On November 10, 2026, the eight crypto savings accounts in this guide paid or advertised between 3.15% and 11% on USDC. The top of that range always came with conditions (loyalty tiers, lock-ups, balance caps), while self-custody lending on Aave, Compound and Morpho paid 3.15% to 4.80%. Below, each platform is compared on the same criteria: rate and how it is set, conditions, lock-up, minimum, fees, custody and track record.
Key takeaways
- CeFi headline rates on November 10, 2026: YouHodler 6% to 11%, Nexo up to 10.5%, Ledn 6.5% to 8.5% and Binance 9.1% APR on the first 10,000 USDC (2.1% above). The top rates need a loyalty tier, trading volume, a fixed term or a small balance.
- Self-custody DeFi lending on Ethereum paid 3.73% on Aave V3 (30-day average 4.21%), 3.15% on Compound V3 and up to 4.80% in Morpho curated vaults, per DefiLlama. These rates move every block.
- Coinstancy Dollar Savings, our product, pays a fixed 7.50% APY on USDC, the rate currently in force, with no lock-up and a $10 minimum. Coinstancy is custodial: your USDC first enters a multisignature wallet operated by Coinstancy.
- No crypto savings account is FDIC insured. Celsius, Voyager and BlockFi froze withdrawals in 2022, and exchanges keep being breached (about $6.36 billion withdrawn without authorization from Binance on October 29, 2026, per DefiLlama): custody and track record matter as much as the rate.
什么是加密储蓄账户？
A crypto savings account lets you deposit digital assets and earn interest over time, much like a bank savings account. The APY paid on stablecoins such as USDC is usually well above bank rates: the US national average savings rate was 0.37% as of September 2026, per the FDIC (see Sources), while stablecoin lending rates vary with borrowing demand and are published live on DefiLlama.
The difference comes from how your deposit is used. A bank lends your money to mortgage borrowers and businesses and keeps most of the interest. A crypto savings platform deploys your funds into DeFi lending markets, liquidity pools or institutional lending, and passes a larger share of the yield to you.
There are two main types. CeFi (centralized finance) platforms such as Nexo and Coinbase manage your funds on your behalf. DeFi-based platforms such as Coinstancy allocate deposits to on-chain protocols. Your USDC first enters a secure multisignature wallet operated by Coinstancy before being deployed into the selected on-chain strategies. Some users also lend directly through protocols such as Morpho or Aave, which requires a wallet, gas fees and self-custody.
更高收益
Stablecoin lending rates are set by borrowing demand and usually sit well above the FDIC national average savings rate (0.37% as of September 2026).
每日复利
利息在大多数平台上每日复利，意味着您赚取 利滚利 每24小时。
链上透明度
DeFi protocols publish their markets, rates and reserves on-chain, so the source of the yield can be checked rather than trusted.
2026年最佳加密储蓄账户
We compare eight options: one custodial savings product (Coinstancy), five centralized platforms (Nexo, Coinbase, Binance, Ledn, YouHodler) and two DeFi protocols you can use directly (Aave, Morpho). Every rate below was read on November 10, 2026, from DefiLlama for DeFi protocols and from each provider's public page for the others. It is a dated snapshot, not a live feed: check the current figure at the source before you deposit.
How We Compared These Platforms
Every platform is described on the same criteria: the USDC rate and how it is set, the conditions attached to the headline rate, lock-up, minimum deposit, fees, who holds your USDC (custody) and the platform's track record. Coinstancy publishes this guide and is listed first because it is our product, not because of an independent ranking. For a USDC-only view with more DeFi markets, see How to Earn Interest on USDC; for the full stablecoin landscape, see the Stablecoin Yield Guide.
Coinstancy
USDC年化收益率7.50%。利息每秒累计。无锁定期
Coinstancy is a custodial savings platform that deploys deposits into on-chain strategies. Its Dollar Savings pays 7.50% APY on USDC. Interest accrues every second and is automatically reinvested. There is no lock-up period, and you can withdraw anytime. The APY shown is the fixed rate currently in force. It may be revised as market conditions evolve; a new rate applies to existing balances as well as new deposits. Your USDC first enters a secure multisignature wallet operated by Coinstancy before being deployed into the selected on-chain strategies. Coinstancy charges no fee on Savings deposits, yield or Savings withdrawals. Fees specific to other rails (bank transfer, card, crypto withdrawal from the platform) still apply.
The appeal is simplicity. You do not manage a wallet, choose lending pools or pay gas fees. Coinstancy handles the DeFi side behind a plain interface, which suits first-time savers. Selected protocol exposures may benefit from additional coverage arranged through OpenCover, subject to the applicable policy terms, conditions, and coverage limits.
Nexo
Up to 10.5% on USDC. CeFi. Top rate needs NEXO tokens and a 90-day term
Nexo is a CeFi lending platform that has operated since 2018. It supports many assets, including BTC, ETH and the stablecoins USDC, USDT and DAI. On November 10, 2026, its USDC page advertised up to 10.5%. That figure stacks three things: a flexible rate of up to 6.5%, 2 extra points if you take your interest in NEXO tokens rather than USDC, and 2 more for a 90-day fixed term. The flexible rate itself depends on your Loyalty Tier, which is set by the share of your portfolio held in NEXO tokens. Flexible savings pay interest daily (see Sources).
Nexo publishes its own statements on custody, licences and asset protection; read them at the source, because they are the platform's claims, not independent guarantees. The main drawback is the loyalty system: reaching the top rate means holding a meaningful amount of NEXO, which adds price risk on that token, and the top rate pays you in NEXO rather than in dollars. As with any CeFi platform, you rely on Nexo to manage your funds responsibly.
Coinbase Earn (USDC 奖励)
USDC rewards at a rate set by Coinbase. CeFi. No lock-up
Coinbase pays USDC rewards to eligible users who hold USDC in their Coinbase account. Coinbase sets the rate itself and can change it at any time, and availability depends on your location. Its public USDC page did not display a rate when we checked on November 10, 2026, so we do not quote one: the figure shown to you after you log in is the one that applies (see Sources). There is no lock-up, and rewards are switched on for eligible accounts.
The advantage is convenience: if you already use Coinbase, you earn by simply holding USDC. Coinbase is publicly traded (NASDAQ: COIN) and regulated in the United States. Note that US dollar balances may qualify for pass-through FDIC insurance, but USDC itself is a crypto asset and is not FDIC-insured (see the FDIC page in Sources). Because the rate is a marketing decision rather than a market rate, compare it with DeFi lending rates before relying on it.
币安 Earn
2.1% APR on USDC, plus a bonus on the first 10,000 USDC. CeFi. Flexible and locked options
Binance Earn is the yield product suite of the Binance exchange. It includes Simple Earn (flexible and locked terms), Dual Investment and structured products. On November 10, 2026, USDC Flexible in Simple Earn paid a real-time APR of 2.1% on the whole balance plus a bonus tiered APR of 7% on the first 10,000 USDC, with a minimum subscription of 0.01 USDC. Above that cap, you earn the real-time rate only. Binance quotes APR rather than APY, and both parts change daily.
Binance is one of the largest exchanges by trading volume, but it has faced regulatory action in several countries, and Binance.com does not serve US residents, who are directed to the separate Binance.US. It has also been breached: DefiLlama's hacks database records about $6.36 billion of unauthorised withdrawals on October 29, 2026; Binance said it would cover the losses from its SAFU fund and company reserves, and about $3.00 billion of the stolen assets was later frozen (see Sources).
Ledn
6.5% to 8.5% APY on USDC. CeFi. No locked term
Ledn is a lender best known for bitcoin-backed loans. On November 10, 2026, its USDC Growth account advertised 6.5% APY on balances below 100,000 USDC and 8.5% above, with interest paid monthly, no minimum and no locked term. Ledn says the interest comes from its lending book, mainly loans backed by bitcoin collateral, and publishes a monthly Open Book Report on that book (see Sources).
The rate is set by Ledn, not by a market, and the account is not offered in every jurisdiction. Your USDC is held and lent by Ledn, so you rely on its loan underwriting and its solvency: the same custodial model that failed at Celsius and BlockFi, with more published data on the loans.
YouHodler
6% to 11% on USDC. CeFi. Rate depends on loyalty level
YouHodler pays interest on USDC through its Yield Account. On November 10, 2026, the rate ranged from 6% at the Basic level, which needs a balance of about $100, to 11% at the VIP level, which requires about $5 million of trading volume a month. Payouts are weekly and there is no lock period (see Sources).
The 11% headline is out of reach for most savers: compare the Basic rate, not the maximum. YouHodler is custodial and sets its own rates, so the same counterparty questions apply as for any CeFi lender.
Aave（直接 DeFi）
3.73% variable APY on USDC (Ethereum). DeFi. No lock-up. Self-custody
Aave is the largest decentralized lending protocol by total value locked: $16.2 billion across all versions on November 10, 2026, per DefiLlama. You supply USDC, USDT or DAI directly and earn a variable rate that rises when more of the pool is borrowed and falls when demand drops. On November 10, 2026, Aave V3 paid 3.73% on USDC on Ethereum (30-day average 4.21%), 5.15% on USDT and 7.07% on USDC on Base, of which 1.64% came from reward tokens. The live supply APY per network is on the Aave app and on DefiLlama (see Sources).
The advantage is self-custody: your funds sit in a smart contract you interact with directly, with no intermediary. The drawback is complexity: you need a Web3 wallet, ETH for gas fees and some familiarity with DeFi interfaces. Rates are variable and can fall sharply when borrowing demand is low.
Morpho（直接 DeFi）
4.78% to 4.80% on the largest USDC vaults. DeFi. No lock-up. Self-custody
Morpho is a lending protocol built on isolated markets, each with one collateral asset, one loan asset and fixed risk parameters. Curated vaults, run by third-party risk managers, spread deposits across these markets. The vault curator, not the protocol, decides which markets your USDC is lent to (see the Morpho documentation in Sources).
A vault's rate depends on the markets its curator selects and on how heavily they are borrowed, so rates differ from one vault to the next. On November 10, 2026, Morpho held $10.9 billion in total value locked, and its two largest USDC vaults on Ethereum paid 4.80% (Steakhouse USDC, 30-day average 4.95%) and 4.78% (Gauntlet USDC Prime, 30-day average 4.86%), per DefiLlama; the live figures are on the Morpho app and DefiLlama. The trade-off is that each vault carries the risk profile of its curator's choices. Like Aave, using Morpho directly requires a Web3 wallet and DeFi experience. For a side-by-side view of the three main lending protocols, see Aave vs Compound vs Morpho. Morpho Blue is one of the strategies listed for Coinstancy Dollar Savings on its product page.
在USDC上赚取7.50%年化收益率
With Coinstancy Dollar Savings, interest accrues every second and is automatically reinvested. No lock-up, withdraw anytime. Opening an account takes a few minutes.
打开您的账户比较表
All eight platforms side by side, with the USDC rate each one paid or advertised on November 10, 2026. DeFi rates come from DefiLlama (largest pool per protocol, with the 30-day average); CeFi rates come from each provider's public page, read the same day. The headline rate is the maximum: the conditions column says what it takes to get it.
| 平台 | USDC rate on November 10, 2026 | Conditions for the headline rate | Lock-up and payouts | 最低 | 费用 | 托管 |
|---|---|---|---|---|---|---|
| Coinstancy 美元储蓄 | 7.50% APY, fixed | None; rate currently in force, may be revised | None; interest accrues every second | $10 | 储蓄无 | Custodial (multisig operated by Coinstancy), then on-chain strategies |
| Nexo | Up to 10.5% | Flexible up to 6.5%; +2 points paid in NEXO; +2 points for 90 days; Loyalty Tier | Flexible (daily payouts) or fixed term | Not stated on the page | See platform | 托管（CeFi） |
| Coinbase (USDC rewards) | No rate shown when checked | Set by Coinbase; depends on location | 无 | See platform | None on rewards | 托管（CeFi） |
| Binance Simple Earn (Flexible) | 9.1% APR | 7% bonus on the first 10,000 USDC only; 2.1% above | Flexible; rates change daily | 0.01 USDC | See platform | 托管（CeFi） |
| Ledn (USDC Growth) | 6.5% to 8.5% APY | 8.5% above 100,000 USDC; not in every jurisdiction | No locked term; monthly payouts | 无 | See platform | 托管（CeFi） |
| YouHodler (Yield Account) | 6% to 11% | 11% needs VIP level (about $5 million monthly volume) | No lock period; weekly payouts | About $100 | See platform | 托管（CeFi） |
| Aave V3 (Ethereum) | 3.73% APY (30-day avg 4.21%) | None; variable with pool utilization | 无 | 无 | 燃气费 | 自托管 |
| Morpho (largest USDC vaults) | 4.78% to 4.80% APY | None; variable, depends on the vault curator | 无 | 无 | Gas fees; curator fee inside the rate | 自托管 |
如何选择最佳加密储蓄账户
并非所有加密储蓄账户都适合每位用户。以下是选择资金存放地点时最重要的六个因素。.
APY（年化收益率）
The headline number, but not the only one that matters. Compare net APY after fees and check whether the rate is fixed or variable. A rate you keep for the year is worth more than a promotional rate that drops after 30 days.
安全性与审计
For CeFi, check whether the platform publishes proof of reserves, holds regulatory licences and states clearly what protection, if any, applies to your deposit. For DeFi, look for audited smart contracts, on-chain strategies you can inspect and a track record without exploits.
取款条款
Can you access your funds quickly, or is there a waiting period? Some platforms pay more for locked deposits but penalize early withdrawals. For most savers, no lock-up and a short settlement time matter more than a slightly higher rate.
费用
请留意存款费用、取款费用、管理费和 gas 费用。有些平台宣传高 APY，但会抽取相当大的一部分。Coinstancy 对储蓄存款、收益或储蓄取款不收取任何费用。其他通道（银行转账、银行卡、从平台提取加密货币）的特定费用仍然适用。.
声誉与业绩记录
平台运营多久了？是否曾被黑客攻击或冻结提款？2022 年 CeFi 崩溃（Celsius、BlockFi、Voyager）表明，在选择储蓄平台时，声誉比收益更重要。.
监管
平台是否在监管框架下运营？受监管的平台必须遵守资本要求、报告标准和消费者保护规则。可用性可能因国家而异。.
加密储蓄 vs 传统银行
How much more can you earn with a crypto savings account than with a bank? The table below projects the growth of a $10,000 deposit at different APYs over 1, 3 and 5 years with compounding already included in each APY. The bank row uses the FDIC national average savings rate (0.37% as of September 2026, see Sources); the high-yield row is illustrative.
| 账户类型 | 年化收益率 | 1 年后 | 3 年后 | 5 年后 |
|---|---|---|---|---|
| US bank savings (FDIC national average) | 0.37% | $10,037 | $10,111 | $10,186 |
| High-yield savings account (illustrative) | 4.0% | $10,400 | $11,249 | $12,167 |
| Coinstancy 美元储蓄（USDC） | 7.50% | $10,750 | $12,423 | $14,356 |
Every row applies deposit × (1 + APY)^years, with no withdrawals and the stated rate unchanged for the whole period, which is not guaranteed for any of them. The Coinstancy row uses the current Dollar Savings fixed APY, which already includes automatic reinvestment; it may be revised. Illustrative only, not a promise of future returns.
需考虑的风险
加密储蓄账户提供比银行更高的收益率，但也伴随风险，您在存入前应了解这些风险。以下是四大主要风险类别。.
平台风险（CeFi）
When you deposit into a CeFi platform, you trust the company to manage your funds responsibly. If it becomes insolvent, gets hacked or mismanages risk, your deposit may be lost. Celsius, Voyager and BlockFi all froze withdrawals and filed for Chapter 11 bankruptcy in 2022; Celsius creditors only began receiving distributions when its plan took effect on January 31, 2024, and BlockFi was still making distributions in 2025 (see Sources). Exchange breaches are a separate risk: DefiLlama's hacks database records $1.40 billion stolen from Bybit on February 21, 2025, $387 million from Bitget hot wallets on September 24, 2026 and about $6.36 billion withdrawn without authorization from Binance on October 29, 2026. Check proof of reserves, regulatory status and the exact protection offered before choosing a CeFi platform.
智能合约风险（DeFi）
DeFi savings platforms deploy your funds into smart contracts. If a contract has a vulnerability, an attacker could drain funds. The risk is lower, not zero, with protocols that have long audit histories, bug bounty programmes and years without an exploit, such as Aave and Morpho, though even Aave V3 recorded an oracle misconfiguration in March 2026 that liquidated 34 positions for about $862,000, an amount DefiLlama lists as returned. Coinstancy Dollar Savings lists Aave v3, Compound v3 and Morpho Blue as its strategies, which spreads this risk across several audited protocols but does not remove it.
监管风险
Rules for crypto savings products are still evolving. In February 2022 the SEC charged BlockFi over its interest accounts, and BlockFi agreed to pay $100 million: $50 million to the SEC and $50 million to 32 states (see Sources). Future rules could change rates, restrict availability in your country or force platforms to restructure their products. Prefer platforms that engage with regulators and say clearly which framework they operate under.
稳定币脱钩风险
Stablecoins are designed to hold a 1:1 peg with the US dollar, but they can deviate. In March 2023, USDC briefly traded near $0.87 after Silicon Valley Bank, which held part of Circle's reserves, collapsed. USDC returned to its peg within days, but a depeg can cause a temporary loss if you sell during it. Circle states that USDC reserves are held in cash and short-dated US Treasuries and publishes monthly attestations by an independent accounting firm (see Circle transparency in Sources).
准备好通过USDC赚取7.50%的年化收益率了吗？
No lock-up. Interest accrues every second and is automatically reinvested. Withdraw anytime.
今天开始赚钱如何开始使用 Coinstancy
Opening a crypto savings account on Coinstancy takes a few minutes. Here is the process from sign-up to earning 7.50% APY on your USDC with Dollar Savings.
创建您的账户
Go to app.coinstancy.com and sign up with your email address. Verify your email, then complete identity verification (KYC), which is required before you can deposit.
存入 USDC
Transfer USDC to your Coinstancy account. You can deposit from any exchange or wallet. The minimum deposit is $10. Your USDC first enters a secure multisignature wallet operated by Coinstancy before being deployed into the selected on-chain strategies.
开始赚取 7.50% 年化收益率
Your USDC starts earning 7.50% APY once it is in Dollar Savings. You can follow your balance on your dashboard. Interest accrues every second and is automatically reinvested.
随时提取
There is no lock-up period and no withdrawal penalty. You can request a withdrawal at any time. Complete requests are normally settled within 48 calendar hours; final network confirmation may take longer. Coinstancy charges no fee on Savings deposits, yield or Savings withdrawals. Fees specific to other rails (bank transfer, card, crypto withdrawal from the platform) still apply.
常见问题
2026 年最佳的加密储蓄账户是什么？
Which crypto savings account pays the highest rate on USDC?
加密储蓄账户安全吗？
What happened to savers at Celsius, BlockFi and Voyager?
加密储蓄的每日复利是如何运作的？
我需要为加密储蓄账户的利息缴税吗？
在加密储蓄中，APY 与 APR 有何区别？
我可以随时提取我的加密储蓄吗？
什么是加密利息账户？
我该如何在 2026 年开设加密储蓄账户？
继续学习
深化您对加密收益、DeFi 协议和储蓄策略的理解。.
加密领域的 APY 是什么？
了解年化收益率（APY）的工作原理、它与年利率（APR）的区别，以及复利如何随时间放大您的加密收益。.
阅读指南Morpho 指南
了解Morpho Blue精选金库和独立市场如何为稳定币储户提供优化的借贷利率。.
阅读指南稳定币收益指南
2026年在哪里获取最佳稳定币收益率。策略、风险及平台比较。.
阅读指南立即开始增长您的储蓄
Earn 7.50% APY on USDC with Coinstancy Dollar Savings. Interest accrues every second and is automatically reinvested. No lock-up, withdraw anytime. Your crypto savings account is ready in a few minutes.
开通您的Coinstancy账户来源与延伸阅读
本页面中的数字和声明均基于以下文档。具有时效性的数字（利率、收益率、费用、市场数据）会变动：在据此行动之前，请在来源处核实实时数值。.
- DefiLlama，收益defillama.com
USDC and USDT supply APYs and 30-day averages for Aave V3, Compound V3 and Morpho vaults quoted on this page (snapshot of November 10, 2026); live APY per pool.
- DefiLlama, Total value lockeddefillama.com
TVL of Aave and Morpho on November 10, 2026.
- DefiLlama, Hacksdefillama.com
Bybit (February 2025), Bitget (September 2026) and Binance (October 2026) incidents, and the Aave V3 oracle incident of March 2026.
- Aave 文档aave.com
How Aave lending markets set variable supply rates from pool utilization.
- Morpho文档docs.morpho.org
Isolated Morpho markets, curated vaults and the role of vault curators.
- Nexo, Earn interest on USDCnexo.com
Nexo's USDC rates on November 10, 2026 (up to 10.5%), the flexible rate, the NEXO-token and 90-day term bonuses, the Loyalty Tier condition and daily payouts.
- Coinbase, USDCcoinbase.com
Coinbase USDC rewards, subject to location; no rate was displayed when we checked on November 10, 2026.
- Binance, Simple Earnbinance.com
USDC Flexible product on November 10, 2026: real-time APR, bonus tiered APR on the first 10,000 USDC and minimum subscription (read from Binance's public Simple Earn product data).
- Ledn, USDC Growth accountsledn.io
Ledn's USDC rates by balance, monthly payouts, no minimum, and how the interest is generated.
- YouHodler, Yield Accountyouhodler.com
USDC rates by loyalty level, the balance and trading volume each level requires, weekly payouts and no lock period.
- SEC press release 2023-133, charges against Celsius and Alex Mashinskysec.gov
The Celsius Earn Interest Program, the platform halt of June 12, 2022 and the fraud charges.
- Celsius Network Chapter 11 case, Strettocases.stretto.com
Official case site: the plan effective date of January 31, 2024 and creditor distributions.
- SEC press release 2022-26, BlockFi settlementsec.gov
BlockFi's $50 million SEC penalty and $50 million to 32 states over its interest accounts (February 2022).
- BlockFi, Updatesblockfi.com
Wind-down notices, including remaining distributions to clients in 2025.
- BlockFi, Wikipediawikipedia.org
Withdrawal halt after the FTX collapse and the Chapter 11 filing of November 28, 2022.
- Voyager Digital, Wikipediawikipedia.org
Voyager's suspension of withdrawals and Chapter 11 filing in July 2022.
- FDIC and Federal Reserve Board letter to Voyager Digital (July 28, 2022)federalreserve.gov
Voyager's false or misleading statements about FDIC deposit insurance.
- FDIC，存款保险fdic.gov
Bank deposits are insured up to $250,000 per depositor; crypto assets are not FDIC-insured.
- FDIC，全国利率与利率上限fdic.gov
US national average savings rate (0.37% as of September 2026), updated monthly.
- Circle，USDC透明度circle.com
USDC reserve composition and monthly attestations by an independent accounting firm.
- IRS，数字资产irs.gov
US tax treatment of income from digital assets.
Last reviewed: November 2026. External links open in a new tab; Coinstancy is not responsible for their content.
您的加密储蓄账户正在等待
通过 Coinstancy Dollar Savings，在 USDC 上赚取 7.50% 的年化收益率。利息每秒累计并自动复投。无锁定期，随时可提取。.