Earn ratesBTC
Bitcoin yield on exchanges and in DeFi
Bitcoin has no staking of its own, so BTC earns by being lent: on an exchange, or onchain as wrapped bitcoin (WBTC, cbBTC, tBTC) in lending markets. Rates are usually lower than on stablecoins.
Rates for your wallet
EVM, Solana, TON, Tron, Bitcoin, Litecoin, Bitcoin Cash, Dogecoin, Zcash. Nothing to connect or sign.
On exchanges and perp DEXs
Read November 3 at 17:46 UTC.
WhiteBit
Lending · Fixed 1080d · 0.0015 – 5 BTC
WhiteBit
Lending · Fixed 720d · 0.0015 – 5 BTC
WhiteBit
Lending · Fixed 360d · 0.0008 – 160 BTC
WhiteBit
Lending · Fixed 180d · 0.0008 – 160 BTC
WhiteBit
Lending · Fixed 90d · 0.0008 – 160 BTC
WhiteBit
Lending · Fixed 30d · 0.0008 – 160 BTC
MEXCPromo
Earn · Flexible · 0.000012 – 0.002 BTC
WhiteBit
Lending · Flexible · 0.00125 – 5 BTC
Bybit
On-chain Earn · Fixed 45d · 0.1 – 200 BTC
OKX
On-chain Earn · Flexible · from 0.0001 BTC
MEXC
Earn · Flexible · 0.002 – 0.03 BTC
Binance
On-chain Earn · Fixed 90d · 0.05 – 600 BTC
Binance
On-chain Earn · Fixed 7d · 0.05 – 200 BTC
Bybit
Earn · Flexible · 0.002 – 1,500 BTC
MEXC
Earn · Flexible · 0.03 – 100 BTC
Gate.io
Lending · Flexible · 0.00001 – 120,000,000 BTC
Binance
Earn · Flexible · from 0.0015 BTC
OKXNot in EU/UK
Earn · Flexible
Backpack
Lending · Flexible · up to 3,000 BTC
Onchain pools
Upshift
Sentora wBTC
DeFi · Ethereum · $2.8M TVL
Ethereum$2.8M2.56%
Yo Protocol
yoBTC Yield Optimizer
DeFi · Base · $7.1M TVL
Base$7.1M2.00%
Dolomite
Dolomite Wrapped BTC Lending
DeFi · Arbitrum · $4.4M TVL
Arbitrum$4.4M0.94%
Morpho
Moonwell Frontier cbBTC Morpho V1 Vault
Lending · Base · $1.4M TVL
Base$1.4M0.14%
Aave
Aave v3 wBTC Lending
Lending · Optimism · $14.0M TVL
Optimism$14.0M0.02%Aave
Aave v3 wBTC Lending
Lending · Arbitrum · $235.7M TVL
Arbitrum$235.7M0.02%
Yearn
WBTC-1 Yearn Vault V3
Vault · Ethereum · $3.7M TVL
Ethereum$3.7M0.02%
Kamino
Kamino cbBTC Lending
DeFi · Solana · $50.1M TVL
Solana$50.1M0.01%Morpho
Gauntlet cbBTC Core Morpho V1 Vault
Lending · Base · $1.2M TVL
Base$1.2M0.01%Aave
Aave v3 wBTC Lending
Lending · Polygon · $67.9M TVL
Polygon$67.9M0.01%Aave
Aave v3 cbBTC Lending
Lending · Base · $235.8M TVL
Base$235.8M0.01%Aave
Aave v3 wBTC Lending
Lending · Ethereum · $2.6B TVL
Ethereum$2.6B0.00%
Spark
Sparklend cbBTC Lending
Lending · Ethereum · $335.7M TVL
Ethereum$335.7M0.00%Aave
Aave v3 cbBTC Lending
Lending · Ethereum · $1.3B TVL
Ethereum$1.3B0.00%Aave
Aave v3 tBTC Lending
Lending · Ethereum · $134.0M TVL
Ethereum$134.0M0.00%Rates are published by the venues and protocols and change constantly; check them on the venue before depositing. Not every product is offered in every country: rows marked Not in EU/UK are not available to residents there. Pools under $1 million in deposits and rates above 200% are left out. Information only, not financial advice; see the disclaimer.
BTC rates over time
The best BTC product at each exchange that can be left at any time, read once a day. Promotional tiers count too, so a line can sit high on an offer capped at a small amount.
MEXC7.00%8.00%−1.00 ppOKX0.54%0.56%−0.02 ppBybit0.10%0.10%flatGate.io0.10%0.10%flatBinance0.02%0.02%flatBackpack0.01%0.02%−0.01 ppQuestions people ask
17.30% at WhiteBit (1080-day lock, up to 5 BTC), as read on November 3 at 17:46 UTC. The highest rates are often promotions with small limits or a lockup; the tables show both next to every rate.
The highest rate that can be left at any time is 7.00% at MEXC. Flexible exchange products and onchain pools let you withdraw whenever you like, though some staking has an unbonding wait.
The best BTC product you can leave at any time, 30 days ago and now: MEXC 8.00% → 7.00%; OKX 0.56% → 0.54%; Bybit 0.10% → 0.10%; Gate.io 0.10% → 0.10%; Binance 0.02% → 0.02%; Backpack 0.02% → 0.01%. Exchanges change these rates often, and a promotion can lift one for a few days; the chart on this page shows each day.
No rate comes without risk. On an exchange, the BTC is the exchange’s to hold while it earns; onchain, it sits in smart contracts that can fail or be exploited. Promotional rates can end early. A higher rate usually means more risk.
Every hour. Exchange and perp DEX products are read from the venues, onchain pools from the chains’ lending, staking and vault markets. Pools with under $1 million in deposits and rates above 200% are left out.
Yes. Paste an address on this page and TrueHold matches every rate here to the tokens it holds, with what a year at today’s rate comes to. Nothing is connected or signed.
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