6 High Interest-Paying Options for Crypto Lenders 

As anyone who has ever sought to lend crypto will attest, significant variance exists in the APR offered to lenders. Indeed, the spectrum can swing from 1% to 8% – even when it’s the same asset being loaned across platforms such as Coinbase, Poloniex, Compound and Dharma. As a consequence, would-be lenders seeking passive income must shop around for the best offer. Here are six high-interest options for lenders.
It Pays to Shop Around
There’s a lot of options to factor in with crypto lending over and above the quoted APR. You can choose between custodial and noncustodial, monthly, quarterly, and annual interest, and various cryptos from BTC to stablecoins. Platforms such as Loan Scan mercifully make the task easier by enabling a side-by-side comparison of the best options for lenders. There’s also information for borrowers seeking the most attractive terms. Below are some of the best high-yield options presently available to lenders.

Interest options for lenders, as quoted by Loan Scan.


While the majority of lenders offer varying rates depending on the currency, Nexo is different – its 8% guarantee holds true across fiat currencies like USD, EUR and GBP as well as popular stablecoins such as USDC, USDT, SAI, TUSD, and PAX. The platform has just added EOS to the list of available collateral for its Instant Crypto Credit Lines, enabling holders to spend the dollar value of their EOS without selling it.
With Nexo, you can withdraw your funds whenever you want without penalty, just like a regular bank account. Given that 8% is the highest rate quoted by Loan Scan, Nexo’s custodial lending platform is worth your attention. All the more so if you own Terra: thanks to last year’s partnership between the two companies, Terra is offering to augment Nexo’s 8% interest rate with additional returns funded by its seigniorage model, enabling Terra holders to enjoy double-digit yearly returns on Nexo.
Celsius almost manages to emulate Nexo by offering a fixed rate across most stablecoins: 7% for TUSD, GUSD, PAX, and USDC. The rate is well below that for SAI though, standing at 3.1%. Of course, you can collateralize non-stablecoins too, with Celsius offering 2.8% interest for ETH, 3.05% for BTC, 2.9% for XRP, and 3.15% for ZRX. A custodial system, Celsius recently hit the headlines by confirming it had handed out more than $4.25B in crypto loans last year, including over $2B in the course of 90 days. It also paid out over $5M in interest income.

Acquired by Monaco in 2018, offers an impressive interest rate of 6% on three stablecoins (USDC, TUSD and PAX) and three of the most popular digital currencies (ETH, BTC and XRP), making it an appealing option for a broad spectrum of investors and hodlers. You can avail yourself of even better rates when you stake MCO tokens.
Blockfi specializes in providing clients with access to high-interest crypto accounts and low-cost credit products. Until recently, Blockfi only supported two currencies, namely ETH, for which the rate is 4.1% for deposits below 1,000 ETH (and 0.5% for everything above), and BTC, which stands at 6.2% for holdings less than 10 BTC, with everything above that earning 2.2%. However, in 2020 the company aims to add five to ten new assets including USDC (8.6%) and litecoin (3.78%). Be advised, Blockfi has had to cut rates more than once due to depositor demand outstripping borrower supply.


Founded in San Francisco in 2017, originally as a capital-raising platform, Coinlist is now all over the stablecoin market, offering the same rate of 5.84% interest on USDC, SAI, TUSD, GUSD, and PAX. It also furnishes users with 2.92% on ETH and BTC, 5.11% on ZRX, XRP and REP, and 3.65% on Brave’s BAT. It’s worth having a look at their website too, as they seem to be adding tokens all the time.

It’s little wonder crypto owners are seeking to generate a passive income by putting their crypto to work via high-interest paying loans. Of course, that isn’t the only thing driving the crypto lending market: traders are also borrowing crypto to overcome capital inefficiencies. The crypto space currently offers significantly higher interest rates than the fiat world, with platforms like Cred allowing people to earn up to 10% on their BTC and BCH holdings.
Aspiring lenders seeking to profitably deploy their crypto holdings should keep an eye on interest rates, which are subject to change, and be sure to read the small print.
Have you tried crypto lending or borrowing? If so, what platforms do you recommend? Let us know in the comments section below.

Disclaimer: This article is for informational purposes only. It is not an offer or solicitation of an offer to buy or sell, or a recommendation, endorsement, or sponsorship of any products, services, or companies. does not provide investment, tax, legal, or accounting advice. Neither the company nor the author is responsible, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any content, goods or services mentioned in this article.

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Dear SMBX Community,
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Think Big, Invest Small!
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Now you can get DeFi loans in a flash with Aave and Chainlink

No-collateral loan provider Aave has launched on Ethereum with a heap of innovative new features, including a decentralized oracle network.

By Adriana Hamacher

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Launched Wednesday on the Ethereum mainet, no-collateral loan platform Aave Protocol offers support for 16 digital assets, and is now integrated with oracle-provider Chainlink

The UK-based company offers “flash loans,” in which funds can instantly be borrowed with no requirement for collateral. The process takes place in a single transaction, and has one condition: that the liquidity is returned to the pool before the transaction ends.

If the user defaults on the loan, the transaction is reversed to effectively undo the actions executed until that point, guaranteeing the safety of the funds in the reserve pool.

Rate-switching and stable rate loans

Aave—the name is Finnish for “ghost”—defines itself by its evolving and imaginative technology.

Deposits are tokenized as aTokens which accrue interest in real time. Instead of being defined by an exchange rate like cDAI/Chai or other interest-bearing tokens available on the market, they are pegged 1:1 to the value of the underlying assets. 

Other features include: “rate-switching,” allowing users to switch between stable and variable rates; “stable rate loans," which behave as a fixed rate loan, but can be re-balanced to respond to severe changes in market conditions, and “perpetual loans” which throw away payment schedules and let users set their own duration. 

When borrowing, the fee is 0.025 percent of the loan amount, but for flash loans, it rises to 0.35 percent (which is split 70% for the lenders and 30% for the protocol,) according to Aave.

The startup points out that its features are targeted at those with some technical knowledge.

The future of DeFi—and governance

Holders of LINK, Chainlink’s token, can also use their token as collateral in the Aave Protocol, capitalizing on its recent uptrend.

The Chainlink collaboration makes Aave the first lending protocol to use off-chain data for calculating lending rates via a decentralized oracle network. And Aave plans to gradually phase in complete decentralization.

“We see the future of DeFi [Decentralized Finance] as strictly connected to the ability to bring interchain communication and real-life assets to Ethereum, and this is the direction we want to head with our collaboration with Chainlink,” said Emilio Frangella, Software Engineer at Aave, in a post announcing the launch. 

“The next step for Aave is to add governance smart contracts and transfer the ownership of the protocol to the community,” Aave CEO Stani Kulechov told Decrypt. He explained that Aave’s LEND token would be used to propose and vote on changes. 

DeFi Pulse, which tracks growth in the DeFi sector, reports growth of 130% over the last 12 months, with $700 million now locked up in DeFi applications.

The VALUE of the CEL Token, Explained

Celsius Network

Jan 6 · 5 min read

Imagine a service that always acts in your best interest. A service that actually works as hard for you as you do for your money without charging any fees or penalties whatsoever. A service that actually puts its users ahead of its shareholders. Imagine a service that’s fully transparent enabling any and every participant to see in real-time HOW MANY people use the network, HOW MUCH is being contributed, WHAT it is used for, IF it’s doing what it promised, and IF it’s acting in your best interest.
Imagine no more, as Celsius Network embodies all the aforementioned. We are the first fully transparent company in the industry to publish our data in real-time. Try that with your bank and see what they say. Celsius Network is also the first service in a new breed of Blockchain-based financial platforms intent on changing the future of banking by putting the power back into the hands of the people. For us, we are able to directly support this mission through our own CEL token.

Why CEL?

Celsius Network launched in early 2018 with a successful ICO raising $50 million to build the financial products of the future. While many ICO-funded projects have crashed and burned, Celsius has not only survived the bitter cold crypto winter — we’ve thrived! Through our ICO, we were able to start building a vibrant community of Celsians, and we’ve since become one of the fastest-growing companies in the industry!
The CEL token provides our ever-growing community with access to free, fair, and rewarding services available through the Celsius app. Members can earn interest income in CEL on 25 different cryptocurrencies at a rate of up to 30% more than earning interest in-kind or choose to earn compounded interest on their total CEL balance at a rate of 5% APR. In addition to earning interest, members can also complete loan interest payments in CEL tokens at a discount of up to 30% less than paying in crypto or fiat.

➡️The best way to earn interest: while banks expect you to give them your money for free, Celsius has created a new model that pays out 80% of our income back to our depositors instead of shareholders. We always act in your best interest.
➡️Community support: The CEL token was created first and foremost to embody the Celsius mission and serve as a means to spread that same mission. It came about to advance a self-sustaining business and reflect the size of its community directly through the success of the token.
➡️Valuable Token with Real Utility: The CEL token is used by almost half of our members and has actual and fungible worth — the token is valuable, unlike others…( 😼 & 🐶 ⛓)
To learn more about the CEL utilities click 👉 here 👈

CEL Token Economics

The value of the CEL token is directly related to the number of people who support CEL by choosing to HODL and earn interest in CEL to get 30% more interest income, and/or use CEL to pay back loans at a 30% discount.
As our community grows larger and more people deposit coins to take part in earning unprecedented interest income, this growth propels the CEL token economy. The token also becomes less dependent on the overall crypto market and more dependent on our community’s sentiment.

Here’s how it works…
Since there is a finite supply of CEL and almost half of it is held by the company treasury, there is a continuous demand for CEL from our community of HODLers, market speculators, and….
Since the CEL token’s launch this past June, it has outperformed both BTC and ETH as it is valued not on speculation, but rather on real demand from real people to earn interest, get a loan, and make an investment in a demand-based platform that acts in the best interests of its growing community.
To date, about 40% of the Celsius community is choosing to earn weekly interest income in CEL on their crypto deposits. In order to pay interest in CEL tokens to these members, Celsius goes to the market each week to purchase CEL from exchanges, directly contributing to the success and value of CEL for the entire community. Demand for the CEL token grows naturally over time as more and more users learn about the value of CEL and choose to earn interest income in CEL.
You can track Celsius Network’s weekly CEL purchases on the blockchain here

You can track various CEL wallets, including coins held by the community, coins purchased for interest income distribution, and more, on our website.

A Community Contribution — The community website is an independent, community-run website designed to enhance transparency and provide the Celsius community with user-friendly information regarding Celsius Network. Since blockchain data can be difficult to locate, analyze, verify and audit, has converted all of the data into comprehensive visual charts and provide real-time access to a robust set of community data. The independent work that does acts as a real-time auditor that verifies and validates data published by Celsius. Amongst the information you can find on the website, are Celsius Interest Rates History, a community growth chart, and CEL token information. See more here:

About Celsius Network

Celsius Network is a democratized blockchain-based cryptocurrency platform accessible via a mobile app. Built on the belief that financial services should only do what is in the best interests of the community, Celsius is a modern platform where membership provides access to curated financial services that are not available through traditional financial institutions. Crypto holders can earn interest by transferring their coins to their Celsius Wallet and borrow USD against their crypto collateral at interest rates as low as 4.95% APR.
Download the Celsius Network app and start earning interest on your crypto today ➡️
Help in making the right choice:

Celsius Network
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A new way to earn, borrow, and pay on the blockchain.

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