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市场数据未经许可不得转分发。 · ⚠️ 仅为数据，非投资建议。 免责声明

💰 加密理财收益对比：USDT、USDC、BTC、ETH

按存入金额的预计年收益

·
ℹ️ 说明与注意

对金额逐级套用阶梯利率（前X按Y%，其后按Z%…）。超出产品最后一档/上限的部分在此估算中按0计。利率浮动，假设今日利率维持一年，不计复利。

包含资格受限或未说明的产品（新用户、VIP、未验证）

🔒 按币种质押

原生/流动性/交易所质押 · 从高到低

🏆 各币最高（不含活动/受限/异常）

ATOM 17.24%
Bybit Earn
on-chain flexible · ~25 days redemption · 阶梯上限 ≤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
ETH 6.90%
MEXC Savings
flexible · instant · 阶梯上限 0–0.05: 6.90% · 0.05–0.3: 1.90% · ≥0.3: 0.90%
SOL 5.90%
MEXC Savings
flexible · instant · 阶梯上限 0–3: 5.90% · ≥3: 2.90%
OSMO 5.74%
Binance Simple Earn
flexible · instant · 阶梯上限 ≤333,143
KSM 5.10%
Binance Simple Earn
locked · 90 days lock · 阶梯上限 ≤100,000
SUI 4.90%
MEXC Savings
flexible · instant · 阶梯上限 0–1,000: 4.90% · ≥1,000: 0.40%
NEAR 4.72%
Bybit Earn
on-chain flexible · ~3 days redemption · 阶梯上限 ≤10,000,000
ETH 6.9%SOL 5.9%BNB 0.8%ADA 1.8%DOT 4.2%ATOM 17.2%AVAX 4.3%TRX 4.4%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 7.2%
ETH 最高 6.90% · MEXC Savings (0–0.05: 6.90% · 0.05–0.3: 1.90% · ≥0.3: 0.90%)

协议解绑期: exit queue (days–weeks) · instant

平台年化锁定/解绑阶梯上限
MEXC SavingsCeFi6.90%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 14:10 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 14:10 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.
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 14:17 KST · OKX liquid staking product (BETH / OKSOL) published APY.
Binance wBETH流动性4.58%liquid staking ·
Binance redemption or swap		–
DefiLlama Yields (yields.llama.fi, free API) · 2026-10-31 14:17 KST · TVL $8,132.2M · Ethereum. APY incl. any reward-token emissions (0.00% reward).
Bitget SavingsCeFinot stated in public data4.50%flexible ·
instant		0–100: 4.50% · 100–1,000: 3.00%
bitget.com savings page data · 2026-10-31 14:10 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.
Lido stETH流动性4.16%liquid staking ·
withdrawal queue (1–5 days) or swap		–
Lido official API (eth-api.lido.fi, 7-day SMA) · 2026-10-31 14:17 KST · Net of Lido 10% fee. stETH can be sold on DEXs anytime.
+19 更多
Stader ETHx流动性3.89%liquid staking ·
withdrawal queue or swap		–
DefiLlama Yields (yields.llama.fi, free API) · 2026-10-31 14:17 KST · TVL $148.2M · Ethereum. APY incl. any reward-token emissions (0.00% reward).
Spark (Ethereum)DeFi3.50%flexible ·
instant		–
on-chain Spark Pool getReserveData (PublicNode RPC) · 2026-10-31 14:10 KST
StakeWise v3流动性2.56%liquid staking ·
exit queue		–
DefiLlama Yields (yields.llama.fi, free API) · 2026-10-31 14:17 KST · TVL $95.8M · 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 14:10 KST
Rocket Pool rETH流动性2.15%liquid staking ·
burn via deposit pool or swap		–
Rocket Pool official API (api.rocketpool.net) · 2026-10-31 14:17 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 14:10 KST
Binance Simple EarnCeFi1.90%locked 60 天 ·
60 days lock		≤20,000
binance.com simple-earn page data · 2026-10-31 14:10 KST
Gate Simple EarnCeFi1.83%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 14:10 KST · Estimated lending rate; Gate public API publishes no tier ladder.
Binance Simple EarnCeFi1.70%locked 7 天 ·
7 days lock		≤10,000
binance.com simple-earn page data · 2026-10-31 14:10 KST
Binance Simple EarnCeFi1.70%locked 90 天 ·
90 days lock		≤20,000
binance.com simple-earn page data · 2026-10-31 14:10 KST
Aave v3 (Ethereum)DeFi1.52%flexible ·
instant		–
Aave official API (api.v3.aave.com) · 2026-10-31 14:10 KST · Supply WETH; variable rate.
Bitget SavingsCeFinot stated in public data1.50%locked 7 天 ·
7 days lock		0–2,000: 1.50%
bitget.com savings page data · 2026-10-31 14:10 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.
Bitget SavingsCeFinot stated in public data1.35%flexible ·
instant		0–2,000: 1.35%
bitget.com savings page data · 2026-10-31 14:10 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.
Bitget SavingsCeFinot stated in public data1.32%locked 14 天 ·
14 days lock		0–300: 1.32%
bitget.com savings page data · 2026-10-31 14:10 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 EarnCeFi1.30%locked 7 天 ·
7 days lock		≤10,000
binance.com simple-earn page data · 2026-10-31 14:10 KST
Bitget SavingsCeFinot stated in public data1.30%locked 7 天 ·
7 days lock		0–100: 1.30%
bitget.com savings page data · 2026-10-31 14:10 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 EarnCeFi1.24%flexible ·
instant		0–0.2: 1.24%
binance.com simple-earn page data · 2026-10-31 14:10 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 14:10 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 14:10 KST
SOL 最高 5.90% · MEXC Savings (0–3: 5.90% · ≥3: 2.90%)

协议解绑期: ~1 epoch (~2–3 days) · instant

平台年化锁定/解绑阶梯上限
MEXC SavingsCeFi5.90%flexible ·
instant		0–3: 5.90% · ≥3: 2.90%
mexc.com savings page data · 2026-10-31 14:10 KST · Tier APR = subsidy APR as published; base APR 0.1%.
Solana native staking原生5.25%native delegation ·
~1 epoch (~2–3 days)		–
Solana public RPC (getInflationRate × supply ÷ active stake) · 2026-10-31 14:17 KST · Inflation only, gross before validator commission; excl. MEV/priority-fee tips. Staked 68% of supply.
Marinade mSOL流动性5.19%liquid staking ·
instant swap or ~1 epoch		–
Marinade official API (api.marinade.finance, 30-day) · 2026-10-31 14:17 KST
Helius hSOL流动性4.95%liquid staking ·
instant swap or ~1 epoch		–
DefiLlama Yields (yields.llama.fi, free API) · 2026-10-31 14:17 KST · TVL $92.6M · Solana. APY incl. any reward-token emissions (0.00% reward).
Drift dSOL流动性4.89%liquid staking ·
instant swap or ~1 epoch		–
DefiLlama Yields (yields.llama.fi, free API) · 2026-10-31 14:17 KST · TVL $268.8M · Solana. APY incl. any reward-token emissions (0.00% reward).
OKX SOL stakingCeFi4.87%exchange staking ·
OKX redemption (ETH: queue; SOL: ~epoch)		–
OKX public API v5 /finance/staking-defi/sol/apy-history · 2026-10-31 14:17 KST · OKX liquid staking product (BETH / OKSOL) published APY.
+16 更多
Bybit EarnCeFi4.78%on-chain flexible ·
~3 days redemption		≤100,001
Bybit public API v5 /earn/product · 2026-10-31 14:10 KST
Jito JitoSOL流动性4.76%liquid staking ·
instant swap or ~1 epoch		–
Jito official API (kobe.mainnet.jito.network) · 2026-10-31 14:17 KST · APY incl. MEV rewards, as of 2026-10-31 (UTC).
Binance BNSOL流动性4.55%liquid staking ·
Binance redemption or swap		–
DefiLlama Yields (yields.llama.fi, free API) · 2026-10-31 14:17 KST · TVL $1,040.3M · Solana. APY incl. any reward-token emissions (0.00% reward).
Bybit EarnCeFi4.30%on-chain flexible ·
~2 days redemption		≤10,000
Bybit public API v5 /earn/product · 2026-10-31 14:10 KST
OKX Simple EarnCeFi4.00%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 14:10 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
Kamino Lend (Solana main)DeFi3.91%flexible ·
instant		–
Kamino official API (api.kamino.finance) · 2026-10-31 14:10 KST
Binance Simple EarnCeFi3.90%locked 60 天 ·
60 days lock		≤2,000,000
binance.com simple-earn page data · 2026-10-31 14:10 KST
Binance Simple EarnCeFi3.80%locked 90 天 ·
90 days lock		≤500,000
binance.com simple-earn page data · 2026-10-31 14:10 KST
Binance Simple EarnCeFi3.20%locked 7 天 ·
7 days lock		≤2,000,000
binance.com simple-earn page data · 2026-10-31 14:10 KST
Binance Simple EarnCeFi3.00%locked 7 天 ·
7 days lock		≤200,000
binance.com simple-earn page data · 2026-10-31 14:10 KST
Gate Simple EarnCeFi2.86%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 14:10 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 14:10 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.
Bitget SavingsCeFinot stated in public data2.60%flexible ·
instant		0–50,000: 2.60%
bitget.com savings page data · 2026-10-31 14:10 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.
Bitget SavingsCeFinot stated in public data2.25%locked 14 天 ·
14 days lock		0–2,000: 2.25%
bitget.com savings page data · 2026-10-31 14:10 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 EarnCeFi2.22%flexible ·
instant		≤353,107
binance.com simple-earn page data · 2026-10-31 14:10 KST
Bybit EarnCeFi0.80%flexible ·
instant		≤20,000
Bybit public API v5 /earn/product · 2026-10-31 14:10 KST
BNB 最高 0.80% · Bybit Earn

协议解绑期: 7 days · instant

平台年化锁定/解绑阶梯上限
OKX Simple EarnCeFi1.00%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 14:10 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 14:10 KST
Lista slisBNB流动性0.64%liquid staking ·
unstake 7–15 days or swap		–
DefiLlama Yields (yields.llama.fi, free API) · 2026-10-31 14:17 KST · TVL $716.2M · 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 14:10 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 14:10 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 EarnCeFi0.32%locked 120 天 ·
120 days lock		≤1,200,000
binance.com simple-earn page data · 2026-10-31 14:10 KST
+4 更多
Binance Simple EarnCeFi0.30%locked 7 天 ·
7 days lock		≤1,000,000
binance.com simple-earn page data · 2026-10-31 14:10 KST
Binance Simple EarnCeFi0.30%locked 90 天 ·
90 days lock		≤1,000,000
binance.com simple-earn page data · 2026-10-31 14:10 KST
Binance Simple EarnCeFi0.25%locked 7 天 ·
7 days lock		≤1,000,000
binance.com simple-earn page data · 2026-10-31 14:10 KST
Binance Simple EarnCeFi0.19%flexible ·
instant		0–1: 0.19%
binance.com simple-earn page data · 2026-10-31 14:10 KST · Tier rate = real-time base APR + tier bonus APR (Binance shows the bonus separately).
ADA 最高 1.82% · Bybit Earn

协议解绑期: none (liquid) · ~1 days redemption

平台年化锁定/解绑阶梯上限
Bybit EarnCeFi1.82%on-chain flexible ·
~1 days redemption		≤10,000,000
Bybit public API v5 /earn/product · 2026-10-31 14:17 KST
Binance Simple EarnCeFi1.60%locked 60 天 ·
60 days lock		≤500,000,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
Binance Simple EarnCeFi1.41%locked 90 天 ·
90 days lock		≤2,000,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
Binance Simple EarnCeFi1.30%locked 7 天 ·
7 days lock		≤500,000,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
Binance Simple EarnCeFi1.26%locked 7 天 ·
7 days lock		≤50,000,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
OKX Simple EarnCeFi1.00%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 14:17 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
+4 更多
Bitget SavingsCeFinot stated in public data1.00%flexible ·
instant		0–1,000,000: 1.00%
bitget.com savings page data · 2026-10-31 14:17 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 14:17 KST
Gate Simple EarnCeFi0.18%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 14:17 KST · Estimated lending rate; Gate public API publishes no tier ladder.
Binance Simple EarnCeFi0.06%flexible ·
instant		≤25,334,135
binance.com simple-earn page data · 2026-10-31 14:17 KST
DOT 最高 4.18% · Bifrost vDOT

协议解绑期: 28 days · redeem up to ~28 days or swap

平台年化锁定/解绑阶梯上限
OKX Simple EarnCeFi5.10%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 14:17 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
Bifrost vDOT流动性4.18%liquid staking ·
redeem up to ~28 days or swap		–
DefiLlama Yields (yields.llama.fi, free API) · 2026-10-31 14:17 KST · TVL $7.8M · Polkadot. APY incl. any reward-token emissions (0.07% reward).
Bybit EarnCeFi3.71%on-chain flexible ·
~4 days redemption		≤1,000,000
Bybit public API v5 /earn/product · 2026-10-31 14:17 KST
Bitget SavingsCeFinot stated in public data1.90%flexible ·
instant		0–300,000: 1.90%
bitget.com savings page data · 2026-10-31 14:17 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 天 ·
60 days lock		≤1,000,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
Binance Simple EarnCeFi1.44%locked 90 天 ·
90 days lock		≤500,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
+5 更多
Binance Simple EarnCeFi1.26%locked 7 天 ·
7 days lock		≤1,000,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
Binance Simple EarnCeFi1.20%locked 7 天 ·
7 days lock		≤800,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
Gate Simple EarnCeFi0.88%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 14:17 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 14:17 KST
Binance Simple EarnCeFi0.09%flexible ·
instant		≤1,484,738
binance.com simple-earn page data · 2026-10-31 14:17 KST
ATOM 最高 17.24% · Bybit Earn

协议解绑期: 21 days · ~25 days redemption

平台年化锁定/解绑阶梯上限
OKX Simple EarnCeFi19.80%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 14:17 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 14:17 KST
ATOM native staking原生15.48%native delegation ·
21 days		–
Cosmos-SDK LCD via PublicNode (inflation × (1−community tax) ÷ bonded ratio) · 2026-10-31 14:17 KST · Gross, before validator commission (typ. 5–10%). Bonded 63% of supply.
Binance Simple EarnCeFi10.00%locked 60 天 ·
60 days lock		≤1,000,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
Binance Simple EarnCeFi9.10%locked 90 天 ·
90 days lock		≤1,000,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
Binance Simple EarnCeFi8.00%locked 7 天 ·
7 days lock		≤1,000,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
+5 更多
Binance Simple EarnCeFi7.80%locked 7 天 ·
7 days lock		≤1,000,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
Gate Simple EarnCeFi5.65%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 14:17 KST · Estimated lending rate; Gate public API publishes no tier ladder.
Binance Simple EarnCeFi2.38%flexible ·
instant		≤163,684
binance.com simple-earn page data · 2026-10-31 14:17 KST
Bybit EarnCeFi1.72%flexible ·
instant		≤100,000
Bybit public API v5 /earn/product · 2026-10-31 14:17 KST
Bitget SavingsCeFinot stated in public data1.21%flexible ·
instant		0–200,000: 1.21%
bitget.com savings page data · 2026-10-31 14:17 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 最高 4.28% · Benqi sAVAX

协议解绑期: locked 14–365 days · unstake ~15 days or swap

平台年化锁定/解绑阶梯上限
OKX Simple EarnCeFi8.50%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 14:17 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
Benqi sAVAX流动性4.28%liquid staking ·
unstake ~15 days or swap		–
DefiLlama Yields (yields.llama.fi, free API) · 2026-10-31 14:17 KST · TVL $206.6M · Avalanche. APY incl. any reward-token emissions (0.00% reward).
Binance Simple EarnCeFi3.80%locked 90 天 ·
90 days lock		≤500,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
Bitget SavingsCeFinot stated in public data2.92%flexible ·
instant		0–100,000: 2.92%
bitget.com savings page data · 2026-10-31 14:17 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 天 ·
7 days lock		≤100,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
Gate Simple EarnCeFi1.03%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 14:17 KST · Estimated lending rate; Gate public API publishes no tier ladder.
+2 更多
Bybit EarnCeFi0.80%flexible ·
instant		≤30,000
Bybit public API v5 /earn/product · 2026-10-31 14:17 KST
Binance Simple EarnCeFi0.17%flexible ·
instant		≤262,214
binance.com simple-earn page data · 2026-10-31 14:17 KST
TRX 最高 4.43% · Bybit Earn

协议解绑期: 14 days · instant

平台年化锁定/解绑阶梯上限
MEXC SavingsCeFi⚠ 疑似异常: outlier vs median 2.3%10.00%flexible ·
instant		0–2,800,000: 10.00%
mexc.com savings page data · 2026-10-31 14:17 KST · Tier APR = subsidy APR as published; base APR 10.0%.
Bitget SavingsCeFinot stated in public data⚠ 疑似异常: outlier vs median 2.3%9.68%flexible ·
instant		0–10,000,000: 9.68%
bitget.com savings page data · 2026-10-31 14:17 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 EarnCeFi4.43%flexible ·
instant		≤2,000,000
Bybit public API v5 /earn/product · 2026-10-31 14:17 KST
Binance Simple EarnCeFi2.64%flexible ·
instant		≤22,148,021
binance.com simple-earn page data · 2026-10-31 14:17 KST
Binance Simple EarnCeFi2.31%locked 60 天 ·
60 days lock		≤50,000,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
Binance Simple EarnCeFi2.09%locked 7 天 ·
7 days lock		≤50,000,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
+3 更多
Binance Simple EarnCeFi1.98%locked 90 天 ·
90 days lock		≤100,000,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
Binance Simple EarnCeFi1.88%locked 7 天 ·
7 days lock		≤10,000,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
Gate Simple EarnCeFi1.33%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 14:17 KST · Estimated lending rate; Gate public API publishes no tier ladder.
SUI 最高 4.90% · MEXC Savings (0–1,000: 4.90% · ≥1,000: 0.40%)

协议解绑期: end of epoch (~1 day) · instant

平台年化锁定/解绑阶梯上限
MEXC SavingsCeFi4.90%flexible ·
instant		0–1,000: 4.90% · ≥1,000: 0.40%
mexc.com savings page data · 2026-10-31 14:17 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 14:17 KST
Binance Simple EarnCeFi1.16%locked 60 天 ·
60 days lock		≤10,000,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
Binance Simple EarnCeFi1.10%locked 7 天 ·
7 days lock		≤10,000,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
Binance Simple EarnCeFi1.00%locked 90 天 ·
90 days lock		≤10,000,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
OKX Simple EarnCeFi1.00%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 14:17 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
+5 更多
Bitget SavingsCeFinot stated in public data0.84%flexible ·
instant		0–400,000: 0.84%
bitget.com savings page data · 2026-10-31 14:17 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 天 ·
7 days lock		≤200,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
Bybit EarnCeFi0.70%flexible ·
instant		≤500,000
Bybit public API v5 /earn/product · 2026-10-31 14:17 KST
Gate Simple EarnCeFi0.18%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 14:17 KST · Estimated lending rate; Gate public API publishes no tier ladder.
Binance Simple EarnCeFi0.02%flexible ·
instant		≤3,892,911
binance.com simple-earn page data · 2026-10-31 14:17 KST
TON 最高 16.57% · TON nominator pool (TF)

协议解绑期: ~18–36 h (validation round) · ~36 h (2 rounds)

平台年化锁定/解绑阶梯上限
TON nominator pool (TF)原生16.57%nominator pool ·
~36 h (2 rounds)		–
tonapi.io v2 /staking/pools · 2026-10-31 14:17 KST · Single-nominator / TF pool; min stake 101 TON; pool not verified by tonapi – self-custody setup required.
Hipo hTON流动性16.01%liquid staking ·
unstake ~1–2 rounds or swap		–
DefiLlama Yields (yields.llama.fi, free API) · 2026-10-31 14:17 KST · TVL $12.3M · TON. APY incl. any reward-token emissions (0.00% reward).
Whales Club Queue #1原生13.59%nominator pool ·
~36 h (2 rounds)		–
tonapi.io v2 /staking/pools · 2026-10-31 14:17 KST · Whales nominator pool, min stake 50 TON.
KTON流动性13.24%liquid staking ·
unstake ~1–2 rounds or swap		–
DefiLlama Yields (yields.llama.fi, free API) · 2026-10-31 14:17 KST · TVL $2.2M · TON. APY incl. any reward-token emissions (0.00% reward).
Tonstakers流动性12.64%liquid staking ·
~18–36 h round or instant swap		–
tonapi.io v2 /staking/pools · 2026-10-31 14:17 KST · Min stake 1 TON. APY as reported by tonapi.
NEAR 最高 4.72% · Bybit Earn

协议解绑期: ~2–3 days (4 epochs) · ~3 days redemption

平台年化锁定/解绑阶梯上限
Bybit EarnCeFi4.72%on-chain flexible ·
~3 days redemption		≤10,000,000
Bybit public API v5 /earn/product · 2026-10-31 14:17 KST
Rhea rNEAR (ex-LiNEAR)流动性4.54%liquid staking ·
unstake ~2–3 days or swap		–
DefiLlama Yields (yields.llama.fi, free API) · 2026-10-31 14:17 KST · TVL $74.8M · Near. APY incl. any reward-token emissions (0.00% reward).
Binance Simple EarnCeFi3.60%locked 60 天 ·
60 days lock		≤1,000,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
Binance Simple EarnCeFi3.42%locked 90 天 ·
90 days lock		≤100,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
Bitget SavingsCeFinot stated in public data2.33%flexible ·
instant		0–1,000,000: 2.33%
bitget.com savings page data · 2026-10-31 14:17 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 天 ·
7 days lock		≤1,000,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
+5 更多
Binance Simple EarnCeFi2.00%locked 7 天 ·
7 days lock		≤100,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
Gate Simple EarnCeFi1.89%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 14:17 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 14:17 KST
OKX Simple EarnCeFi1.00%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 14:17 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
Binance Simple EarnCeFi0.21%flexible ·
instant		≤795,943
binance.com simple-earn page data · 2026-10-31 14:17 KST
APT 最高 2.56% · Bybit Earn

协议解绑期: 14-day recurring lockup · ~14 days redemption

平台年化锁定/解绑阶梯上限
OKX Simple EarnCeFi9.50%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 14:17 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 14:17 KST
Amnis amAPT/stAPT流动性2.36%liquid staking ·
unstake per Aptos lockup or swap		–
DefiLlama Yields (yields.llama.fi, free API) · 2026-10-31 14:17 KST · TVL $2.8M · Aptos. APY incl. any reward-token emissions (0.00% reward).
Binance Simple EarnCeFi2.09%locked 60 天 ·
60 days lock		≤1,000,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
Binance Simple EarnCeFi1.96%locked 90 天 ·
90 days lock		≤2,000,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
Binance Simple EarnCeFi1.89%locked 7 天 ·
7 days lock		≤1,000,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
+6 更多
Binance Simple EarnCeFi1.69%locked 7 天 ·
7 days lock		≤200,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
Binance Simple EarnCeFi1.69%locked 14 天 ·
14 days lock		≤1,000,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
Bybit EarnCeFi1.00%flexible ·
instant		≤800,000
Bybit public API v5 /earn/product · 2026-10-31 14:17 KST
Bitget SavingsCeFinot stated in public data0.50%flexible ·
instant		0–20,000: 0.50%
bitget.com savings page data · 2026-10-31 14:17 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 EarnCeFi0.43%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 14:17 KST · Estimated lending rate; Gate public API publishes no tier ladder.
Binance Simple EarnCeFi0.12%flexible ·
instant		≤849,283
binance.com simple-earn page data · 2026-10-31 14:17 KST
POL 最高 2.50% · Binance Simple Earn

协议解绑期: ~80 checkpoints (~2–3 days) · 60 days lock

平台年化锁定/解绑阶梯上限
OKX Simple EarnCeFi24.20%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 14:17 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
Binance Simple EarnCeFi2.50%locked 60 天 ·
60 days lock		≤20,000,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
Binance Simple EarnCeFi2.20%locked 7 天 ·
7 days lock		≤10,000,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
Binance Simple EarnCeFi2.20%locked 90 天 ·
90 days lock		≤1,000,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
Binance Simple EarnCeFi2.14%flexible ·
instant		≤6,704,950
binance.com simple-earn page data · 2026-10-31 14:17 KST
Binance Simple EarnCeFi1.83%locked 7 天 ·
7 days lock		≤5,000,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
+3 更多
Bitget SavingsCeFinot stated in public data1.70%flexible ·
instant		0–400,000: 1.70%
bitget.com savings page data · 2026-10-31 14:17 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 EarnCeFi1.42%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 14:17 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 14:17 KST
TIA 最高 3.15% · Binance Simple Earn

协议解绑期: 21 days · 60 days lock

平台年化锁定/解绑阶梯上限
OKX Simple EarnCeFi23.00%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 14:17 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
Binance Simple EarnCeFi3.15%locked 60 天 ·
60 days lock		≤2,000,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
Binance Simple EarnCeFi3.00%locked 90 天 ·
90 days lock		≤300,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
Gate Simple EarnCeFi2.75%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 14:17 KST · Estimated lending rate; Gate public API publishes no tier ladder.
Binance Simple EarnCeFi2.62%locked 7 天 ·
7 days lock		≤2,000,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
Binance Simple EarnCeFi2.50%locked 7 天 ·
7 days lock		≤1,000,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
+3 更多
Bybit EarnCeFi1.11%flexible ·
instant		≤100,000
Bybit public API v5 /earn/product · 2026-10-31 14:17 KST
Bitget SavingsCeFinot stated in public data0.78%flexible ·
instant		0–150,000: 0.78%
bitget.com savings page data · 2026-10-31 14:17 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		≤829,302
binance.com simple-earn page data · 2026-10-31 14:17 KST
INJ 最高 9.02% · INJ native staking

协议解绑期: 21 days · 21 days

平台年化锁定/解绑阶梯上限
OKX Simple EarnCeFi11.70%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 14:17 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
INJ native staking原生9.02%native delegation ·
21 days		–
Cosmos-SDK LCD via PublicNode (inflation × (1−community tax) ÷ bonded ratio) · 2026-10-31 14:17 KST · Gross, before validator commission (typ. 5–10%). Bonded 46% of supply.
Binance Simple EarnCeFi4.20%locked 60 天 ·
60 days lock		≤2,000,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
Binance Simple EarnCeFi3.95%locked 7 天 ·
7 days lock		≤2,000,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
Binance Simple EarnCeFi3.75%locked 7 天 ·
7 days lock		≤300,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
Binance Simple EarnCeFi3.75%locked 90 天 ·
90 days lock		≤200,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
+4 更多
Gate Simple EarnCeFi3.48%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 14:17 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 14:17 KST
Bitget SavingsCeFinot stated in public data0.54%flexible ·
instant		0–7,630: 0.54%
bitget.com savings page data · 2026-10-31 14:17 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		≤82,929
binance.com simple-earn page data · 2026-10-31 14:17 KST
SEI 最高 3.09% · Binance Simple Earn

协议解绑期: 21 days · 90 days lock

平台年化锁定/解绑阶梯上限
OKX Simple EarnCeFi12.90%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 14:17 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
Binance Simple EarnCeFi3.09%locked 90 天 ·
90 days lock		≤100,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
Gate Simple EarnCeFi1.67%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 14:17 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 14:17 KST
Bitget SavingsCeFinot stated in public data0.50%flexible ·
instant		0–2,000,000: 0.50%
bitget.com savings page data · 2026-10-31 14:17 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		≤8,383,522
binance.com simple-earn page data · 2026-10-31 14:17 KST
ALGO 最高 2.52% · Binance Simple Earn

协议解绑期: none (staking rewards, no lock) · 60 days lock

平台年化锁定/解绑阶梯上限
OKX Simple EarnCeFi17.50%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 14:17 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
Binance Simple EarnCeFi2.52%locked 60 天 ·
60 days lock		≤5,000,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
Binance Simple EarnCeFi2.40%locked 90 天 ·
90 days lock		≤900,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
Binance Simple EarnCeFi2.10%locked 7 天 ·
7 days lock		≤5,000,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
Binance Simple EarnCeFi2.00%locked 7 天 ·
7 days lock		≤2,000,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
Gate Simple EarnCeFi1.94%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 14:17 KST · Estimated lending rate; Gate public API publishes no tier ladder.
+3 更多
Bitget SavingsCeFinot stated in public data1.00%flexible ·
instant		0–1,000,000: 1.00%
bitget.com savings page data · 2026-10-31 14:17 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 14:17 KST
Binance Simple EarnCeFi0.10%flexible ·
instant		≤3,961,778
binance.com simple-earn page data · 2026-10-31 14:17 KST
XTZ 最高 3.68% · Binance Simple Earn

协议解绑期: delegation: none · staking: ~4 cycles (~4 days) · 90 days lock

平台年化锁定/解绑阶梯上限
OKX Simple EarnCeFi24.90%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 14:17 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
Binance Simple EarnCeFi3.68%locked 90 天 ·
90 days lock		≤300,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
Gate Simple EarnCeFi3.44%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 14:17 KST · Estimated lending rate; Gate public API publishes no tier ladder.
Binance Simple EarnCeFi2.19%locked 7 天 ·
7 days lock		≤250,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
Bybit EarnCeFi1.27%flexible ·
instant		≤100,000
Bybit public API v5 /earn/product · 2026-10-31 14:17 KST
Binance Simple EarnCeFi1.25%flexible ·
instant		≤276,021
binance.com simple-earn page data · 2026-10-31 14:17 KST
+1 更多
Bitget SavingsCeFinot stated in public data1.00%flexible ·
instant		0–500,000: 1.00%
bitget.com savings page data · 2026-10-31 14:17 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 最高 3.84% · Binance Simple Earn

协议解绑期: 21 days · instant

平台年化锁定/解绑阶梯上限
Binance Simple EarnCeFi3.84%flexible ·
instant		≤384,772
binance.com simple-earn page data · 2026-10-31 14:17 KST
Gate Simple EarnCeFi3.61%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 14:17 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 14:17 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 14:17 KST
OSMO 最高 5.74% · Binance Simple Earn

协议解绑期: 14 days · instant

平台年化锁定/解绑阶梯上限
Gate Simple EarnCeFi13.29%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 14:17 KST · Estimated lending rate; Gate public API publishes no tier ladder.
Binance Simple EarnCeFi5.74%flexible ·
instant		≤333,143
binance.com simple-earn page data · 2026-10-31 14:17 KST
EGLD 最高 0.94% · Binance Simple Earn

协议解绑期: 10 days · instant

平台年化锁定/解绑阶梯上限
OKX Simple EarnCeFi38.00%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 14:17 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 14:17 KST
Gate Simple EarnCeFi0.83%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 14:17 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 14:17 KST
S 最高 3.78% · Binance Simple Earn

协议解绑期: 14 days · 60 days lock

平台年化锁定/解绑阶梯上限
OKX Simple EarnCeFi10.50%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 14:17 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
Bitget SavingsCeFinot stated in public data4.80%flexible ·
instant		0–2,000,000: 4.80%
bitget.com savings page data · 2026-10-31 14:17 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 天 ·
60 days lock		≤10,000,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
Binance Simple EarnCeFi3.60%locked 90 天 ·
90 days lock		≤2,000,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
Binance Simple EarnCeFi3.15%locked 7 天 ·
7 days lock		≤10,000,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
Binance Simple EarnCeFi3.00%locked 7 天 ·
7 days lock		≤10,000,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
+3 更多
Gate Simple EarnCeFi1.25%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 14:17 KST · Estimated lending rate; Gate public API publishes no tier ladder.
Bybit EarnCeFi0.91%flexible ·
instant		≤500,000
Bybit public API v5 /earn/product · 2026-10-31 14:17 KST
Binance Simple EarnCeFi0.72%flexible ·
instant		≤7,851,430
binance.com simple-earn page data · 2026-10-31 14:17 KST
HBAR 最高 0.80% · Bybit Earn

协议解绑期: none (native staking, no lock) · instant

平台年化锁定/解绑阶梯上限
OKX Simple EarnCeFi1.00%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 14:17 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
Gate Simple EarnCeFi0.94%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 14:17 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 14:17 KST
Bitget SavingsCeFinot stated in public data0.50%flexible ·
instant		0–650,000: 0.50%
bitget.com savings page data · 2026-10-31 14:17 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		≤11,692,541
binance.com simple-earn page data · 2026-10-31 14:17 KST
KSM 最高 5.10% · Binance Simple Earn

协议解绑期: 7 days · 90 days lock

平台年化锁定/解绑阶梯上限
OKX Simple EarnCeFi11.70%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 14:17 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
Binance Simple EarnCeFi5.10%locked 90 天 ·
90 days lock		≤100,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
Binance Simple EarnCeFi5.10%locked 120 天 ·
120 days lock		≤500
binance.com simple-earn page data · 2026-10-31 14:17 KST
Binance Simple EarnCeFi4.20%locked 7 天 ·
7 days lock		≤100,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
Gate Simple EarnCeFi2.40%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 14:17 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 14:17 KST
+2 更多
Bybit EarnCeFi1.31%flexible ·
instant		≤10,000
Bybit public API v5 /earn/product · 2026-10-31 14:17 KST
Bitget SavingsCeFinot stated in public data0.50%flexible ·
instant		0–50,000: 0.50%
bitget.com savings page data · 2026-10-31 14:17 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 最高 7.90% · WaterNeuron nICP

协议解绑期: neuron dissolve delay (≥6 months for rewards) · unstake ~6 months or swap

平台年化锁定/解绑阶梯上限
WaterNeuron nICP流动性7.90%liquid staking ·
unstake ~6 months or swap		–
DefiLlama Yields (yields.llama.fi, free API) · 2026-10-31 14:17 KST · TVL $6.0M · ICP. APY incl. any reward-token emissions (0.00% reward).
Binance Simple EarnCeFi1.50%locked 90 天 ·
90 days lock		≤500,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
Binance Simple EarnCeFi1.10%locked 7 天 ·
7 days lock		≤200,000
binance.com simple-earn page data · 2026-10-31 14:17 KST
OKX Simple EarnCeFi1.00%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 14:17 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 14:17 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 14:17 KST · Estimated lending rate; Gate public API publishes no tier ladder.
+2 更多
Bybit EarnCeFi0.80%flexible ·
instant		≤50,000
Bybit public API v5 /earn/product · 2026-10-31 14:17 KST
Binance Simple EarnCeFi0.35%flexible ·
instant		≤377,867
binance.com simple-earn page data · 2026-10-31 14:17 KST
MINA 最高 1.06% · Binance Simple Earn

协议解绑期: none (delegation) · instant

平台年化锁定/解绑阶梯上限
OKX Simple EarnCeFi10.70%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 14:17 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 14:17 KST · Estimated lending rate; Gate public API publishes no tier ladder.
Binance Simple EarnCeFi1.06%flexible ·
instant		≤1,846,035
binance.com simple-earn page data · 2026-10-31 14:17 KST
Bitget SavingsCeFinot stated in public data1.00%flexible ·
instant		0–2,000,000: 1.00%
bitget.com savings page data · 2026-10-31 14:17 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 14:17 KST
ROSE 最高 0.80% · Bybit Earn

协议解绑期: 14 days · instant

平台年化锁定/解绑阶梯上限
Gate Simple EarnCeFi1.66%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 14:17 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 14:17 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 14:17 KST
Binance Simple EarnCeFi0.12%flexible ·
instant		≤17,701,406
binance.com simple-earn page data · 2026-10-31 14:17 KST
FLOW 最高 7.90% · Ankr ankrFLOW

协议解绑期: ~1 epoch (~7 days) · unstake ~1 epoch or swap

平台年化锁定/解绑阶梯上限
OKX Simple EarnCeFi9.90%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 14:17 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
Ankr ankrFLOW流动性7.90%liquid staking ·
unstake ~1 epoch or swap		–
DefiLlama Yields (yields.llama.fi, free API) · 2026-10-31 14:17 KST · TVL $5.0M · Flow. APY incl. any reward-token emissions (0.00% reward).
Gate Simple EarnCeFi3.20%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 14:17 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 14:17 KST
Binance Simple EarnCeFi0.30%flexible ·
instant		≤1,951,463
binance.com simple-earn page data · 2026-10-31 14:17 KST
CRO

协议解绑期: 28 days

平台年化锁定/解绑阶梯上限
OKX Simple EarnCeFi5.40%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 14:17 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 14:17 KST · Estimated lending rate; Gate public API publishes no tier ladder.
FLR 最高 7.67% · Sceptre sFLR

协议解绑期: delegation: none · staking: locked to validator term · unstake ~14.5 days or swap

平台年化锁定/解绑阶梯上限
Sceptre sFLR流动性7.67%liquid staking ·
unstake ~14.5 days or swap		–
DefiLlama Yields (yields.llama.fi, free API) · 2026-10-31 14:17 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 14:17 KST
Gate Simple EarnCeFi0.31%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 14:17 KST · Estimated lending rate; Gate public API publishes no tier ladder.
BTC 最高 0.50% · OKX Simple Earn

协议解绑期: – · 参考：活期理财 · instant

平台年化锁定/解绑阶梯上限
MEXC SavingsCeFi⚠ 疑似异常: 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 14:10 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 14:10 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.
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 14:10 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.
OKX Simple EarnCeFi0.50%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 14:10 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 14:10 KST
Binance Simple EarnCeFi0.27%flexible ·
instant		0–0.01: 0.27%
binance.com simple-earn page data · 2026-10-31 14:10 KST · Tier rate = real-time base APR + tier bonus APR (Binance shows the bonus separately).
+3 更多
Bitget SavingsCeFinot stated in public data0.15%flexible ·
instant		0–200: 0.15%
bitget.com savings page data · 2026-10-31 14:10 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 EarnCeFi0.10%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 14:10 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 14:10 KST · Supply WBTC; variable rate.
USDT 最高 9.90% · MEXC Savings (0–1,000: 3.90% · 1,000–10,000: 4.90% · 10,000–50,000: 5.20% …)

协议解绑期: – · 参考：活期理财 · instant

平台年化锁定/解绑阶梯上限
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 14:10 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 14:10 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.
Compound v3 (Ethereum)DeFi7.05%flexible ·
instant		–
on-chain Comet getSupplyRate (PublicNode RPC) · 2026-10-31 14:10 KST · Base supply APY, excl. COMP rewards.
Bybit EarnCeFi7.05%flexible ·
instant		0–100: 7.05% · ≥100: 2.05%
Bybit public API v5 /earn/product · 2026-10-31 14:10 KST
Binance Simple EarnCeFi7.05%flexible ·
instant		0–300: 7.05%
binance.com simple-earn page data · 2026-10-31 14:10 KST · Tier rate = real-time base APR + tier bonus APR (Binance shows the bonus separately).
Aave v3 (Ethereum)DeFi6.44%flexible ·
instant		–
Aave official API (api.v3.aave.com) · 2026-10-31 14:10 KST · Supply USDT; variable rate.
+11 更多
OKX Simple EarnCeFi6.40%flexible lending ·
instant		–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 14:10 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
Bybit EarnCeFi6.39%on-chain flexible ·
~3 days redemption		≤15,000,000
Bybit public API v5 /earn/product · 2026-10-31 14:10 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 14:10 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 14:10 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 14:10 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.
Kamino Lend (Solana main)DeFi4.32%flexible ·
instant		–
Kamino official API (api.kamino.finance) · 2026-10-31 14:10 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 14:10 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.
Morpho vault: Smokehouse USDTDeFi3.67%flexible ·
instant		–
Morpho official API (blue-api.morpho.org) · 2026-10-31 14:10 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 14:10 KST
Morpho vault: Steakhouse USDTDeFi2.84%flexible ·
instant		–
Morpho official API (blue-api.morpho.org) · 2026-10-31 14:10 KST · Vault TVL $78M; net APY incl. rewards, after fee.
Gate Simple EarnCeFi2.61%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 14:10 KST · Estimated lending rate; Gate public API publishes no tier ladder.
USDC 最高 7.17% · Bybit Earn

协议解绑期: – · 参考：活期理财 · ~3 days redemption

平台年化锁定/解绑阶梯上限
Bybit EarnCeFi7.17%on-chain flexible ·
~3 days redemption		≤8,000,000
Bybit public API v5 /earn/product · 2026-10-31 14:10 KST
Morpho vault: Yearn OG USDCDeFi7.07%flexible ·
instant		–
Morpho official API (blue-api.morpho.org) · 2026-10-31 14:10 KST · Vault TVL $10M; net APY incl. rewards, after fee.
Morpho vault: Smokehouse USDCDeFi6.82%flexible ·
instant		–
Morpho official API (blue-api.morpho.org) · 2026-10-31 14:10 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 14:10 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.
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 14:10 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.
MEXC SavingsCeFi5.90%flexible ·
instant		0–100: 5.90% · ≥100: 0.90%
mexc.com savings page data · 2026-10-31 14:10 KST · Tier APR = subsidy APR as published; base APR 0.1%.
+13 更多
Morpho vault: Steakhouse USDCDeFi5.83%flexible ·
instant		–
Morpho official API (blue-api.morpho.org) · 2026-10-31 14:10 KST · Vault TVL $63M; net APY incl. rewards, after fee.
Morpho vault: Gauntlet USDC PrimeDeFi5.74%flexible ·
instant		–
Morpho official API (blue-api.morpho.org) · 2026-10-31 14:10 KST · Vault TVL $22M; net APY incl. rewards, after fee.
Aave v3 (Ethereum)DeFi5.58%flexible ·
instant		–
Aave official API (api.v3.aave.com) · 2026-10-31 14:10 KST · Supply USDC; variable rate.
Binance Simple EarnCeFi5.26%flexible ·
instant		0–10,000: 5.26%
binance.com simple-earn page data · 2026-10-31 14:10 KST · Tier rate = real-time base APR + tier bonus APR (Binance shows the bonus separately).
Bybit EarnCeFi5.22%flexible ·
instant		0–100: 5.22% · ≥100: 2.22%
Bybit public API v5 /earn/product · 2026-10-31 14:10 KST
Morpho vault: Hakutora USDCDeFi5.08%flexible ·
instant		–
Morpho official API (blue-api.morpho.org) · 2026-10-31 14:10 KST · Vault TVL $14M; net APY incl. rewards, after fee.
Bybit EarnCeFi5.00%on-chain flexible ·
~0 h redemption		≤100,000,000
Bybit public API v5 /earn/product · 2026-10-31 14:10 KST
Compound v3 (Ethereum)DeFi4.62%flexible ·
instant		–
on-chain Comet getSupplyRate (PublicNode RPC) · 2026-10-31 14:10 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 14:10 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 14:10 KST
Kamino Lend (Solana main)DeFi3.79%flexible ·
instant		–
Kamino official API (api.kamino.finance) · 2026-10-31 14:10 KST
Gate Simple EarnCeFi3.05%flexible lending ·
instant		–
Gate public API v4 /earn/uni/rate · 2026-10-31 14:10 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 14:10 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.
ℹ️ 说明与注意

“flexible lending”（OKX、Gate）为杠杆借贷市场利率而非质押，不计入质押币的“最高”。原生APR由链上数据计算，为扣除验证者佣金前的毛收益。交易所利率按公布原样，多为阶梯制（最高利率仅适用于上限以内）。“最高”不含活动/受限产品。APR/APY按各来源原样显示。⚠＝疑似异常：交易所利率≥该币中位数2.5倍（且+5个百分点），或DefiLlama异常值/TVL低于200万美元——显示但不计入最高。

数据源状态
  • ✅ Solana RPC (native) – 正常 2026-10-31 14:17 KST
  • ✅ Cosmos LCD / PublicNode (ATOM, INJ native) – 正常 2026-10-31 14:17 KST
  • ✅ Lido API – 正常 2026-10-31 14:17 KST
  • ✅ Rocket Pool API – 正常 2026-10-31 14:17 KST
  • ✅ Jito API – 正常 2026-10-31 14:17 KST
  • ✅ Marinade API – 正常 2026-10-31 14:17 KST
  • ✅ OKX ETH/SOL staking API – 正常 2026-10-31 14:17 KST
  • ✅ tonapi.io staking pools (TON) – 正常 2026-10-31 14:17 KST
  • ✅ DefiLlama Yields (curated LST pools) – 正常 2026-10-31 14:17 KST
  • ✅ Binance Simple Earn / Staking (extra coins) – 正常 2026-10-31 14:17 KST
  • ✅ Bybit Earn (Flexible + On-chain) (extra coins) – 正常 2026-10-31 14:17 KST
  • ✅ OKX Simple Earn (lending) (extra coins) – 正常 2026-10-31 14:17 KST
  • ✅ Bitget Savings (extra coins) – 正常 2026-10-31 14:17 KST
  • ✅ Gate Simple Earn (lending) (extra coins) – 正常 2026-10-31 14:17 KST
  • ✅ MEXC Savings/Staking (extra coins) – 正常 2026-10-31 14:17 KST
  • ✅ earn.json (yields.py: ETH/SOL/BNB/BTC/USDT/USDC) – 正常 2026-10-31 14:10 KST
  • · StakingRewards – 不支持（无公开API）: Paid API; terms forbid scraping/redistribution – not used.
  • · Coinbase staking – 不支持（无公开API）: No public unauthenticated rate endpoint – not used.
  • · Kraken staking – 不支持（无公开API）: Earn strategies API requires an API key – not used.
  • · KuCoin / HTX / Crypto.com earn – 不支持（无公开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 – 不支持（无公开API）: No free official endpoint giving the network rate directly without a paid indexer (Subscan/Beaconcha.in keys) – exchange & liquid rows only.

更新 2026-10-31 14:17 KST

按币种的阶梯利率

USDT 最高 9.90% · 21
平台类型阶梯（币数量→年化）资格每人上限
MEXC SavingsCeFi活期0–1,000: 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 14:10 KST · Tier APR = subsidy APR as published; base APR 0.1%.
Bitget SavingsCeFinot stated in public data活期0–300: 7.61%
300–120,000,000: 2.95%		not stated in public data–
bitget.com savings page data · 2026-10-31 14:10 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.
Compound v3 (Ethereum)DeFi活期≥0: 7.05%all users–
on-chain Comet getSupplyRate (PublicNode RPC) · 2026-10-31 14:10 KST · Base supply APY, excl. COMP rewards.
Bybit EarnCeFi活期0–100: 7.05%
≥100: 2.05%		all users100,000,000
Bybit public API v5 /earn/product · 2026-10-31 14:10 KST
Binance Simple EarnCeFi活期0–300: 7.05%
以上部分 300: 3.05%		all users–
binance.com simple-earn page data · 2026-10-31 14:10 KST · Tier rate = real-time base APR + tier bonus APR (Binance shows the bonus separately).
Aave v3 (Ethereum)DeFi活期≥0: 6.44%all users–
Aave official API (api.v3.aave.com) · 2026-10-31 14:10 KST · Supply USDT; variable rate.
OKX Simple EarnCeFi活期≥0: 6.40%all users–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 14:10 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
Bybit EarnCeFi活期 (on-chain)≥0: 6.39%all users15,000,000
Bybit public API v5 /earn/product · 2026-10-31 14:10 KST
MEXC SavingsCeFi活期0–200: 5.90%
200–500: 2.40%
≥500: 0.20%		all users20,000,000
mexc.com savings page data · 2026-10-31 14:10 KST · Tier APR = subsidy APR as published; base APR 0.1%.
Bybit EarnCeFi活期 (on-chain)≥0: 5.00%all users100,000,000
Bybit public API v5 /earn/product · 2026-10-31 14:10 KST
Bitget SavingsCeFinot stated in public data活期0–300,000: 5.00%
300,000–10,000,000: 3.50%		not stated in public data–
bitget.com savings page data · 2026-10-31 14:10 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.
Kamino Lend (Solana main)DeFi活期≥0: 4.32%all users–
Kamino official API (api.kamino.finance) · 2026-10-31 14:10 KST
Bitget SavingsCeFinot stated in public data活期0–300,000: 4.00%
300,000–50,000,000: 2.88%		not stated in public data–
bitget.com savings page data · 2026-10-31 14:10 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.
Morpho vault: Smokehouse USDTDeFi活期≥0: 3.67%all users–
Morpho official API (blue-api.morpho.org) · 2026-10-31 14:10 KST · Vault TVL $20M; net APY incl. rewards, after fee.
Spark (Ethereum)DeFi活期≥0: 3.59%all users–
on-chain Spark Pool getReserveData (PublicNode RPC) · 2026-10-31 14:10 KST
Morpho vault: Steakhouse USDTDeFi活期≥0: 2.84%all users–
Morpho official API (blue-api.morpho.org) · 2026-10-31 14:10 KST · Vault TVL $78M; net APY incl. rewards, after fee.
Gate Simple EarnCeFi活期≥0: 2.61%all users–
Gate public API v4 /earn/uni/rate · 2026-10-31 14:10 KST · Estimated lending rate; Gate public API publishes no tier ladder.
MEXC SavingsCeFi活动restricted (EFTD)定期0–200: 600.00%restricted (EFTD)200
mexc.com savings page data · 2026-10-31 14:10 KST · Tier APR = subsidy APR as published; base APR 600.0%. Fixed term: 2 unit(s) (type 2).
Bitget SavingsCeFinot stated in public data定期 14 天0–3,000,000: 3.20%not stated in public data–
bitget.com savings page data · 2026-10-31 14:10 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.
Bitget SavingsCeFinot stated in public data定期 7 天0–5,000,000: 3.00%not stated in public data–
bitget.com savings page data · 2026-10-31 14:10 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.
Bitget SavingsCeFinot stated in public data定期 7 天0–5,000,000: 1.30%not stated in public data–
bitget.com savings page data · 2026-10-31 14:10 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.
USDC 最高 7.17% · 19
平台类型阶梯（币数量→年化）资格每人上限
Bybit EarnCeFi活期 (on-chain)≥0: 7.17%all users8,000,000
Bybit public API v5 /earn/product · 2026-10-31 14:10 KST
Morpho vault: Yearn OG USDCDeFi活期≥0: 7.07%all users–
Morpho official API (blue-api.morpho.org) · 2026-10-31 14:10 KST · Vault TVL $10M; net APY incl. rewards, after fee.
Morpho vault: Smokehouse USDCDeFi活期≥0: 6.82%all users–
Morpho official API (blue-api.morpho.org) · 2026-10-31 14:10 KST · Vault TVL $11M; net APY incl. rewards, after fee.
Bitget SavingsCeFinot stated in public data活期0–300: 6.66%
300–1,000,000: 3.70%		not stated in public data–
bitget.com savings page data · 2026-10-31 14:10 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.
Bitget SavingsCeFinot stated in public data活期0–300,000: 6.00%
300,000–10,000,000: 3.50%		not stated in public data–
bitget.com savings page data · 2026-10-31 14:10 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.
MEXC SavingsCeFi活期0–100: 5.90%
≥100: 0.90%		all users20,000,000
mexc.com savings page data · 2026-10-31 14:10 KST · Tier APR = subsidy APR as published; base APR 0.1%.
Morpho vault: Steakhouse USDCDeFi活期≥0: 5.83%all users–
Morpho official API (blue-api.morpho.org) · 2026-10-31 14:10 KST · Vault TVL $63M; net APY incl. rewards, after fee.
Morpho vault: Gauntlet USDC PrimeDeFi活期≥0: 5.74%all users–
Morpho official API (blue-api.morpho.org) · 2026-10-31 14:10 KST · Vault TVL $22M; net APY incl. rewards, after fee.
Aave v3 (Ethereum)DeFi活期≥0: 5.58%all users–
Aave official API (api.v3.aave.com) · 2026-10-31 14:10 KST · Supply USDC; variable rate.
Binance Simple EarnCeFi活期0–10,000: 5.26%
以上部分 10,000: 3.26%		all users300,000,000
binance.com simple-earn page data · 2026-10-31 14:10 KST · Tier rate = real-time base APR + tier bonus APR (Binance shows the bonus separately).
Bybit EarnCeFi活期0–100: 5.22%
≥100: 2.22%		all users200,000,000
Bybit public API v5 /earn/product · 2026-10-31 14:10 KST
Morpho vault: Hakutora USDCDeFi活期≥0: 5.08%all users–
Morpho official API (blue-api.morpho.org) · 2026-10-31 14:10 KST · Vault TVL $14M; net APY incl. rewards, after fee.
Bybit EarnCeFi活期 (on-chain)≥0: 5.00%all users100,000,000
Bybit public API v5 /earn/product · 2026-10-31 14:10 KST
Compound v3 (Ethereum)DeFi活期≥0: 4.62%all users–
on-chain Comet getSupplyRate (PublicNode RPC) · 2026-10-31 14:10 KST · Base supply APY, excl. COMP rewards.
OKX Simple EarnCeFi活期≥0: 4.50%all users–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 14:10 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
Spark (Ethereum)DeFi活期≥0: 3.94%all users–
on-chain Spark Pool getReserveData (PublicNode RPC) · 2026-10-31 14:10 KST
Kamino Lend (Solana main)DeFi活期≥0: 3.79%all users–
Kamino official API (api.kamino.finance) · 2026-10-31 14:10 KST
Gate Simple EarnCeFi活期≥0: 3.05%all users–
Gate public API v4 /earn/uni/rate · 2026-10-31 14:10 KST · Estimated lending rate; Gate public API publishes no tier ladder.
Bitget SavingsCeFinot stated in public data活期0–10,000,000: 2.28%not stated in public data–
bitget.com savings page data · 2026-10-31 14:10 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.
USDS 最高 3.80% · 1
平台类型阶梯（币数量→年化）资格每人上限
Sky sUSDSDeFi活期≥0: 3.80%all users–
on-chain sUSDS ssr() (PublicNode RPC) · 2026-10-31 14:10 KST · Sky Savings Rate; USDS (convertible 1:1 from DAI/USDC via Sky).
USDe 最高 5.00% · 1
平台类型阶梯（币数量→年化）资格每人上限
Ethena sUSDeDeFi活期 (7d unstake)≥0: 5.00%all users–
ethena.fi official yield API · 2026-10-31 14:10 KST · Staking yield as published (28 Oct 26); variable, synthetic-dollar risk.
BTC 最高 6.99% · 11
平台类型阶梯（币数量→年化）资格每人上限
MEXC SavingsCeFi活期0–0.002: 6.99%
0.002–0.03: 0.29%
≥0.03: 0.09%		all users100
mexc.com savings page data · 2026-10-31 14:10 KST · Tier APR = subsidy APR as published; base APR 0.01%.
Bitget SavingsCeFinot stated in public data活期0–0.003: 1.88%
0.003–100: 0.12%		not stated in public data–
bitget.com savings page data · 2026-10-31 14:10 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.
Bitget SavingsCeFinot stated in public data活期0–5: 1.00%
5–20: 0.60%		not stated in public data–
bitget.com savings page data · 2026-10-31 14:10 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.
OKX Simple EarnCeFi活期≥0: 0.50%all users–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 14:10 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
Bybit EarnCeFi活期0–0.003: 0.40%
≥0.003: 0.10%		all users1,500
Bybit public API v5 /earn/product · 2026-10-31 14:10 KST
Binance Simple EarnCeFi活期0–0.01: 0.27%
以上部分 0.01: 0.02%		all users4,200,000
binance.com simple-earn page data · 2026-10-31 14:10 KST · Tier rate = real-time base APR + tier bonus APR (Binance shows the bonus separately).
Bitget SavingsCeFinot stated in public data活期0–200: 0.15%not stated in public data–
bitget.com savings page data · 2026-10-31 14:10 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 EarnCeFi活期≥0: 0.10%all users–
Gate public API v4 /earn/uni/rate · 2026-10-31 14:10 KST · Estimated lending rate; Gate public API publishes no tier ladder.
Aave v3 (Ethereum)DeFi活期≥0: 0.00%all users–
Aave official API (api.v3.aave.com) · 2026-10-31 14:10 KST · Supply WBTC; variable rate.
MEXC SavingsCeFi活动restricted (EFTD)定期0–0.005: 600.00%restricted (EFTD)0.005
mexc.com savings page data · 2026-10-31 14:10 KST · Tier APR = subsidy APR as published; base APR 600.0%. Fixed term: 1 unit(s) (type 2).
Bybit EarnCeFi定期 45 天≥0: 1.20%all users200
Bybit public API v5 /earn/product · 2026-10-31 14:10 KST
ETH 最高 6.90% · 20
平台类型阶梯（币数量→年化）资格每人上限
MEXC SavingsCeFi活期0–0.05: 6.90%
0.05–0.3: 1.90%
≥0.3: 0.90%		all users–
mexc.com savings page data · 2026-10-31 14:10 KST · Tier APR = subsidy APR as published; base APR 0.1%.
Bitget SavingsCeFinot stated in public data活期0–0.1: 6.66%
0.1–1,000: 1.30%		not stated in public data–
bitget.com savings page data · 2026-10-31 14:10 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.
Bitget SavingsCeFinot stated in public data活期0–100: 4.50%
100–1,000: 3.00%		not stated in public data–
bitget.com savings page data · 2026-10-31 14:10 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.
Spark (Ethereum)DeFi活期≥0: 3.50%all users–
on-chain Spark Pool getReserveData (PublicNode RPC) · 2026-10-31 14:10 KST
Bybit EarnCeFi活期 (on-chain)≥0: 2.17%all users10,000
Bybit public API v5 /earn/product · 2026-10-31 14:10 KST
Bybit EarnCeFi活期 (on-chain)≥0: 2.12%all users5,000
Bybit public API v5 /earn/product · 2026-10-31 14:10 KST
Gate Simple EarnCeFi活期≥0: 1.83%all users–
Gate public API v4 /earn/uni/rate · 2026-10-31 14:10 KST · Estimated lending rate; Gate public API publishes no tier ladder.
Aave v3 (Ethereum)DeFi活期≥0: 1.52%all users–
Aave official API (api.v3.aave.com) · 2026-10-31 14:10 KST · Supply WETH; variable rate.
Bitget SavingsCeFinot stated in public data活期0–2,000: 1.35%not stated in public data–
bitget.com savings page data · 2026-10-31 14:10 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 EarnCeFi活期0–0.2: 1.24%
以上部分 0.2: 1.14%		all users58,460
binance.com simple-earn page data · 2026-10-31 14:10 KST · Tier rate = real-time base APR + tier bonus APR (Binance shows the bonus separately).
OKX Simple EarnCeFi活期≥0: 1.00%all users–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 14:10 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
Bybit EarnCeFi活期≥0: 0.80%all users6,000
Bybit public API v5 /earn/product · 2026-10-31 14:10 KST
MEXC SavingsCeFi活动restricted (EFTD)定期0–0.1: 200.00%restricted (EFTD)0.1
mexc.com savings page data · 2026-10-31 14:10 KST · Tier APR = subsidy APR as published; base APR 200.0%. Fixed term: 1 unit(s) (type 2).
Binance Simple EarnCeFi定期 60 天≥0: 1.90%all users20,000
binance.com simple-earn page data · 2026-10-31 14:10 KST
Binance Simple EarnCeFi定期 7 天≥0: 1.70%all users10,000
binance.com simple-earn page data · 2026-10-31 14:10 KST
Binance Simple EarnCeFi定期 90 天≥0: 1.70%all users20,000
binance.com simple-earn page data · 2026-10-31 14:10 KST
Bitget SavingsCeFinot stated in public data定期 7 天0–2,000: 1.50%not stated in public data–
bitget.com savings page data · 2026-10-31 14:10 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.
Bitget SavingsCeFinot stated in public data定期 14 天0–300: 1.32%not stated in public data–
bitget.com savings page data · 2026-10-31 14:10 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 EarnCeFi定期 7 天≥0: 1.30%all users10,000
binance.com simple-earn page data · 2026-10-31 14:10 KST
Bitget SavingsCeFinot stated in public data定期 7 天0–100: 1.30%not stated in public data–
bitget.com savings page data · 2026-10-31 14:10 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.
SOL 最高 5.90% · 16
平台类型阶梯（币数量→年化）资格每人上限
MEXC SavingsCeFi活期0–3: 5.90%
≥3: 2.90%		all users–
mexc.com savings page data · 2026-10-31 14:10 KST · Tier APR = subsidy APR as published; base APR 0.1%.
Bybit EarnCeFi活期 (on-chain)≥0: 4.78%all users100,001
Bybit public API v5 /earn/product · 2026-10-31 14:10 KST
Bybit EarnCeFi活期 (on-chain)≥0: 4.30%all users10,000
Bybit public API v5 /earn/product · 2026-10-31 14:10 KST
OKX Simple EarnCeFi活期≥0: 4.00%all users–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 14:10 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
Kamino Lend (Solana main)DeFi活期≥0: 3.91%all users–
Kamino official API (api.kamino.finance) · 2026-10-31 14:10 KST
Gate Simple EarnCeFi活期≥0: 2.86%all users–
Gate public API v4 /earn/uni/rate · 2026-10-31 14:10 KST · Estimated lending rate; Gate public API publishes no tier ladder.
Bitget SavingsCeFinot stated in public data活期0–5,000: 2.80%not stated in public data–
bitget.com savings page data · 2026-10-31 14:10 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.
Bitget SavingsCeFinot stated in public data活期0–50,000: 2.60%not stated in public data–
bitget.com savings page data · 2026-10-31 14:10 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 EarnCeFi活期≥0: 2.22%all users353,107
binance.com simple-earn page data · 2026-10-31 14:10 KST
Bybit EarnCeFi活期≥0: 0.80%all users20,000
Bybit public API v5 /earn/product · 2026-10-31 14:10 KST
MEXC SavingsCeFi活动restricted (EFTD)定期0–2: 200.00%restricted (EFTD)2
mexc.com savings page data · 2026-10-31 14:10 KST · Tier APR = subsidy APR as published; base APR 200.0%. Fixed term: 1 unit(s) (type 2).
Binance Simple EarnCeFi定期 60 天≥0: 3.90%all users2,000,000
binance.com simple-earn page data · 2026-10-31 14:10 KST
Binance Simple EarnCeFi定期 90 天≥0: 3.80%all users500,000
binance.com simple-earn page data · 2026-10-31 14:10 KST
Binance Simple EarnCeFi定期 7 天≥0: 3.20%all users2,000,000
binance.com simple-earn page data · 2026-10-31 14:10 KST
Binance Simple EarnCeFi定期 7 天≥0: 3.00%all users200,000
binance.com simple-earn page data · 2026-10-31 14:10 KST
Bitget SavingsCeFinot stated in public data定期 14 天0–2,000: 2.25%not stated in public data–
bitget.com savings page data · 2026-10-31 14:10 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.
BNB 最高 1.00% · 9
平台类型阶梯（币数量→年化）资格每人上限
OKX Simple EarnCeFi活期≥0: 1.00%all users–
OKX public API v5 /finance/savings/lending-rate-summary · 2026-10-31 14:10 KST · Lending market estimated rate; OKX public API publishes no tier ladder or promo tiers.
Bybit EarnCeFi活期≥0: 0.80%all users2,500
Bybit public API v5 /earn/product · 2026-10-31 14:10 KST
Gate Simple EarnCeFi活期≥0: 0.58%all users–
Gate public API v4 /earn/uni/rate · 2026-10-31 14:10 KST · Estimated lending rate; Gate public API publishes no tier ladder.
Bitget SavingsCeFinot stated in public data活期0–1,500: 0.50%not stated in public data–
bitget.com savings page data · 2026-10-31 14:10 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 EarnCeFi活期0–1: 0.19%
以上部分 1: 0.07%		all users20,000,000
binance.com simple-earn page data · 2026-10-31 14:10 KST · Tier rate = real-time base APR + tier bonus APR (Binance shows the bonus separately).
Binance Simple EarnCeFi定期 120 天≥0: 0.32%all users1,200,000
binance.com simple-earn page data · 2026-10-31 14:10 KST
Binance Simple EarnCeFi定期 7 天≥0: 0.30%all users1,000,000
binance.com simple-earn page data · 2026-10-31 14:10 KST
Binance Simple EarnCeFi定期 90 天≥0: 0.30%all users1,000,000
binance.com simple-earn page data · 2026-10-31 14:10 KST
Binance Simple EarnCeFi定期 7 天≥0: 0.25%all users1,000,000
binance.com simple-earn page data · 2026-10-31 14:10 KST
ℹ️ 说明与注意

CeFi利率来自各交易所理财页面使用的公开（无需登录）数据或官方公开API；DeFi来自协议官方API或链上读取（PublicNode RPC）。失败的数据源显示为不可用，绝不估算。

仅为数据，非投资建议。CeFi存款承担交易所信用风险；DeFi有智能合约与脱锚风险。存入前请查看平台页面。

数据源状态
  • ✅ Binance Simple Earn – 正常 2026-10-31 14:10 KST
  • ✅ Bybit Earn – 正常 2026-10-31 14:10 KST
  • ✅ OKX Simple Earn – 正常 2026-10-31 14:10 KST
  • ✅ Bitget Savings – 正常 2026-10-31 14:10 KST
  • ✅ Gate Simple Earn – 正常 2026-10-31 14:10 KST
  • ✅ MEXC Savings – 正常 2026-10-31 14:10 KST
  • ✅ Aave v3 – 正常 2026-10-31 14:10 KST
  • ✅ Compound v3 – 正常 2026-10-31 14:10 KST
  • ✅ Spark – 正常 2026-10-31 14:10 KST
  • ✅ Sky sUSDS – 正常 2026-10-31 14:10 KST
  • ✅ Ethena sUSDe – 正常 2026-10-31 14:10 KST
  • ✅ Morpho – 正常 2026-10-31 14:10 KST
  • ✅ Kamino – 正常 2026-10-31 14:10 KST
  • ✅ Bybit Crypto Loan – 正常 2026-10-31 14:10 KST
  • ✅ Bitget Crypto Loan – 正常 2026-10-31 14:10 KST
  • ✅ OKX margin borrow – 正常 2026-10-31 14:10 KST
不支持的平台（无公开API）– 并非故障
  • · KuCoin Earn – 不支持（无公开API）: Earn product list needs a signed API key; web page data endpoint not public (400/404) – not used.
  • · HTX Earn – 不支持（无公开API）: No public unauthenticated earn product endpoint found (404) – not used.
  • · Binance Flexible Loan – 不支持（无公开API）: Loan rate API (/sapi/v2/loan/flexible/loanable/data) requires an API key – not used.
  • · OKX Flexible Loan – 不支持（无公开API）: Flexible-loan endpoints return 401 without a key – OKX margin basic rate shown instead.
  • · Nexo – 不支持（无公开API）: No public JSON rate endpoint – not used.
  • · Liquity v2 (BOLD) – 不支持（无公开API）: User-set interest rates per trove; no single market rate – not covered yet.

更新 2026-10-31 14:10 KST

仅供参考，不构成投资建议。数据可能延迟或不准确。 完整免责声明 → 数据来源：金融监督院 OpenDART；股价：韩国金融委员会官方前一交易日收盘价（公共数据门户）及FinanceData/marcap历史数据；指数：FinanceDataReader；汇率：欧洲央行参考汇率；加密资产：Upbit、Bithumb、Binance公开API。
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