July 29, 2021

Stablecoin Savings Account

On this page, you will be able to find and compare the best stablecoin savings accounts that are paying the highest annualized interest rates. We also recommend you read our stablecoin guide to familiarise yourself with the different types of stablecoins and how this landscape could potentially evolve.

Disclaimer: All of the content written on CoinMarketExpert is unbiased and based on objective analysis. The information provided on this page should not be construed as an endorsement of cryptocurrency, a service provider or offering and should neither be considered a solicitation to buy or trade cryptocurrency. Cryptocurrencies carry substantial risk and are not suitable for everyone. No representation or warranty is given as to the accuracy or completeness of this information and consequently, any person acting on it does so entirely at their own risk. See further disclaimer at the bottom of the page.

Keeping your cryptocurrency savings in volatile assets such as Bitcoin may not be everyone’s cup of tea, so why not consider parking your underutilised crypto across a portfolio of stablecoin savings accounts?

A stablecoin savings account resembles a regular savings account in some ways except with a much higher yield. You must know by now that anything with a higher return will intrinsically carry a higher level of risk although with some diversification and good common sense it is possible to attain a very decent return building a portfolio of high-yield stablecoin saving accounts.

💡 Incorporate the high-interest income generated from stablecoin savings accounts into your crypto trading strategy. Click here to learn how a hedge fund manager may utilise high-yielding stablecoins savings rates to offset potential losses in risky crypto assets.

As you may already know, deposits made to bank accounts are protected by federal deposit insurance (usually insuring up to a certain amount) so if the bank that you hold your fiat money fails, all or (a proportion) of your funds will be returned to you. You will not have the same level of protection and insurance when parking funds in unregulated cryptocurrency platforms.

Cryptocurrency platforms have been prone to major hacks and scams while many do not have any insurance policies in place to protect your funds. So, of course, you must recognise all of these risks if you plan to tie up a proportion of your wealth in a cryptocurrency exchange or wallet for a prolonged period of time.

Counterparty risk is also important to understand. Platforms offering crypto savings products are able to pay savers a proportion of the interest they earn from lenders. If many borrowers default on their crypto loans then that could result in bankruptcy and crypto savers losing all of their assets. The level of distress would very much depend on the risk management procedures in place at different platforms; so always choose your platforms wisely and consider diversifying by holding a portion of your crypto assets across various platforms that you trust.

🔎 Interested in finding the savings rate for other crypto assets? Visit our crypto savings account page to compare rates on the entire savings market or if you’re looking for a more focused analysis on Bitcoin then visit our bitcoin interest rate page.

🔎 Searching for higher-yielding accounts? Visit our crypto staking and yield farming pages!

Stablecoin Savings Account Promotions

Anyone opening a Hodlnaut account will be entitled to receive a US$20 signup bonus after making an initial deposit equivalent to US$1000 on any of their supported assets.

Hodlnaut is a trusted cryptocurrency lending platform that is backed by Antler, an early-stage global venture capital firm. The company pays crypto investors an attractive APR of 10.50% on USDT, USDC, and DAI stablecoins. Furthermore, they offer a highly competitive APR of 6.50% on bitcoin savings. Read our Hodlnaut review to learn more!

Best Stablecoin Savings Platform: Our Top Pick For Stablecoins

Youhodler is primarily a crypto loan platform offering loan-backed crypto-asset collateral of up to 90% LTV. In order to provide crypto loans, Youhodler requires liquidity – which it receives from investors depositing funds into interest-bearing savings accounts.

Youhodler is one of our favourites because they have a wide choice of high-yielding crypto savings accounts, providing the advantage of diversification whilst also paying an attractive APR of up to 12%-12.3% on stablecoins. As a matter of fact, it is possible to devise highly attractive crypto trading strategies using Youhodler’s Multi HODL function in conjunction with its high-yielding savings accounts.

We also like the fact that Youhodler has crime insurance held in a segregated Ledger vault to protect its cryptocurrency holdings up to $150 million.

Stablecoin Interest Accounts: Find the best stablecoin interest rates

To find the highest returns on stablecoins, we have compared the savings rates and staking yields offered by trusted platforms in the table below. With a few exceptions, you may see that the annualised returns offered on stablecoin savings accounts tend to be more attractive (i.e. higher) than staking.

Updated: July 2021

Stablecoin Savings Accounts

Account Type:

# of Stablecoins:

Start Earning:

Max Saving (APR) Yield:
Whitepaper




Max APR




22.00%
Youhodler

Savings

8

Start Saving

12.30%
Bitrue

BTR Lockups

1

Start Staking

22.00%
Hodlnaut 🚀

Earn

3

Start Staking

10.50%
Binance

Defi Staking

4

Start Staking

8.79%
Binance

Flexible Savings

6

Start Saving

5.11%
Binance

Locked Savings

3

Start Saving

6.00%
Huobi

Flexible Earnings

3

Start Earning

6.61%
Huobi

Fixed Earnings

2

Start Earning

8.00%
Kraken

Staking

2

Start Staking

2.00%
Ledn

Savings

1

Start Saving

9.50%
Gemini

Earn

2

Start Saving

7.40%
Nexo

Earn

6

Start Saving

12.00%
BlockFI

Savings

6

Start Saving

8.50%
Venus

Savings

4

Start Saving

7.57%
Celsius Network*

Savings

12

Start Saving

11.21%
Binance US Dollar (BUSD)
-
11.21%
10.00%
-
-
2.89%
1.20%
4.50%
-
-
-
-
-
-
5.00%-7.50%
4.99%-7.57%
8.88%-11.21%
British Pound (GBP)
0.24%
-
-
-
-
0.24%
-
-
-
-
-
-
-
-
-
-
Gemini Dollar (GUSD)
11.21%
-
-
-
-
-
-
-
-
-
-
7.40%
-
5.00%-7.50%
-
8.88%-11.21%
HUSD (HUSD)
12.00%
12.00%
-
-
-
-
-
3.11%
-
-
-
-
10.00%-12.00%
-
-
-
Multi-Collateral DAI(MCDAI)
5.78%
-
-
-
-
-
-
-
-
-
-
-
-
-
-
4.60%-5.78%
Paxos (PAX)
12.00%
12.00%
-
-
-
-
-
-
-
-
-
-
10.00%-12.00%
5.00%-7.50%
-
8.88%-11.21%
Tether (USDT)
22.00%
12.30%
22.00%
10.50%
4.79%
1.20%
4.24%
6.61%
8.00%
-
-
-
10.00%-12.00%
5.00%-7.50%
4.87%-6.94%
8.88%-11.21%
DAI (DAI)
12.00%
12.00%
-
10.50%
8.79%
4.53%
-
-
-
-
-
7.40%
10.00%-12.00%
6.00%-8.50%
2.18%-2.63%
-
Euro
-
1.00%
-
-
-
-
1.00%
-
-
-
1.50%
-
-
-
-
-
-
Eurs
-
12.00%
12.00%
-
-
-
-
-
-
-
-
-
-
-
-
-
-
True Australian Dollar (TAUD)
-
11.21%
-
-
-
-
-
-
-
-
-
-
-
-
-
-
8.88%-11.21%
True Canadian Dollar (TCAD)
-
11.21%
-
-
-
-
-
-
-
-
-
-
-
-
-
-
8.88%-11.21%
True Great Britain Pound(TGBP)
-
11.21%
-
-
-
-
-
-
-
-
-
-
-
-
-
-
8.88%-11.21%
True Hong Kong Dollar (THKD)
-
11.21%
-
-
-
-
-
-
-
-
-
-
-
-
-
-
8.88%-11.21%
True USD (TUSD)
-
12.00%
12.00%
-
-
-
-
-
-
-
-
-
-
10.00%-12.00%
-
-
8.88%-11.21%
USD Coin (USDC)
12.00%
12.00%
-
10.50%
2.79%
0.91%
4.24%
2.30%
5.08%
-
9.50%
-
10.00%-12.00%
5.00%-7.50%
2.46%-4.52%
8.88%-11.21%
US Dollar
-
2.00%
-
-
-
-
-
-
-
-
2.00%
-
-
-
-
-
-
ZUSD (ZUSD)
-
11.21%
-
-
-
-
-
-
-
-
-
-
-
-
-
-
8.88%-11.21%

* Celsius Network awards users with a higher APR for opting to receive earnings in the native CEL token.

Table Disclaimer
The data in our tables are updated daily and are for indicative purposes only. The source data from the savings and staking providers may change without notice. Do not make any savings or staking decisions without having checked the source data directly with the relevant platforms first.