CrypvuCrypto market view
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Market data not licensed for redistribution. · ⚠️ Data only, not financial advice. Disclaimer

💰 Crypto Earn rates: USDT, USDC, BTC, ETH

Est. annual yield by deposit

·
ℹ️ How to read this

Applies each tier ladder to the amount (first X at Y%, the next part at Z% …). Amounts above a product’s last tier/cap earn 0 in this estimate. Rates are variable; earnings assume today’s rates for a full year, no compounding.

Include products with restricted or unstated eligibility (new-user, VIP, unverified)

🔒 Staking rates by coin

Native, liquid and exchange staking per coin · best first

🏆 Best per coin (no promo / restricted / flagged)

ATOM 17.24%
Bybit Earn
on-chain flexible · ~25 days redemption · Tier limit ≤10,000,000
TON 16.57%
TON nominator pool (TF)
nominator pool · ~36 h (2 rounds)
INJ 9.02%
INJ native staking
native delegation · 21 days
FLOW 7.90%
Ankr ankrFLOW
liquid staking · unstake ~1 epoch or swap
ICP 7.90%
WaterNeuron nICP
liquid staking · unstake ~6 months or swap
FLR 7.67%
Sceptre sFLR
liquid staking · unstake ~14.5 days or swap
SOL 5.90%
MEXC Savings
flexible · instant · Tier limit 0–3: 5.90% · ≥3: 2.90%
OSMO 5.74%
Binance Simple Earn
flexible · instant · Tier limit ≤333,176
KSM 5.10%
Binance Simple Earn
locked · 90 days lock · Tier limit ≤100,000
SUI 4.90%
MEXC Savings
flexible · instant · Tier limit 0–1,000: 4.90% · ≥1,000: 0.40%
NEAR 4.72%
Bybit Earn
on-chain flexible · ~3 days redemption · Tier limit ≤10,000,000
ETH 4.60%
OKX ETH staking
exchange staking · OKX redemption (ETH: queue; SOL: ~epoch)
ETH 4.6%SOL 5.9%BNB 0.8%ADA 1.8%DOT 4.2%ATOM 17.2%AVAX 4.1%TRX 4.5%SUI 4.9%TON 16.6%NEAR 4.7%APT 2.6%POL 2.5%TIA 3.1%INJ 9.0%SEI 3.1%ALGO 2.5%XTZ 3.7%KAVA 3.8%OSMO 5.7%EGLD 0.9%S 3.8%HBAR 0.8%KSM 5.1%ICP 7.9%MINA 1.1%ROSE 0.8%FLOW 7.9%CROFLR 7.7%BTC 0.5%USDT 9.9%USDC 7.6%
ETH best 4.60% · OKX ETH staking

protocol unbonding: exit queue (days–weeks) · OKX redemption (ETH: queue; SOL: ~epoch)

PlatformAPR/APYLock / unbondingTier limit
MEXC SavingsCeFi⚠ suspicious: outlier vs median 1.9%6.90%flexible ·
instant		0–0.05: 6.90% · 0.05–0.3: 1.90% · ≥0.3: 0.90%
mexc.com savings page data · 2026-10-31 13:02 KST · Tier APR = subsidy APR as published; base APR 0.1%.
Bitget SavingsCeFinot stated in public data6.66%flexible ·
instant		0–0.1: 6.66% · 0.1–1,000: 1.30%
bitget.com savings page data · 2026-10-31 13:02 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
OKX ETH stakingCeFi4.60%exchange staking ·
OKX redemption (ETH: queue; SOL: ~epoch)		–
OKX public API v5 /finance/staking-defi/eth/apy-history · 2026-10-31 13:10 KST · OKX liquid staking product (BETH / OKSOL) published APY.
Binance wBETHLiquid4.58%liquid staking ·
Binance redemption or swap		–
DefiLlama Yields (yields.llama.fi, free API) · 2026-10-31 13:10 KST · TVL $8,157.9M · Ethereum. APY incl. any reward-token emissions (0.00% reward).
Stader ETHxLiquid4.24%liquid staking ·
withdrawal queue or swap		–
DefiLlama Yields (yields.llama.fi, free API) · 2026-10-31 13:10 KST · TVL $149.8M · Ethereum. APY incl. any reward-token emissions (0.00% reward).
Lido stETHLiquid4.16%liquid staking ·
withdrawal queue (1–5 days) or swap		–
Lido official API (eth-api.lido.fi, 7-day SMA) · 2026-10-31 13:10 KST · Net of Lido 10% fee. stETH can be sold on DEXs anytime.
+18 more
Spark (Ethereum)DeFi3.50%flexible ·
instant		–
on-chain Spark Pool getReserveData (PublicNode RPC) · 2026-10-31 13:02 KST
StakeWise v3Liquid2.56%liquid staking ·
exit queue		–
DefiLlama Yields (yields.llama.fi, free API) · 2026-10-31 13:10 KST · TVL $96.2M · Ethereum. APY incl. any reward-token emissions (0.00% reward).
Bybit EarnCeFi2.17%on-chain flexible ·
~8 days redemption		≤10,000
Bybit public API v5 /earn/product · 2026-10-31 13:02 KST
Rocket Pool rETHLiquid2.15%liquid staking ·
burn via deposit pool or swap		–
Rocket Pool official API (api.rocketpool.net) · 2026-10-31 13:10 KST · Net of node commission.
Bybit EarnCeFi2.12%on-chain flexible ·
~11 days redemption		≤5,000
Bybit public API v5 /earn/product · 2026-10-31 13:02 KST
Binance Simple EarnCeFi1.90%locked 60 days ·
60 days lock		≤20,000
binance.com simple-earn page data · 2026-10-31 13:02 KST
Gate Simple EarnCeFi1.83%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 13:02 KST · Estimated lending rate; Gate public API publishes no tier ladder.
Binance Simple EarnCeFi1.70%locked 7 days ·
7 days lock		≤10,000
binance.com simple-earn page data · 2026-10-31 13:02 KST
Binance Simple EarnCeFi1.70%locked 90 days ·
90 days lock		≤20,000
binance.com simple-earn page data · 2026-10-31 13:02 KST
Aave v3 (Ethereum)DeFi1.53%flexible ·
instant		–
Aave official API (api.v3.aave.com) · 2026-10-31 13:02 KST · Supply WETH; variable rate.
Bitget SavingsCeFinot stated in public data1.50%locked 7 days ·
7 days lock		0–2,000: 1.50%
bitget.com savings page data · 2026-10-31 13:02 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
Bitget SavingsCeFinot stated in public data1.35%flexible ·
instant		0–2,000: 1.35%
bitget.com savings page data · 2026-10-31 13:02 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
Bitget SavingsCeFinot stated in public data1.32%locked 14 days ·
14 days lock		0–300: 1.32%
bitget.com savings page data · 2026-10-31 13:02 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
Binance Simple EarnCeFi1.30%locked 7 days ·
7 days lock		≤10,000
binance.com simple-earn page data · 2026-10-31 13:02 KST
Bitget SavingsCeFinot stated in public data1.30%locked 7 days ·
7 days lock		0–100: 1.30%
bitget.com savings page data · 2026-10-31 13:02 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
Binance Simple EarnCeFi1.24%flexible ·
instant		0–0.2: 1.24%
binance.com simple-earn page data · 2026-10-31 13:02 KST · Tier rate = real-time base APR + tier bonus APR (Binance shows the bonus separately).
OKX Simple EarnCeFi1.00%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 13:02 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
Bybit EarnCeFi0.80%flexible ·
instant		≤6,000
Bybit public API v5 /earn/product · 2026-10-31 13:02 KST
SOL best 5.90% · MEXC Savings (0–3: 5.90% · ≥3: 2.90%)

protocol unbonding: ~1 epoch (~2–3 days) · instant

PlatformAPR/APYLock / unbondingTier limit
MEXC SavingsCeFi5.90%flexible ·
instant		0–3: 5.90% · ≥3: 2.90%
mexc.com savings page data · 2026-10-31 13:02 KST · Tier APR = subsidy APR as published; base APR 0.1%.
Solana native stakingNative5.25%native delegation ·
~1 epoch (~2–3 days)		–
Solana public RPC (getInflationRate × supply ÷ active stake) · 2026-10-31 13:10 KST · Inflation only, gross before validator commission; excl. MEV/priority-fee tips. Staked 68% of supply.
Marinade mSOLLiquid5.19%liquid staking ·
instant swap or ~1 epoch		–
Marinade official API (api.marinade.finance, 30-day) · 2026-10-31 13:10 KST
Jito JitoSOLLiquid4.96%liquid staking ·
instant swap or ~1 epoch		–
Jito official API (kobe.mainnet.jito.network) · 2026-10-31 13:10 KST · APY incl. MEV rewards, as of 2026-10-31 (UTC).
Helius hSOLLiquid4.95%liquid staking ·
instant swap or ~1 epoch		–
DefiLlama Yields (yields.llama.fi, free API) · 2026-10-31 13:10 KST · TVL $93.2M · Solana. APY incl. any reward-token emissions (0.00% reward).
Drift dSOLLiquid4.88%liquid staking ·
instant swap or ~1 epoch		–
DefiLlama Yields (yields.llama.fi, free API) · 2026-10-31 13:10 KST · TVL $269.4M · Solana. APY incl. any reward-token emissions (0.00% reward).
+16 more
Bybit EarnCeFi4.78%on-chain flexible ·
~3 days redemption		≤100,001
Bybit public API v5 /earn/product · 2026-10-31 13:02 KST
OKX SOL stakingCeFi4.58%exchange staking ·
OKX redemption (ETH: queue; SOL: ~epoch)		–
OKX public API v5 /finance/staking-defi/sol/apy-history · 2026-10-31 13:10 KST · OKX liquid staking product (BETH / OKSOL) published APY.
Binance BNSOLLiquid4.55%liquid staking ·
Binance redemption or swap		–
DefiLlama Yields (yields.llama.fi, free API) · 2026-10-31 13:10 KST · TVL $1,046.8M · Solana. APY incl. any reward-token emissions (0.00% reward).
Bybit EarnCeFi4.42%on-chain flexible ·
~2 days redemption		≤10,000
Bybit public API v5 /earn/product · 2026-10-31 13:02 KST
OKX Simple EarnCeFi4.00%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 13:02 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
Binance Simple EarnCeFi3.90%locked 60 days ·
60 days lock		≤2,000,000
binance.com simple-earn page data · 2026-10-31 13:02 KST
Kamino Lend (Solana main)DeFi3.85%flexible ·
instant		–
Kamino official API (api.kamino.finance) · 2026-10-31 13:02 KST
Binance Simple EarnCeFi3.80%locked 90 days ·
90 days lock		≤500,000
binance.com simple-earn page data · 2026-10-31 13:02 KST
Binance Simple EarnCeFi3.20%locked 7 days ·
7 days lock		≤2,000,000
binance.com simple-earn page data · 2026-10-31 13:02 KST
Binance Simple EarnCeFi3.00%locked 7 days ·
7 days lock		≤200,000
binance.com simple-earn page data · 2026-10-31 13:02 KST
Gate Simple EarnCeFi2.81%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 13:02 KST · Estimated lending rate; Gate public API publishes no tier ladder.
Bitget SavingsCeFinot stated in public data2.80%flexible ·
instant		0–5,000: 2.80%
bitget.com savings page data · 2026-10-31 13:02 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
Bitget SavingsCeFinot stated in public data2.60%flexible ·
instant		0–50,000: 2.60%
bitget.com savings page data · 2026-10-31 13:02 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
Bitget SavingsCeFinot stated in public data2.25%locked 14 days ·
14 days lock		0–2,000: 2.25%
bitget.com savings page data · 2026-10-31 13:02 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
Binance Simple EarnCeFi2.23%flexible ·
instant		≤352,648
binance.com simple-earn page data · 2026-10-31 13:02 KST
Bybit EarnCeFi0.80%flexible ·
instant		≤20,000
Bybit public API v5 /earn/product · 2026-10-31 13:02 KST
BNB best 0.80% · Bybit Earn

protocol unbonding: 7 days · instant

PlatformAPR/APYLock / unbondingTier limit
OKX Simple EarnCeFi1.00%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 13:02 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
Bybit EarnCeFi0.80%flexible ·
instant		≤2,500
Bybit public API v5 /earn/product · 2026-10-31 13:02 KST
Lista slisBNBLiquid0.64%liquid staking ·
unstake 7–15 days or swap		–
DefiLlama Yields (yields.llama.fi, free API) · 2026-10-31 13:10 KST · TVL $717.5M · BSC. APY incl. any reward-token emissions (0.00% reward).
Gate Simple EarnCeFi0.58%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 13:02 KST · Estimated lending rate; Gate public API publishes no tier ladder.
Bitget SavingsCeFinot stated in public data0.50%flexible ·
instant		0–1,500: 0.50%
bitget.com savings page data · 2026-10-31 13:02 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
Binance Simple EarnCeFi0.32%locked 120 days ·
120 days lock		≤1,200,000
binance.com simple-earn page data · 2026-10-31 13:02 KST
+4 more
Binance Simple EarnCeFi0.30%locked 7 days ·
7 days lock		≤1,000,000
binance.com simple-earn page data · 2026-10-31 13:02 KST
Binance Simple EarnCeFi0.30%locked 90 days ·
90 days lock		≤1,000,000
binance.com simple-earn page data · 2026-10-31 13:02 KST
Binance Simple EarnCeFi0.25%locked 7 days ·
7 days lock		≤1,000,000
binance.com simple-earn page data · 2026-10-31 13:02 KST
Binance Simple EarnCeFi0.19%flexible ·
instant		0–1: 0.19%
binance.com simple-earn page data · 2026-10-31 13:02 KST · Tier rate = real-time base APR + tier bonus APR (Binance shows the bonus separately).
ADA best 1.82% · Bybit Earn

protocol unbonding: none (liquid) · ~1 days redemption

PlatformAPR/APYLock / unbondingTier limit
Bybit EarnCeFi1.82%on-chain flexible ·
~1 days redemption		≤10,000,000
Bybit public API v5 /earn/product · 2026-10-31 13:10 KST
Binance Simple EarnCeFi1.60%locked 60 days ·
60 days lock		≤500,000,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
Binance Simple EarnCeFi1.41%locked 90 days ·
90 days lock		≤2,000,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
Binance Simple EarnCeFi1.30%locked 7 days ·
7 days lock		≤500,000,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
Binance Simple EarnCeFi1.26%locked 7 days ·
7 days lock		≤50,000,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
OKX Simple EarnCeFi1.00%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 13:10 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
+4 more
Bitget SavingsCeFinot stated in public data1.00%flexible ·
instant		0–1,000,000: 1.00%
bitget.com savings page data · 2026-10-31 13:10 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
Bybit EarnCeFi0.70%flexible ·
instant		≤1,000,000
Bybit public API v5 /earn/product · 2026-10-31 13:10 KST
Gate Simple EarnCeFi0.18%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 13:10 KST · Estimated lending rate; Gate public API publishes no tier ladder.
Binance Simple EarnCeFi0.06%flexible ·
instant		≤25,333,427
binance.com simple-earn page data · 2026-10-31 13:10 KST
DOT best 4.18% · Bifrost vDOT

protocol unbonding: 28 days · redeem up to ~28 days or swap

PlatformAPR/APYLock / unbondingTier limit
OKX Simple EarnCeFi5.10%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 13:10 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
Bifrost vDOTLiquid4.18%liquid staking ·
redeem up to ~28 days or swap		–
DefiLlama Yields (yields.llama.fi, free API) · 2026-10-31 13:10 KST · TVL $7.8M · Polkadot. APY incl. any reward-token emissions (0.07% reward).
Bybit EarnCeFi3.14%on-chain flexible ·
~4 days redemption		≤1,000,000
Bybit public API v5 /earn/product · 2026-10-31 13:10 KST
Bitget SavingsCeFinot stated in public data1.90%flexible ·
instant		0–300,000: 1.90%
bitget.com savings page data · 2026-10-31 13:10 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
Binance Simple EarnCeFi1.51%locked 60 days ·
60 days lock		≤1,000,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
Binance Simple EarnCeFi1.44%locked 90 days ·
90 days lock		≤500,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
+5 more
Binance Simple EarnCeFi1.26%locked 7 days ·
7 days lock		≤1,000,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
Binance Simple EarnCeFi1.20%locked 7 days ·
7 days lock		≤800,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
Gate Simple EarnCeFi0.88%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 13:10 KST · Estimated lending rate; Gate public API publishes no tier ladder.
Bybit EarnCeFi0.80%flexible ·
instant		≤150,000
Bybit public API v5 /earn/product · 2026-10-31 13:10 KST
Binance Simple EarnCeFi0.09%flexible ·
instant		≤1,484,678
binance.com simple-earn page data · 2026-10-31 13:10 KST
ATOM best 17.24% · Bybit Earn

protocol unbonding: 21 days · ~25 days redemption

PlatformAPR/APYLock / unbondingTier limit
OKX Simple EarnCeFi19.60%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 13:10 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
Bybit EarnCeFi17.24%on-chain flexible ·
~25 days redemption		≤10,000,000
Bybit public API v5 /earn/product · 2026-10-31 13:10 KST
ATOM native stakingNative15.48%native delegation ·
21 days		–
Cosmos-SDK LCD via PublicNode (inflation × (1−community tax) ÷ bonded ratio) · 2026-10-31 13:10 KST · Gross, before validator commission (typ. 5–10%). Bonded 63% of supply.
Binance Simple EarnCeFi10.00%locked 60 days ·
60 days lock		≤1,000,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
Binance Simple EarnCeFi9.10%locked 90 days ·
90 days lock		≤1,000,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
Binance Simple EarnCeFi8.00%locked 7 days ·
7 days lock		≤1,000,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
+5 more
Binance Simple EarnCeFi7.80%locked 7 days ·
7 days lock		≤1,000,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
Gate Simple EarnCeFi7.44%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 13:10 KST · Estimated lending rate; Gate public API publishes no tier ladder.
Binance Simple EarnCeFi2.38%flexible ·
instant		≤163,681
binance.com simple-earn page data · 2026-10-31 13:10 KST
Bybit EarnCeFi1.74%flexible ·
instant		≤100,000
Bybit public API v5 /earn/product · 2026-10-31 13:10 KST
Bitget SavingsCeFinot stated in public data1.21%flexible ·
instant		0–200,000: 1.21%
bitget.com savings page data · 2026-10-31 13:10 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
AVAX best 4.14% · Benqi sAVAX

protocol unbonding: locked 14–365 days · unstake ~15 days or swap

PlatformAPR/APYLock / unbondingTier limit
OKX Simple EarnCeFi8.50%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 13:10 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
Benqi sAVAXLiquid4.14%liquid staking ·
unstake ~15 days or swap		–
DefiLlama Yields (yields.llama.fi, free API) · 2026-10-31 13:10 KST · TVL $206.9M · Avalanche. APY incl. any reward-token emissions (0.00% reward).
Binance Simple EarnCeFi3.80%locked 90 days ·
90 days lock		≤500,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
Bitget SavingsCeFinot stated in public data2.91%flexible ·
instant		0–100,000: 2.91%
bitget.com savings page data · 2026-10-31 13:10 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
Binance Simple EarnCeFi2.30%locked 7 days ·
7 days lock		≤100,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
Gate Simple EarnCeFi1.03%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 13:10 KST · Estimated lending rate; Gate public API publishes no tier ladder.
+2 more
Bybit EarnCeFi0.80%flexible ·
instant		≤30,000
Bybit public API v5 /earn/product · 2026-10-31 13:10 KST
Binance Simple EarnCeFi0.17%flexible ·
instant		≤262,068
binance.com simple-earn page data · 2026-10-31 13:10 KST
TRX best 4.50% · Bybit Earn

protocol unbonding: 14 days · instant

PlatformAPR/APYLock / unbondingTier limit
Gate Simple EarnCeFi16.11%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 13:10 KST · Estimated lending rate; Gate public API publishes no tier ladder.
MEXC SavingsCeFi⚠ suspicious: outlier vs median 2.3%10.00%flexible ·
instant		0–2,800,000: 10.00%
mexc.com savings page data · 2026-10-31 13:10 KST · Tier APR = subsidy APR as published; base APR 10.0%.
Bitget SavingsCeFinot stated in public data⚠ suspicious: outlier vs median 2.3%9.69%flexible ·
instant		0–10,000,000: 9.69%
bitget.com savings page data · 2026-10-31 13:10 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
Bybit EarnCeFi4.50%flexible ·
instant		≤2,000,000
Bybit public API v5 /earn/product · 2026-10-31 13:10 KST
Binance Simple EarnCeFi2.66%flexible ·
instant		≤22,139,996
binance.com simple-earn page data · 2026-10-31 13:10 KST
Binance Simple EarnCeFi2.31%locked 60 days ·
60 days lock		≤50,000,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
+3 more
Binance Simple EarnCeFi2.09%locked 7 days ·
7 days lock		≤50,000,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
Binance Simple EarnCeFi1.98%locked 90 days ·
90 days lock		≤100,000,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
Binance Simple EarnCeFi1.88%locked 7 days ·
7 days lock		≤10,000,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
SUI best 4.90% · MEXC Savings (0–1,000: 4.90% · ≥1,000: 0.40%)

protocol unbonding: end of epoch (~1 day) · instant

PlatformAPR/APYLock / unbondingTier limit
MEXC SavingsCeFi4.90%flexible ·
instant		0–1,000: 4.90% · ≥1,000: 0.40%
mexc.com savings page data · 2026-10-31 13:10 KST · Tier APR = subsidy APR as published; base APR 0.1%.
Bybit EarnCeFi1.17%on-chain flexible ·
~1 days redemption		≤500,000
Bybit public API v5 /earn/product · 2026-10-31 13:10 KST
Binance Simple EarnCeFi1.16%locked 60 days ·
60 days lock		≤10,000,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
Binance Simple EarnCeFi1.10%locked 7 days ·
7 days lock		≤10,000,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
Binance Simple EarnCeFi1.00%locked 90 days ·
90 days lock		≤10,000,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
OKX Simple EarnCeFi1.00%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 13:10 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
+5 more
Bitget SavingsCeFinot stated in public data0.84%flexible ·
instant		0–400,000: 0.84%
bitget.com savings page data · 2026-10-31 13:10 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
Binance Simple EarnCeFi0.80%locked 7 days ·
7 days lock		≤200,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
Bybit EarnCeFi0.70%flexible ·
instant		≤500,000
Bybit public API v5 /earn/product · 2026-10-31 13:10 KST
Gate Simple EarnCeFi0.18%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 13:10 KST · Estimated lending rate; Gate public API publishes no tier ladder.
Binance Simple EarnCeFi0.02%flexible ·
instant		≤3,891,209
binance.com simple-earn page data · 2026-10-31 13:10 KST
TON best 16.57% · TON nominator pool (TF)

protocol unbonding: ~18–36 h (validation round) · ~36 h (2 rounds)

PlatformAPR/APYLock / unbondingTier limit
TON nominator pool (TF)Native16.57%nominator pool ·
~36 h (2 rounds)		–
tonapi.io v2 /staking/pools · 2026-10-31 13:10 KST · Single-nominator / TF pool; min stake 101 TON; pool not verified by tonapi – self-custody setup required.
Hipo hTONLiquid16.01%liquid staking ·
unstake ~1–2 rounds or swap		–
DefiLlama Yields (yields.llama.fi, free API) · 2026-10-31 13:10 KST · TVL $12.3M · TON. APY incl. any reward-token emissions (0.00% reward).
Whales Club Queue #1Native13.59%nominator pool ·
~36 h (2 rounds)		–
tonapi.io v2 /staking/pools · 2026-10-31 13:10 KST · Whales nominator pool, min stake 50 TON.
KTONLiquid13.24%liquid staking ·
unstake ~1–2 rounds or swap		–
DefiLlama Yields (yields.llama.fi, free API) · 2026-10-31 13:10 KST · TVL $2.3M · TON. APY incl. any reward-token emissions (0.00% reward).
TonstakersLiquid12.64%liquid staking ·
~18–36 h round or instant swap		–
tonapi.io v2 /staking/pools · 2026-10-31 13:10 KST · Min stake 1 TON. APY as reported by tonapi.
NEAR best 4.72% · Bybit Earn

protocol unbonding: ~2–3 days (4 epochs) · ~3 days redemption

PlatformAPR/APYLock / unbondingTier limit
Bybit EarnCeFi4.72%on-chain flexible ·
~3 days redemption		≤10,000,000
Bybit public API v5 /earn/product · 2026-10-31 13:10 KST
Rhea rNEAR (ex-LiNEAR)Liquid4.59%liquid staking ·
unstake ~2–3 days or swap		–
DefiLlama Yields (yields.llama.fi, free API) · 2026-10-31 13:10 KST · TVL $75.6M · Near. APY incl. any reward-token emissions (0.00% reward).
Binance Simple EarnCeFi3.60%locked 60 days ·
60 days lock		≤1,000,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
Binance Simple EarnCeFi3.42%locked 90 days ·
90 days lock		≤100,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
Bitget SavingsCeFinot stated in public data2.34%flexible ·
instant		0–1,000,000: 2.34%
bitget.com savings page data · 2026-10-31 13:10 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
Binance Simple EarnCeFi2.20%locked 7 days ·
7 days lock		≤1,000,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
+5 more
Binance Simple EarnCeFi2.00%locked 7 days ·
7 days lock		≤100,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
Gate Simple EarnCeFi1.89%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 13:10 KST · Estimated lending rate; Gate public API publishes no tier ladder.
Bybit EarnCeFi1.00%flexible ·
instant		≤300,000
Bybit public API v5 /earn/product · 2026-10-31 13:10 KST
OKX Simple EarnCeFi1.00%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 13:10 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
Binance Simple EarnCeFi0.21%flexible ·
instant		≤796,332
binance.com simple-earn page data · 2026-10-31 13:10 KST
APT best 2.56% · Bybit Earn

protocol unbonding: 14-day recurring lockup · ~14 days redemption

PlatformAPR/APYLock / unbondingTier limit
OKX Simple EarnCeFi9.80%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 13:10 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
Bybit EarnCeFi2.56%on-chain flexible ·
~14 days redemption		≤10,000,000
Bybit public API v5 /earn/product · 2026-10-31 13:10 KST
Amnis amAPT/stAPTLiquid2.36%liquid staking ·
unstake per Aptos lockup or swap		–
DefiLlama Yields (yields.llama.fi, free API) · 2026-10-31 13:10 KST · TVL $2.8M · Aptos. APY incl. any reward-token emissions (0.00% reward).
Binance Simple EarnCeFi2.09%locked 60 days ·
60 days lock		≤1,000,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
Binance Simple EarnCeFi1.96%locked 90 days ·
90 days lock		≤2,000,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
Binance Simple EarnCeFi1.89%locked 7 days ·
7 days lock		≤1,000,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
+6 more
Binance Simple EarnCeFi1.69%locked 7 days ·
7 days lock		≤200,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
Binance Simple EarnCeFi1.69%locked 14 days ·
14 days lock		≤1,000,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
Bybit EarnCeFi1.00%flexible ·
instant		≤800,000
Bybit public API v5 /earn/product · 2026-10-31 13:10 KST
Bitget SavingsCeFinot stated in public data0.50%flexible ·
instant		0–20,000: 0.50%
bitget.com savings page data · 2026-10-31 13:10 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
Gate Simple EarnCeFi0.44%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 13:10 KST · Estimated lending rate; Gate public API publishes no tier ladder.
Binance Simple EarnCeFi0.12%flexible ·
instant		≤849,309
binance.com simple-earn page data · 2026-10-31 13:10 KST
POL best 2.50% · Binance Simple Earn

protocol unbonding: ~80 checkpoints (~2–3 days) · 60 days lock

PlatformAPR/APYLock / unbondingTier limit
OKX Simple EarnCeFi20.20%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 13:10 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
Binance Simple EarnCeFi2.50%locked 60 days ·
60 days lock		≤20,000,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
Binance Simple EarnCeFi2.20%locked 7 days ·
7 days lock		≤10,000,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
Binance Simple EarnCeFi2.20%locked 90 days ·
90 days lock		≤1,000,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
Binance Simple EarnCeFi2.14%flexible ·
instant		≤6,707,257
binance.com simple-earn page data · 2026-10-31 13:10 KST
Binance Simple EarnCeFi1.83%locked 7 days ·
7 days lock		≤5,000,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
+3 more
Bitget SavingsCeFinot stated in public data1.68%flexible ·
instant		0–400,000: 1.68%
bitget.com savings page data · 2026-10-31 13:10 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
Gate Simple EarnCeFi1.40%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 13:10 KST · Estimated lending rate; Gate public API publishes no tier ladder.
Bybit EarnCeFi0.80%flexible ·
instant		≤2,000,000
Bybit public API v5 /earn/product · 2026-10-31 13:10 KST
TIA best 3.15% · Binance Simple Earn

protocol unbonding: 21 days · 60 days lock

PlatformAPR/APYLock / unbondingTier limit
OKX Simple EarnCeFi23.00%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 13:10 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
Binance Simple EarnCeFi3.15%locked 60 days ·
60 days lock		≤2,000,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
Binance Simple EarnCeFi3.00%locked 90 days ·
90 days lock		≤300,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
Gate Simple EarnCeFi2.78%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 13:10 KST · Estimated lending rate; Gate public API publishes no tier ladder.
Binance Simple EarnCeFi2.62%locked 7 days ·
7 days lock		≤2,000,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
Binance Simple EarnCeFi2.50%locked 7 days ·
7 days lock		≤1,000,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
+3 more
Bybit EarnCeFi1.10%flexible ·
instant		≤100,000
Bybit public API v5 /earn/product · 2026-10-31 13:10 KST
Bitget SavingsCeFinot stated in public data0.79%flexible ·
instant		0–150,000: 0.79%
bitget.com savings page data · 2026-10-31 13:10 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
Binance Simple EarnCeFi0.60%flexible ·
instant		≤829,251
binance.com simple-earn page data · 2026-10-31 13:10 KST
INJ best 9.02% · INJ native staking

protocol unbonding: 21 days · 21 days

PlatformAPR/APYLock / unbondingTier limit
OKX Simple EarnCeFi11.80%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 13:10 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
INJ native stakingNative9.02%native delegation ·
21 days		–
Cosmos-SDK LCD via PublicNode (inflation × (1−community tax) ÷ bonded ratio) · 2026-10-31 13:10 KST · Gross, before validator commission (typ. 5–10%). Bonded 46% of supply.
Binance Simple EarnCeFi4.20%locked 60 days ·
60 days lock		≤2,000,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
Binance Simple EarnCeFi3.95%locked 7 days ·
7 days lock		≤2,000,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
Binance Simple EarnCeFi3.75%locked 7 days ·
7 days lock		≤300,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
Binance Simple EarnCeFi3.75%locked 90 days ·
90 days lock		≤200,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
+4 more
Gate Simple EarnCeFi3.46%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 13:10 KST · Estimated lending rate; Gate public API publishes no tier ladder.
Bybit EarnCeFi0.80%flexible ·
instant		≤20,000
Bybit public API v5 /earn/product · 2026-10-31 13:10 KST
Bitget SavingsCeFinot stated in public data0.54%flexible ·
instant		0–7,630: 0.54%
bitget.com savings page data · 2026-10-31 13:10 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
Binance Simple EarnCeFi0.04%flexible ·
instant		≤82,958
binance.com simple-earn page data · 2026-10-31 13:10 KST
SEI best 3.09% · Binance Simple Earn

protocol unbonding: 21 days · 90 days lock

PlatformAPR/APYLock / unbondingTier limit
OKX Simple EarnCeFi12.80%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 13:10 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
Binance Simple EarnCeFi3.09%locked 90 days ·
90 days lock		≤100,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
Gate Simple EarnCeFi1.64%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 13:10 KST · Estimated lending rate; Gate public API publishes no tier ladder.
Bybit EarnCeFi1.00%flexible ·
instant		≤1,500,000
Bybit public API v5 /earn/product · 2026-10-31 13:10 KST
Bitget SavingsCeFinot stated in public data0.50%flexible ·
instant		0–2,000,000: 0.50%
bitget.com savings page data · 2026-10-31 13:10 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
Binance Simple EarnCeFi0.23%flexible ·
instant		≤8,383,069
binance.com simple-earn page data · 2026-10-31 13:10 KST
ALGO best 2.52% · Binance Simple Earn

protocol unbonding: none (staking rewards, no lock) · 60 days lock

PlatformAPR/APYLock / unbondingTier limit
OKX Simple EarnCeFi17.50%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 13:10 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
Binance Simple EarnCeFi2.52%locked 60 days ·
60 days lock		≤5,000,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
Binance Simple EarnCeFi2.40%locked 90 days ·
90 days lock		≤900,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
Binance Simple EarnCeFi2.10%locked 7 days ·
7 days lock		≤5,000,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
Binance Simple EarnCeFi2.00%locked 7 days ·
7 days lock		≤2,000,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
Gate Simple EarnCeFi1.94%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 13:10 KST · Estimated lending rate; Gate public API publishes no tier ladder.
+3 more
Bitget SavingsCeFinot stated in public data1.00%flexible ·
instant		0–1,000,000: 1.00%
bitget.com savings page data · 2026-10-31 13:10 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
Bybit EarnCeFi0.80%flexible ·
instant		≤2,000,000
Bybit public API v5 /earn/product · 2026-10-31 13:10 KST
Binance Simple EarnCeFi0.10%flexible ·
instant		≤3,961,959
binance.com simple-earn page data · 2026-10-31 13:10 KST
XTZ best 3.68% · Binance Simple Earn

protocol unbonding: delegation: none · staking: ~4 cycles (~4 days) · 90 days lock

PlatformAPR/APYLock / unbondingTier limit
OKX Simple EarnCeFi24.90%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 13:10 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
Binance Simple EarnCeFi3.68%locked 90 days ·
90 days lock		≤300,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
Gate Simple EarnCeFi3.43%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 13:10 KST · Estimated lending rate; Gate public API publishes no tier ladder.
Binance Simple EarnCeFi2.19%locked 7 days ·
7 days lock		≤250,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
Bybit EarnCeFi1.27%flexible ·
instant		≤100,000
Bybit public API v5 /earn/product · 2026-10-31 13:10 KST
Binance Simple EarnCeFi1.25%flexible ·
instant		≤275,928
binance.com simple-earn page data · 2026-10-31 13:10 KST
+1 more
Bitget SavingsCeFinot stated in public data1.00%flexible ·
instant		0–500,000: 1.00%
bitget.com savings page data · 2026-10-31 13:10 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
KAVA best 3.84% · Binance Simple Earn

protocol unbonding: 21 days · instant

PlatformAPR/APYLock / unbondingTier limit
Binance Simple EarnCeFi3.84%flexible ·
instant		≤384,776
binance.com simple-earn page data · 2026-10-31 13:10 KST
Gate Simple EarnCeFi3.61%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 13:10 KST · Estimated lending rate; Gate public API publishes no tier ladder.
Bitget SavingsCeFinot stated in public data1.00%flexible ·
instant		0–800,000: 1.00%
bitget.com savings page data · 2026-10-31 13:10 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
Bybit EarnCeFi0.80%flexible ·
instant		≤500,000
Bybit public API v5 /earn/product · 2026-10-31 13:10 KST
OSMO best 5.74% · Binance Simple Earn

protocol unbonding: 14 days · instant

PlatformAPR/APYLock / unbondingTier limit
Gate Simple EarnCeFi6.96%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 13:10 KST · Estimated lending rate; Gate public API publishes no tier ladder.
Binance Simple EarnCeFi5.74%flexible ·
instant		≤333,176
binance.com simple-earn page data · 2026-10-31 13:10 KST
EGLD best 0.94% · Binance Simple Earn

protocol unbonding: 10 days · instant

PlatformAPR/APYLock / unbondingTier limit
OKX Simple EarnCeFi38.10%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 13:10 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
Binance Simple EarnCeFi0.94%flexible ·
instant		≤17,316
binance.com simple-earn page data · 2026-10-31 13:10 KST
Gate Simple EarnCeFi0.81%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 13:10 KST · Estimated lending rate; Gate public API publishes no tier ladder.
Bybit EarnCeFi0.80%flexible ·
instant		≤10,000
Bybit public API v5 /earn/product · 2026-10-31 13:10 KST
S best 3.78% · Binance Simple Earn

protocol unbonding: 14 days · 60 days lock

PlatformAPR/APYLock / unbondingTier limit
OKX Simple EarnCeFi10.80%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 13:10 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
Bitget SavingsCeFinot stated in public data5.41%flexible ·
instant		0–2,000,000: 5.41%
bitget.com savings page data · 2026-10-31 13:10 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
Binance Simple EarnCeFi3.78%locked 60 days ·
60 days lock		≤10,000,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
Binance Simple EarnCeFi3.60%locked 90 days ·
90 days lock		≤2,000,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
Binance Simple EarnCeFi3.15%locked 7 days ·
7 days lock		≤10,000,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
Binance Simple EarnCeFi3.00%locked 7 days ·
7 days lock		≤10,000,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
+3 more
Gate Simple EarnCeFi1.26%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 13:10 KST · Estimated lending rate; Gate public API publishes no tier ladder.
Bybit EarnCeFi0.92%flexible ·
instant		≤500,000
Bybit public API v5 /earn/product · 2026-10-31 13:10 KST
Binance Simple EarnCeFi0.72%flexible ·
instant		≤7,844,260
binance.com simple-earn page data · 2026-10-31 13:10 KST
HBAR best 0.80% · Bybit Earn

protocol unbonding: none (native staking, no lock) · instant

PlatformAPR/APYLock / unbondingTier limit
OKX Simple EarnCeFi1.00%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 13:10 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
Gate Simple EarnCeFi0.93%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 13:10 KST · Estimated lending rate; Gate public API publishes no tier ladder.
Bybit EarnCeFi0.80%flexible ·
instant		≤1,000,000
Bybit public API v5 /earn/product · 2026-10-31 13:10 KST
Bitget SavingsCeFinot stated in public data0.50%flexible ·
instant		0–650,000: 0.50%
bitget.com savings page data · 2026-10-31 13:10 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
Binance Simple EarnCeFi0.01%flexible ·
instant		≤11,691,921
binance.com simple-earn page data · 2026-10-31 13:10 KST
KSM best 5.10% · Binance Simple Earn

protocol unbonding: 7 days · 90 days lock

PlatformAPR/APYLock / unbondingTier limit
OKX Simple EarnCeFi11.70%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 13:10 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
Binance Simple EarnCeFi5.10%locked 90 days ·
90 days lock		≤100,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
Binance Simple EarnCeFi5.10%locked 120 days ·
120 days lock		≤500
binance.com simple-earn page data · 2026-10-31 13:10 KST
Binance Simple EarnCeFi4.20%locked 7 days ·
7 days lock		≤100,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
Gate Simple EarnCeFi2.40%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 13:10 KST · Estimated lending rate; Gate public API publishes no tier ladder.
Binance Simple EarnCeFi1.61%flexible ·
instant		≤11,428
binance.com simple-earn page data · 2026-10-31 13:10 KST
+2 more
Bybit EarnCeFi1.32%flexible ·
instant		≤10,000
Bybit public API v5 /earn/product · 2026-10-31 13:10 KST
Bitget SavingsCeFinot stated in public data0.50%flexible ·
instant		0–50,000: 0.50%
bitget.com savings page data · 2026-10-31 13:10 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
ICP best 7.90% · WaterNeuron nICP

protocol unbonding: neuron dissolve delay (≥6 months for rewards) · unstake ~6 months or swap

PlatformAPR/APYLock / unbondingTier limit
WaterNeuron nICPLiquid7.90%liquid staking ·
unstake ~6 months or swap		–
DefiLlama Yields (yields.llama.fi, free API) · 2026-10-31 13:10 KST · TVL $6.1M · ICP. APY incl. any reward-token emissions (0.00% reward).
Binance Simple EarnCeFi1.50%locked 90 days ·
90 days lock		≤500,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
Binance Simple EarnCeFi1.10%locked 7 days ·
7 days lock		≤200,000
binance.com simple-earn page data · 2026-10-31 13:10 KST
OKX Simple EarnCeFi1.00%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 13:10 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
Bitget SavingsCeFinot stated in public data1.00%flexible ·
instant		0–90,000: 1.00%
bitget.com savings page data · 2026-10-31 13:10 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
Gate Simple EarnCeFi0.89%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 13:10 KST · Estimated lending rate; Gate public API publishes no tier ladder.
+2 more
Bybit EarnCeFi0.80%flexible ·
instant		≤50,000
Bybit public API v5 /earn/product · 2026-10-31 13:10 KST
Binance Simple EarnCeFi0.35%flexible ·
instant		≤375,009
binance.com simple-earn page data · 2026-10-31 13:10 KST
MINA best 1.06% · Binance Simple Earn

protocol unbonding: none (delegation) · instant

PlatformAPR/APYLock / unbondingTier limit
OKX Simple EarnCeFi10.50%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 13:10 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
Gate Simple EarnCeFi1.36%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 13:10 KST · Estimated lending rate; Gate public API publishes no tier ladder.
Binance Simple EarnCeFi1.06%flexible ·
instant		≤1,844,961
binance.com simple-earn page data · 2026-10-31 13:10 KST
Bitget SavingsCeFinot stated in public data1.00%flexible ·
instant		0–2,000,000: 1.00%
bitget.com savings page data · 2026-10-31 13:10 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
Bybit EarnCeFi0.80%flexible ·
instant		≤100,000
Bybit public API v5 /earn/product · 2026-10-31 13:10 KST
ROSE best 0.80% · Bybit Earn

protocol unbonding: 14 days · instant

PlatformAPR/APYLock / unbondingTier limit
Gate Simple EarnCeFi1.66%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 13:10 KST · Estimated lending rate; Gate public API publishes no tier ladder.
Bitget SavingsCeFinot stated in public data1.00%flexible ·
instant		0–5,000,000: 1.00%
bitget.com savings page data · 2026-10-31 13:10 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
Bybit EarnCeFi0.80%flexible ·
instant		≤500,000
Bybit public API v5 /earn/product · 2026-10-31 13:10 KST
Binance Simple EarnCeFi0.12%flexible ·
instant		≤17,674,543
binance.com simple-earn page data · 2026-10-31 13:10 KST
FLOW best 7.90% · Ankr ankrFLOW

protocol unbonding: ~1 epoch (~7 days) · unstake ~1 epoch or swap

PlatformAPR/APYLock / unbondingTier limit
OKX Simple EarnCeFi10.00%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 13:10 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
Ankr ankrFLOWLiquid7.90%liquid staking ·
unstake ~1 epoch or swap		–
DefiLlama Yields (yields.llama.fi, free API) · 2026-10-31 13:10 KST · TVL $5.0M · Flow. APY incl. any reward-token emissions (0.00% reward).
Gate Simple EarnCeFi3.18%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 13:10 KST · Estimated lending rate; Gate public API publishes no tier ladder.
Bybit EarnCeFi0.80%flexible ·
instant		≤95,334,058
Bybit public API v5 /earn/product · 2026-10-31 13:10 KST
Binance Simple EarnCeFi0.30%flexible ·
instant		≤1,951,456
binance.com simple-earn page data · 2026-10-31 13:10 KST
CRO

protocol unbonding: 28 days

PlatformAPR/APYLock / unbondingTier limit
OKX Simple EarnCeFi5.50%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 13:10 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
Gate Simple EarnCeFi1.56%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 13:10 KST · Estimated lending rate; Gate public API publishes no tier ladder.
FLR best 7.67% · Sceptre sFLR

protocol unbonding: delegation: none · staking: locked to validator term · unstake ~14.5 days or swap

PlatformAPR/APYLock / unbondingTier limit
Sceptre sFLRLiquid7.67%liquid staking ·
unstake ~14.5 days or swap		–
DefiLlama Yields (yields.llama.fi, free API) · 2026-10-31 13:10 KST · TVL $13.0M · Flare. APY incl. any reward-token emissions (0.00% reward).
Bybit EarnCeFi0.80%flexible ·
instant		≤50,000,000
Bybit public API v5 /earn/product · 2026-10-31 13:10 KST
Gate Simple EarnCeFi0.31%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 13:10 KST · Estimated lending rate; Gate public API publishes no tier ladder.
BTC best 0.50% · OKX Simple Earn

protocol unbonding: – · reference: flexible earn · instant

PlatformAPR/APYLock / unbondingTier limit
MEXC SavingsCeFi⚠ suspicious: outlier vs median 0.3%6.99%flexible ·
instant		0–0.002: 6.99% · 0.002–0.03: 0.29% · ≥0.03: 0.09%
mexc.com savings page data · 2026-10-31 13:02 KST · Tier APR = subsidy APR as published; base APR 0.01%.
Bitget SavingsCeFinot stated in public data1.88%flexible ·
instant		0–0.003: 1.88% · 0.003–100: 0.12%
bitget.com savings page data · 2026-10-31 13:02 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
Bitget SavingsCeFinot stated in public data1.00%flexible ·
instant		0–5: 1.00% · 5–20: 0.60%
bitget.com savings page data · 2026-10-31 13:02 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
OKX Simple EarnCeFi0.50%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 13:02 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
Bybit EarnCeFi0.40%flexible ·
instant		0–0.003: 0.40% · ≥0.003: 0.10%
Bybit public API v5 /earn/product · 2026-10-31 13:02 KST
Binance Simple EarnCeFi0.27%flexible ·
instant		0–0.01: 0.27%
binance.com simple-earn page data · 2026-10-31 13:02 KST · Tier rate = real-time base APR + tier bonus APR (Binance shows the bonus separately).
+3 more
Bitget SavingsCeFinot stated in public data0.15%flexible ·
instant		0–200: 0.15%
bitget.com savings page data · 2026-10-31 13:02 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
Gate Simple EarnCeFi0.10%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 13:02 KST · Estimated lending rate; Gate public API publishes no tier ladder.
Aave v3 (Ethereum)DeFi0.00%flexible ·
instant		–
Aave official API (api.v3.aave.com) · 2026-10-31 13:02 KST · Supply WBTC; variable rate.
USDT best 9.90% · MEXC Savings (0–1,000: 3.90% · 1,000–10,000: 4.90% · 10,000–50,000: 5.20% …)

protocol unbonding: – · reference: flexible earn · instant

PlatformAPR/APYLock / unbondingTier limit
MEXC SavingsCeFi9.90%flexible ·
instant		0–1,000: 3.90% · 1,000–10,000: 4.90% · 10,000–50,000: 5.20% …
mexc.com savings page data · 2026-10-31 13:02 KST · Tier APR = subsidy APR as published; base APR 0.1%.
Bitget SavingsCeFinot stated in public data7.61%flexible ·
instant		0–300: 7.61% · 300–120,000,000: 2.95%
bitget.com savings page data · 2026-10-31 13:02 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
Compound v3 (Ethereum)DeFi7.53%flexible ·
instant		–
on-chain Comet getSupplyRate (PublicNode RPC) · 2026-10-31 13:02 KST · Base supply APY, excl. COMP rewards.
Binance Simple EarnCeFi7.06%flexible ·
instant		0–300: 7.06%
binance.com simple-earn page data · 2026-10-31 13:02 KST · Tier rate = real-time base APR + tier bonus APR (Binance shows the bonus separately).
Bybit EarnCeFi7.05%flexible ·
instant		0–100: 7.05% · ≥100: 2.05%
Bybit public API v5 /earn/product · 2026-10-31 13:02 KST
OKX Simple EarnCeFi6.50%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 13:02 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
+11 more
Aave v3 (Ethereum)DeFi6.45%flexible ·
instant		–
Aave official API (api.v3.aave.com) · 2026-10-31 13:02 KST · Supply USDT; variable rate.
Bybit EarnCeFi6.39%on-chain flexible ·
~3 days redemption		≤15,000,000
Bybit public API v5 /earn/product · 2026-10-31 13:02 KST
MEXC SavingsCeFi5.90%flexible ·
instant		0–200: 5.90% · 200–500: 2.40% · ≥500: 0.20%
mexc.com savings page data · 2026-10-31 13:02 KST · Tier APR = subsidy APR as published; base APR 0.1%.
Bybit EarnCeFi5.00%on-chain flexible ·
~0 h redemption		≤100,000,000
Bybit public API v5 /earn/product · 2026-10-31 13:02 KST
Bitget SavingsCeFinot stated in public data5.00%flexible ·
instant		0–300,000: 5.00% · 300,000–10,000,000: 3.50%
bitget.com savings page data · 2026-10-31 13:02 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
Kamino Lend (Solana main)DeFi4.27%flexible ·
instant		–
Kamino official API (api.kamino.finance) · 2026-10-31 13:02 KST
Bitget SavingsCeFinot stated in public data4.00%flexible ·
instant		0–300,000: 4.00% · 300,000–50,000,000: 2.88%
bitget.com savings page data · 2026-10-31 13:02 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
Morpho vault: Smokehouse USDTDeFi3.65%flexible ·
instant		–
Morpho official API (blue-api.morpho.org) · 2026-10-31 13:02 KST · Vault TVL $20M; net APY incl. rewards, after fee.
Spark (Ethereum)DeFi3.59%flexible ·
instant		–
on-chain Spark Pool getReserveData (PublicNode RPC) · 2026-10-31 13:02 KST
Morpho vault: Steakhouse USDTDeFi2.84%flexible ·
instant		–
Morpho official API (blue-api.morpho.org) · 2026-10-31 13:02 KST · Vault TVL $78M; net APY incl. rewards, after fee.
Gate Simple EarnCeFi2.59%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 13:02 KST · Estimated lending rate; Gate public API publishes no tier ladder.
USDC best 7.60% · Morpho vault: Yearn OG USDC

protocol unbonding: – · reference: flexible earn · instant

PlatformAPR/APYLock / unbondingTier limit
Morpho vault: Yearn OG USDCDeFi7.60%flexible ·
instant		–
Morpho official API (blue-api.morpho.org) · 2026-10-31 13:02 KST · Vault TVL $10M; net APY incl. rewards, after fee.
Bybit EarnCeFi7.17%on-chain flexible ·
~3 days redemption		≤8,000,000
Bybit public API v5 /earn/product · 2026-10-31 13:02 KST
Morpho vault: Smokehouse USDCDeFi7.12%flexible ·
instant		–
Morpho official API (blue-api.morpho.org) · 2026-10-31 13:02 KST · Vault TVL $11M; net APY incl. rewards, after fee.
Bitget SavingsCeFinot stated in public data6.66%flexible ·
instant		0–300: 6.66% · 300–1,000,000: 3.70%
bitget.com savings page data · 2026-10-31 13:02 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
Morpho vault: Steakhouse USDCDeFi6.15%flexible ·
instant		–
Morpho official API (blue-api.morpho.org) · 2026-10-31 13:02 KST · Vault TVL $63M; net APY incl. rewards, after fee.
Morpho vault: Gauntlet USDC PrimeDeFi6.09%flexible ·
instant		–
Morpho official API (blue-api.morpho.org) · 2026-10-31 13:02 KST · Vault TVL $22M; net APY incl. rewards, after fee.
+13 more
Bitget SavingsCeFinot stated in public data6.00%flexible ·
instant		0–300,000: 6.00% · 300,000–10,000,000: 3.50%
bitget.com savings page data · 2026-10-31 13:02 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
MEXC SavingsCeFi5.90%flexible ·
instant		0–100: 5.90% · ≥100: 0.90%
mexc.com savings page data · 2026-10-31 13:02 KST · Tier APR = subsidy APR as published; base APR 0.1%.
Aave v3 (Ethereum)DeFi5.61%flexible ·
instant		–
Aave official API (api.v3.aave.com) · 2026-10-31 13:02 KST · Supply USDC; variable rate.
Morpho vault: Hakutora USDCDeFi5.35%flexible ·
instant		–
Morpho official API (blue-api.morpho.org) · 2026-10-31 13:02 KST · Vault TVL $14M; net APY incl. rewards, after fee.
Binance Simple EarnCeFi5.23%flexible ·
instant		0–10,000: 5.23%
binance.com simple-earn page data · 2026-10-31 13:02 KST · Tier rate = real-time base APR + tier bonus APR (Binance shows the bonus separately).
Bybit EarnCeFi5.23%flexible ·
instant		0–100: 5.23% · ≥100: 2.23%
Bybit public API v5 /earn/product · 2026-10-31 13:02 KST
Bybit EarnCeFi5.00%on-chain flexible ·
~0 h redemption		≤100,000,000
Bybit public API v5 /earn/product · 2026-10-31 13:02 KST
Compound v3 (Ethereum)DeFi4.62%flexible ·
instant		–
on-chain Comet getSupplyRate (PublicNode RPC) · 2026-10-31 13:02 KST · Base supply APY, excl. COMP rewards.
OKX Simple EarnCeFi4.50%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 13:02 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
Spark (Ethereum)DeFi3.94%flexible ·
instant		–
on-chain Spark Pool getReserveData (PublicNode RPC) · 2026-10-31 13:02 KST
Kamino Lend (Solana main)DeFi3.79%flexible ·
instant		–
Kamino official API (api.kamino.finance) · 2026-10-31 13:02 KST
Gate Simple EarnCeFi3.03%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 13:02 KST · Estimated lending rate; Gate public API publishes no tier ladder.
Bitget SavingsCeFinot stated in public data2.28%flexible ·
instant		0–10,000,000: 2.28%
bitget.com savings page data · 2026-10-31 13:02 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
ℹ️ How to read this

“Flexible lending” rows (OKX, Gate) are margin-lending market rates, not staking, and are not counted as best for staking coins. Native APR is computed from chain data, gross before validator commission. Exchange rates are as published (often tiered: the top rate applies only up to the tier limit). “Best” ignores promo / restricted products. APR and APY are shown as each source publishes them. ⚠ = suspicious: an exchange rate ≥2.5× the coin’s median (+5pp), or a DefiLlama outlier / pool TVL < $2M – shown but never counted as best.

Source status
  • ✅ Solana RPC (native) – working 2026-10-31 13:10 KST
  • ✅ Cosmos LCD / PublicNode (ATOM, INJ native) – working 2026-10-31 13:10 KST
  • ✅ Lido API – working 2026-10-31 13:10 KST
  • ✅ Rocket Pool API – working 2026-10-31 13:10 KST
  • ✅ Jito API – working 2026-10-31 13:10 KST
  • ✅ Marinade API – working 2026-10-31 13:10 KST
  • ✅ OKX ETH/SOL staking API – working 2026-10-31 13:10 KST
  • ✅ tonapi.io staking pools (TON) – working 2026-10-31 13:10 KST
  • ✅ DefiLlama Yields (curated LST pools) – working 2026-10-31 13:10 KST
  • ✅ Binance Simple Earn / Staking (extra coins) – working 2026-10-31 13:10 KST
  • ✅ Bybit Earn (Flexible + On-chain) (extra coins) – working 2026-10-31 13:10 KST
  • ✅ OKX Simple Earn (lending) (extra coins) – working 2026-10-31 13:10 KST
  • ✅ Bitget Savings (extra coins) – working 2026-10-31 13:10 KST
  • ✅ Gate Simple Earn (lending) (extra coins) – working 2026-10-31 13:10 KST
  • ✅ MEXC Savings/Staking (extra coins) – working 2026-10-31 13:10 KST
  • ✅ earn.json (yields.py: ETH/SOL/BNB/BTC/USDT/USDC) – working 2026-10-31 13:02 KST
  • · StakingRewards – Not supported (no public API): Paid API; terms forbid scraping/redistribution – not used.
  • · Coinbase staking – Not supported (no public API): No public unauthenticated rate endpoint – not used.
  • · Kraken staking – Not supported (no public API): Earn strategies API requires an API key – not used.
  • · KuCoin / HTX / Crypto.com earn – Not supported (no public API): No public unauthenticated product-rate endpoint found – not used.
  • · Native APR: ETH, BNB, ADA, DOT, AVAX, TRX, SUI, NEAR, APT, POL, TIA, SEI and most new coins – Not supported (no public API): No free official endpoint giving the network rate directly without a paid indexer (Subscan/Beaconcha.in keys) – exchange & liquid rows only.

Updated 2026-10-31 13:10 KST

Tier ladders by coin

USDT best 9.90% · 21
PlatformTypeTier ladder (amount in coin → APR/APY)EligibilityPer-user cap
MEXC SavingsCeFiflexible0–1,000: 3.90%
1,000–10,000: 4.90%
10,000–50,000: 5.20%
50,000–100,000: 5.90%
100,000–110,000: 9.90%
≥110,000: 1.50%		all users–
mexc.com savings page data · 2026-10-31 13:25 KST · Tier APR = subsidy APR as published; base APR 0.1%.
Bitget SavingsCeFinot stated in public dataflexible0–300: 7.61%
300–120,000,000: 2.95%		not stated in public data–
bitget.com savings page data · 2026-10-31 13:25 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
Compound v3 (Ethereum)DeFiflexible≥0: 7.53%all users–
on-chain Comet getSupplyRate (PublicNode RPC) · 2026-10-31 13:25 KST · Base supply APY, excl. COMP rewards.
Binance Simple EarnCeFiflexible0–300: 7.05%
above 300: 3.05%		all users–
binance.com simple-earn page data · 2026-10-31 13:25 KST · Tier rate = real-time base APR + tier bonus APR (Binance shows the bonus separately).
Bybit EarnCeFiflexible0–100: 7.05%
≥100: 2.05%		all users100,000,000
Bybit public API v5 /earn/product · 2026-10-31 13:25 KST
OKX Simple EarnCeFiflexible≥0: 6.60%all users–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 13:25 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
Aave v3 (Ethereum)DeFiflexible≥0: 6.44%all users–
Aave official API (api.v3.aave.com) · 2026-10-31 13:25 KST · Supply USDT; variable rate.
Bybit EarnCeFiflexible (on-chain)≥0: 6.39%all users15,000,000
Bybit public API v5 /earn/product · 2026-10-31 13:25 KST
MEXC SavingsCeFiflexible0–200: 5.90%
200–500: 2.40%
≥500: 0.20%		all users20,000,000
mexc.com savings page data · 2026-10-31 13:25 KST · Tier APR = subsidy APR as published; base APR 0.1%.
Bybit EarnCeFiflexible (on-chain)≥0: 5.00%all users100,000,000
Bybit public API v5 /earn/product · 2026-10-31 13:25 KST
Bitget SavingsCeFinot stated in public dataflexible0–300,000: 5.00%
300,000–10,000,000: 3.50%		not stated in public data–
bitget.com savings page data · 2026-10-31 13:25 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
Kamino Lend (Solana main)DeFiflexible≥0: 4.30%all users–
Kamino official API (api.kamino.finance) · 2026-10-31 13:25 KST
Bitget SavingsCeFinot stated in public dataflexible0–300,000: 4.00%
300,000–50,000,000: 2.88%		not stated in public data–
bitget.com savings page data · 2026-10-31 13:25 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
Morpho vault: Smokehouse USDTDeFiflexible≥0: 3.65%all users–
Morpho official API (blue-api.morpho.org) · 2026-10-31 13:25 KST · Vault TVL $20M; net APY incl. rewards, after fee.
Spark (Ethereum)DeFiflexible≥0: 3.59%all users–
on-chain Spark Pool getReserveData (PublicNode RPC) · 2026-10-31 13:25 KST
Morpho vault: Steakhouse USDTDeFiflexible≥0: 2.84%all users–
Morpho official API (blue-api.morpho.org) · 2026-10-31 13:25 KST · Vault TVL $78M; net APY incl. rewards, after fee.
Gate Simple EarnCeFiflexible≥0: 2.60%all users–
Gate public API v4 /earn/uni/rate · 2026-10-31 13:25 KST · Estimated lending rate; Gate public API publishes no tier ladder.
MEXC SavingsCeFipromorestricted (EFTD)locked0–200: 600.00%restricted (EFTD)200
mexc.com savings page data · 2026-10-31 13:25 KST · Tier APR = subsidy APR as published; base APR 600.0%. Fixed term: 2 unit(s) (type 2).
Bitget SavingsCeFinot stated in public datalocked 14 days0–3,000,000: 3.20%not stated in public data–
bitget.com savings page data · 2026-10-31 13:25 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
Bitget SavingsCeFinot stated in public datalocked 7 days0–5,000,000: 3.00%not stated in public data–
bitget.com savings page data · 2026-10-31 13:25 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
Bitget SavingsCeFinot stated in public datalocked 7 days0–5,000,000: 1.30%not stated in public data–
bitget.com savings page data · 2026-10-31 13:25 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
USDC best 7.60% · 19
PlatformTypeTier ladder (amount in coin → APR/APY)EligibilityPer-user cap
Morpho vault: Yearn OG USDCDeFiflexible≥0: 7.60%all users–
Morpho official API (blue-api.morpho.org) · 2026-10-31 13:25 KST · Vault TVL $10M; net APY incl. rewards, after fee.
Bybit EarnCeFiflexible (on-chain)≥0: 7.17%all users8,000,000
Bybit public API v5 /earn/product · 2026-10-31 13:25 KST
Morpho vault: Smokehouse USDCDeFiflexible≥0: 6.90%all users–
Morpho official API (blue-api.morpho.org) · 2026-10-31 13:25 KST · Vault TVL $11M; net APY incl. rewards, after fee.
Bitget SavingsCeFinot stated in public dataflexible0–300: 6.66%
300–1,000,000: 3.70%		not stated in public data–
bitget.com savings page data · 2026-10-31 13:25 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
Morpho vault: Steakhouse USDCDeFiflexible≥0: 6.16%all users–
Morpho official API (blue-api.morpho.org) · 2026-10-31 13:25 KST · Vault TVL $63M; net APY incl. rewards, after fee.
Morpho vault: Gauntlet USDC PrimeDeFiflexible≥0: 6.04%all users–
Morpho official API (blue-api.morpho.org) · 2026-10-31 13:25 KST · Vault TVL $22M; net APY incl. rewards, after fee.
Bitget SavingsCeFinot stated in public dataflexible0–300,000: 6.00%
300,000–10,000,000: 3.50%		not stated in public data–
bitget.com savings page data · 2026-10-31 13:25 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
MEXC SavingsCeFiflexible0–100: 5.90%
≥100: 0.90%		all users20,000,000
mexc.com savings page data · 2026-10-31 13:25 KST · Tier APR = subsidy APR as published; base APR 0.1%.
Aave v3 (Ethereum)DeFiflexible≥0: 5.61%all users–
Aave official API (api.v3.aave.com) · 2026-10-31 13:25 KST · Supply USDC; variable rate.
Morpho vault: Hakutora USDCDeFiflexible≥0: 5.42%all users–
Morpho official API (blue-api.morpho.org) · 2026-10-31 13:25 KST · Vault TVL $14M; net APY incl. rewards, after fee.
Binance Simple EarnCeFiflexible0–10,000: 5.23%
above 10,000: 3.23%		all users300,000,000
binance.com simple-earn page data · 2026-10-31 13:25 KST · Tier rate = real-time base APR + tier bonus APR (Binance shows the bonus separately).
Bybit EarnCeFiflexible0–100: 5.21%
≥100: 2.21%		all users200,000,000
Bybit public API v5 /earn/product · 2026-10-31 13:25 KST
Bybit EarnCeFiflexible (on-chain)≥0: 5.00%all users100,000,000
Bybit public API v5 /earn/product · 2026-10-31 13:25 KST
Compound v3 (Ethereum)DeFiflexible≥0: 4.62%all users–
on-chain Comet getSupplyRate (PublicNode RPC) · 2026-10-31 13:25 KST · Base supply APY, excl. COMP rewards.
OKX Simple EarnCeFiflexible≥0: 4.50%all users–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 13:25 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
Spark (Ethereum)DeFiflexible≥0: 3.94%all users–
on-chain Spark Pool getReserveData (PublicNode RPC) · 2026-10-31 13:25 KST
Kamino Lend (Solana main)DeFiflexible≥0: 3.78%all users–
Kamino official API (api.kamino.finance) · 2026-10-31 13:25 KST
Gate Simple EarnCeFiflexible≥0: 3.05%all users–
Gate public API v4 /earn/uni/rate · 2026-10-31 13:25 KST · Estimated lending rate; Gate public API publishes no tier ladder.
Bitget SavingsCeFinot stated in public dataflexible0–10,000,000: 2.28%not stated in public data–
bitget.com savings page data · 2026-10-31 13:25 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
USDS best 3.80% · 1
PlatformTypeTier ladder (amount in coin → APR/APY)EligibilityPer-user cap
Sky sUSDSDeFiflexible≥0: 3.80%all users–
on-chain sUSDS ssr() (PublicNode RPC) · 2026-10-31 13:25 KST · Sky Savings Rate; USDS (convertible 1:1 from DAI/USDC via Sky).
USDe best 5.00% · 1
PlatformTypeTier ladder (amount in coin → APR/APY)EligibilityPer-user cap
Ethena sUSDeDeFiflexible (7d unstake)≥0: 5.00%all users–
ethena.fi official yield API · 2026-10-31 13:25 KST · Staking yield as published (28 Oct 26); variable, synthetic-dollar risk.
BTC best 6.99% · 11
PlatformTypeTier ladder (amount in coin → APR/APY)EligibilityPer-user cap
MEXC SavingsCeFiflexible0–0.002: 6.99%
0.002–0.03: 0.29%
≥0.03: 0.09%		all users100
mexc.com savings page data · 2026-10-31 13:25 KST · Tier APR = subsidy APR as published; base APR 0.01%.
Bitget SavingsCeFinot stated in public dataflexible0–0.003: 1.88%
0.003–100: 0.12%		not stated in public data–
bitget.com savings page data · 2026-10-31 13:25 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
Bitget SavingsCeFinot stated in public dataflexible0–5: 1.00%
5–20: 0.60%		not stated in public data–
bitget.com savings page data · 2026-10-31 13:25 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
OKX Simple EarnCeFiflexible≥0: 0.50%all users–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 13:25 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
Bybit EarnCeFiflexible0–0.003: 0.40%
≥0.003: 0.10%		all users1,500
Bybit public API v5 /earn/product · 2026-10-31 13:25 KST
Binance Simple EarnCeFiflexible0–0.01: 0.27%
above 0.01: 0.02%		all users4,200,000
binance.com simple-earn page data · 2026-10-31 13:25 KST · Tier rate = real-time base APR + tier bonus APR (Binance shows the bonus separately).
Bitget SavingsCeFinot stated in public dataflexible0–200: 0.15%not stated in public data–
bitget.com savings page data · 2026-10-31 13:25 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
Gate Simple EarnCeFiflexible≥0: 0.10%all users–
Gate public API v4 /earn/uni/rate · 2026-10-31 13:25 KST · Estimated lending rate; Gate public API publishes no tier ladder.
Aave v3 (Ethereum)DeFiflexible≥0: 0.00%all users–
Aave official API (api.v3.aave.com) · 2026-10-31 13:25 KST · Supply WBTC; variable rate.
MEXC SavingsCeFipromorestricted (EFTD)locked0–0.005: 600.00%restricted (EFTD)0.005
mexc.com savings page data · 2026-10-31 13:25 KST · Tier APR = subsidy APR as published; base APR 600.0%. Fixed term: 1 unit(s) (type 2).
Bybit EarnCeFilocked 45 days≥0: 1.20%all users200
Bybit public API v5 /earn/product · 2026-10-31 13:25 KST
ETH best 6.90% · 19
PlatformTypeTier ladder (amount in coin → APR/APY)EligibilityPer-user cap
MEXC SavingsCeFiflexible0–0.05: 6.90%
0.05–0.3: 1.90%
≥0.3: 0.90%		all users–
mexc.com savings page data · 2026-10-31 13:25 KST · Tier APR = subsidy APR as published; base APR 0.1%.
Bitget SavingsCeFinot stated in public dataflexible0–0.1: 6.66%
0.1–1,000: 1.30%		not stated in public data–
bitget.com savings page data · 2026-10-31 13:25 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
Spark (Ethereum)DeFiflexible≥0: 3.50%all users–
on-chain Spark Pool getReserveData (PublicNode RPC) · 2026-10-31 13:25 KST
Bybit EarnCeFiflexible (on-chain)≥0: 2.17%all users10,000
Bybit public API v5 /earn/product · 2026-10-31 13:25 KST
Bybit EarnCeFiflexible (on-chain)≥0: 2.12%all users5,000
Bybit public API v5 /earn/product · 2026-10-31 13:25 KST
Gate Simple EarnCeFiflexible≥0: 1.83%all users–
Gate public API v4 /earn/uni/rate · 2026-10-31 13:25 KST · Estimated lending rate; Gate public API publishes no tier ladder.
Aave v3 (Ethereum)DeFiflexible≥0: 1.52%all users–
Aave official API (api.v3.aave.com) · 2026-10-31 13:25 KST · Supply WETH; variable rate.
Bitget SavingsCeFinot stated in public dataflexible0–2,000: 1.35%not stated in public data–
bitget.com savings page data · 2026-10-31 13:25 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
Binance Simple EarnCeFiflexible0–0.2: 1.24%
above 0.2: 1.14%		all users58,471
binance.com simple-earn page data · 2026-10-31 13:25 KST · Tier rate = real-time base APR + tier bonus APR (Binance shows the bonus separately).
OKX Simple EarnCeFiflexible≥0: 1.00%all users–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 13:25 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
Bybit EarnCeFiflexible≥0: 0.80%all users6,000
Bybit public API v5 /earn/product · 2026-10-31 13:25 KST
MEXC SavingsCeFipromorestricted (EFTD)locked0–0.1: 200.00%restricted (EFTD)0.1
mexc.com savings page data · 2026-10-31 13:25 KST · Tier APR = subsidy APR as published; base APR 200.0%. Fixed term: 1 unit(s) (type 2).
Binance Simple EarnCeFilocked 60 days≥0: 1.90%all users20,000
binance.com simple-earn page data · 2026-10-31 13:25 KST
Binance Simple EarnCeFilocked 7 days≥0: 1.70%all users10,000
binance.com simple-earn page data · 2026-10-31 13:25 KST
Binance Simple EarnCeFilocked 90 days≥0: 1.70%all users20,000
binance.com simple-earn page data · 2026-10-31 13:25 KST
Bitget SavingsCeFinot stated in public datalocked 7 days0–2,000: 1.50%not stated in public data–
bitget.com savings page data · 2026-10-31 13:25 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
Bitget SavingsCeFinot stated in public datalocked 14 days0–300: 1.32%not stated in public data–
bitget.com savings page data · 2026-10-31 13:25 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
Binance Simple EarnCeFilocked 7 days≥0: 1.30%all users10,000
binance.com simple-earn page data · 2026-10-31 13:25 KST
Bitget SavingsCeFinot stated in public datalocked 7 days0–100: 1.30%not stated in public data–
bitget.com savings page data · 2026-10-31 13:25 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
SOL best 5.90% · 16
PlatformTypeTier ladder (amount in coin → APR/APY)EligibilityPer-user cap
MEXC SavingsCeFiflexible0–3: 5.90%
≥3: 2.90%		all users–
mexc.com savings page data · 2026-10-31 13:25 KST · Tier APR = subsidy APR as published; base APR 0.1%.
Bybit EarnCeFiflexible (on-chain)≥0: 4.78%all users100,001
Bybit public API v5 /earn/product · 2026-10-31 13:25 KST
Bybit EarnCeFiflexible (on-chain)≥0: 4.30%all users10,000
Bybit public API v5 /earn/product · 2026-10-31 13:25 KST
OKX Simple EarnCeFiflexible≥0: 4.00%all users–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 13:25 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
Kamino Lend (Solana main)DeFiflexible≥0: 3.91%all users–
Kamino official API (api.kamino.finance) · 2026-10-31 13:25 KST
Gate Simple EarnCeFiflexible≥0: 2.87%all users–
Gate public API v4 /earn/uni/rate · 2026-10-31 13:25 KST · Estimated lending rate; Gate public API publishes no tier ladder.
Bitget SavingsCeFinot stated in public dataflexible0–5,000: 2.80%not stated in public data–
bitget.com savings page data · 2026-10-31 13:25 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
Bitget SavingsCeFinot stated in public dataflexible0–50,000: 2.60%not stated in public data–
bitget.com savings page data · 2026-10-31 13:25 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
Binance Simple EarnCeFiflexible≥0: 2.22%all users353,049
binance.com simple-earn page data · 2026-10-31 13:25 KST
Bybit EarnCeFiflexible≥0: 0.80%all users20,000
Bybit public API v5 /earn/product · 2026-10-31 13:25 KST
MEXC SavingsCeFipromorestricted (EFTD)locked0–2: 200.00%restricted (EFTD)2
mexc.com savings page data · 2026-10-31 13:25 KST · Tier APR = subsidy APR as published; base APR 200.0%. Fixed term: 1 unit(s) (type 2).
Binance Simple EarnCeFilocked 60 days≥0: 3.90%all users2,000,000
binance.com simple-earn page data · 2026-10-31 13:25 KST
Binance Simple EarnCeFilocked 90 days≥0: 3.80%all users500,000
binance.com simple-earn page data · 2026-10-31 13:25 KST
Binance Simple EarnCeFilocked 7 days≥0: 3.20%all users2,000,000
binance.com simple-earn page data · 2026-10-31 13:25 KST
Binance Simple EarnCeFilocked 7 days≥0: 3.00%all users200,000
binance.com simple-earn page data · 2026-10-31 13:25 KST
Bitget SavingsCeFinot stated in public datalocked 14 days0–2,000: 2.25%not stated in public data–
bitget.com savings page data · 2026-10-31 13:25 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
BNB best 1.00% · 9
PlatformTypeTier ladder (amount in coin → APR/APY)EligibilityPer-user cap
OKX Simple EarnCeFiflexible≥0: 1.00%all users–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 13:25 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
Bybit EarnCeFiflexible≥0: 0.80%all users2,500
Bybit public API v5 /earn/product · 2026-10-31 13:25 KST
Gate Simple EarnCeFiflexible≥0: 0.58%all users–
Gate public API v4 /earn/uni/rate · 2026-10-31 13:25 KST · Estimated lending rate; Gate public API publishes no tier ladder.
Bitget SavingsCeFinot stated in public dataflexible0–1,500: 0.50%not stated in public data–
bitget.com savings page data · 2026-10-31 13:25 KST · Bitget lists several products for this coin; eligibility (e.g. new-user / VIP) is not exposed in the public data. Ladder ends at the last tier’s max.
Binance Simple EarnCeFiflexible0–1: 0.19%
above 1: 0.07%		all users20,000,000
binance.com simple-earn page data · 2026-10-31 13:25 KST · Tier rate = real-time base APR + tier bonus APR (Binance shows the bonus separately).
Binance Simple EarnCeFilocked 120 days≥0: 0.32%all users1,200,000
binance.com simple-earn page data · 2026-10-31 13:25 KST
Binance Simple EarnCeFilocked 7 days≥0: 0.30%all users1,000,000
binance.com simple-earn page data · 2026-10-31 13:25 KST
Binance Simple EarnCeFilocked 90 days≥0: 0.30%all users1,000,000
binance.com simple-earn page data · 2026-10-31 13:25 KST
Binance Simple EarnCeFilocked 7 days≥0: 0.25%all users1,000,000
binance.com simple-earn page data · 2026-10-31 13:25 KST
ℹ️ How to read this

CeFi rates come from the public (no-login) data behind each exchange’s earn page or its documented public API; DeFi from official protocol APIs or on-chain reads (PublicNode RPC). A source that fails is shown as unavailable — rates are never estimated.

Data only, not financial advice. CeFi balances are exchange credit risk; DeFi carries smart-contract and depeg risk. Check the platform page before depositing.

Source status
  • ✅ Binance Simple Earn – working 2026-10-31 13:25 KST
  • ✅ Bybit Earn – working 2026-10-31 13:25 KST
  • ✅ OKX Simple Earn – working 2026-10-31 13:25 KST
  • ✅ Bitget Savings – working 2026-10-31 13:25 KST
  • ✅ Gate Simple Earn – working 2026-10-31 13:25 KST
  • ✅ MEXC Savings – working 2026-10-31 13:25 KST
  • ✅ Aave v3 – working 2026-10-31 13:25 KST
  • ✅ Compound v3 – working 2026-10-31 13:25 KST
  • ✅ Spark – working 2026-10-31 13:25 KST
  • ✅ Sky sUSDS – working 2026-10-31 13:25 KST
  • ✅ Ethena sUSDe – working 2026-10-31 13:25 KST
  • ✅ Morpho – working 2026-10-31 13:25 KST
  • ✅ Kamino – working 2026-10-31 13:25 KST
  • ✅ Bybit Crypto Loan – working 2026-10-31 13:25 KST
  • ✅ Bitget Crypto Loan – working 2026-10-31 13:25 KST
  • ✅ OKX margin borrow – working 2026-10-31 13:25 KST
Platforms not supported (no public API) – not an outage
  • · KuCoin Earn – Not supported (no public API): Earn product list needs a signed API key; web page data endpoint not public (400/404) – not used.
  • · HTX Earn – Not supported (no public API): No public unauthenticated earn product endpoint found (404) – not used.
  • · Binance Flexible Loan – Not supported (no public API): Loan rate API (/sapi/v2/loan/flexible/loanable/data) requires an API key – not used.
  • · OKX Flexible Loan – Not supported (no public API): Flexible-loan endpoints return 401 without a key – OKX margin basic rate shown instead.
  • · Nexo – Not supported (no public API): No public JSON rate endpoint – not used.
  • · Liquity v2 (BOLD) – Not supported (no public API): User-set interest rates per trove; no single market rate – not covered yet.

Updated 2026-10-31 13:25 KST

For information only, not investment advice. Data may be delayed or inaccurate. Full disclaimer → Data: OpenDART (FSS), stock prices: official previous-day close from the Financial Services Commission (data.go.kr) and FinanceData/marcap history, index data via FinanceDataReader, FX: ECB reference rates, crypto data from Upbit, Bithumb and Binance public APIs.
Market data not licensed for redistribution.
© Crypvu · Crypto market view