Earn up to 14% yield on your savings — without a bank
The ECB's average EU savings rate sits at 2.1% (Q1 2026) — while Nexo pays 14% APY on USDC and Aave's on-chain rate holds at 7.2% (verified March 2026). We track every platform weekly, verify reserves and flag regulatory status. Every rate you see here is independently checked — not copied from marketing materials.
* Rates indicative. Subject to change. Not financial advice.
Three ways to bank on blockchain
Whether you want a simple crypto savings account, pure DeFi, or stablecoin yield — we cover it all.
Crypto Savings Accounts
Platforms like Nexo and Ledn offer 4–14% APY on your crypto and stablecoins. We compare rates, safety and terms.
Compare platforms →DeFi Savings Accounts
Aave, Compound and Morpho let you earn yield directly on-chain — no middleman, no sign-up. The future of banking.
Explore DeFi →Stablecoin Yield
Earn 4–10% on USDC, USDT and EURC without crypto price risk. The closest thing to a blockchain savings account.
Learn about yield →Best crypto savings platforms 2026
We've independently reviewed the top platforms. Here's how they stack up on yield, safety and accessibility.
| Platform | Max APY (stablecoin) | Min. deposit | Custodial | EU available | Regulated | Our rating |
|---|---|---|---|---|---|---|
| Nexo ⭐ | 14% APY | €10 | Yes | Yes | Yes (EU) | |
| Ledn | 9.5% APY | €50 | Yes | Yes | Partial | |
| YouHodler | 8% APY | €100 | Yes | Yes | Yes (CH) | |
| Aave (DeFi) | Variable ~7% | None | No (self-custody) | Yes | Decentralised | |
| Coinbase | 5% APY | €1 | Yes | Yes | Yes (MiCA) | |
| Traditional bank | 0.5% APY | — | Yes (bank) | Yes | Yes |
* Rates and ratings are subject to change. Always verify directly with the platform before depositing. Not financial advice.
How blockchain savings work
No technical knowledge required. Here's how your money earns yield on the blockchain.
Deposit funds
Transfer euros or crypto to a platform like Nexo, or connect a wallet to a DeFi protocol like Aave.
Funds go to work
Your assets are lent to institutional borrowers or liquidity pools — generating yield automatically.
Earn daily interest
Interest compounds daily or weekly. Watch your balance grow — often 10–28x faster than a traditional savings account.
Withdraw anytime
Most platforms offer flexible withdrawal with no lock-up periods. Your money is liquid, not frozen for years.
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