool has enough liquidity
Aave v3
Aave v3 · Ethereum (CBBTC)

One rate for any amount.

  • TVL: $1.5B · Ethereum
  • Rate basis: APR (the source publishes APY, converted to the APR equivalent with daily compounding)
Flexible
DeFi · smart contract
A· Lower risk
CoinA· Lower riskPlatformA· Lower risk
0.00%0.00%0.00%0.00%0.00%
Withdraw any time if the pool has enough liquidity
SparkLend
SparkLend · Ethereum (CBBTC)

One rate for any amount.

  • TVL: $475M · Ethereum
  • Rate basis: APR (the source publishes APY, converted to the APR equivalent with daily compounding)
Flexible
DeFi · smart contract
A· Lower risk
CoinA· Lower riskPlatformA· Lower risk
0.00%0.00%0.00%0.00%0.00%
Withdraw any time if the pool has enough liquidity
OKX
Simple Earn Flexible

One rate for any amount.

  • Rate basis: APR
Flexible
CEX · custodial
B· Medium risk
CoinA· Lower riskPlatformB· Medium risk
5.00%5.00%–––New users only
Withdrawal time: not published by the platform
HTX
Fixed 7d

One rate for any amount.

  • Rate basis: APR
7 days
CEX · custodial
C· Higher risk
CoinA· Lower riskPlatformC· Higher risk
100.00%100.00%–––New users only
Locked 7 days