Crypto Lending and Savings Accounts

16 Leading Crypto Lending and Savings Accounts for Earning in 2023

Unlock the potential of your Bitcoin with leading peer-to-peer lending and crypto savings accounts, designed for both individual investors and businesses. These platforms offer a strategic avenue for earning passive income, presenting an innovative way to generate returns on your long-term crypto investments.

Whether securing a loan for business growth or maximizing the yield on your Bitcoin, our selection of services provides trustworthy options for putting your digital assets to work. Dive into our list and start making your cryptocurrency work for you today.

Maximize Earnings: Premier Crypto Lending and Savings Platforms

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  • Use the filtered links below to quickly find the top-ranking services on each category.

    Explore All: Comprehensive Crypto Investment Opportunities

    BlockFi - Best Crypto Services

    BlockFi lets you earn interest, borrow USD, grow wealth, and do a lot more with your cryptocurrencies. They make it possible to earn up to 8.6% compound interest annually.

    Coinload - Best Crypto Services

    Coinloan is a peer-to-peer lending platform providing crypto loans that are backed by crypto assets. Based in Tallinn this platform has a unique model making it different from the crowd.

    YouHodler is a fresh crypto focused lending platform providing a variety of services to boost cryptocurrency hodlers income and hedge their portfolios with products such as crypto backed loans, multi hodl, turbocharge and up to 12% interest on a variety of coins.

    Constant - Best Crypto Services

    Constant is a peer to peer collateral-based crypto lending platform. The platform lets users invest the way they want, without minimum capital, at the same time borrowers can borrow without limits, and with their own fixed rates. With the service, you can earn up to 9% annually, and withdrawn anytime.

    Nebeus - Best Crypto Services

    Nebeus offers a variety of financial services that allow users to realize the full value of their cryptocurrencies. such as instant withdrawing on bank cards anywhere in the world and crypto savings account which lets users earn up to 8.45% interest on their investments.

    Bitbond - Best Crypto Services

    Bitbond has been around for a while it is a peer-to-peer crypto lending platform that operates globally for small business loans. Bitbond has transparent pricing and low fees. Interest rates start at just 1% per month. Whether you are a borrower or lender, they have it all figured making investing easier and giving you access to instant financing.

    Salt - Best Crypto Services

    Salt is the original crypto-backed p2p loan platform. The platform lets you invest and monitor your loan-to-value ratio and loan collateral details on the go. Borrowers can loan for both account types both business and personal. And, if you were new to the platform you can earn 50 dollars for free! Note that Salt is not available in all jurisdictions.

    Get a loan through Salt, and earn 50 dollars for free!

    Celcius Network

    Celcius Network lets you earn interest on your crypto and instantly borrow against it. Celsius Network also shares up to 80% of its revenues with the Celsius community depositors in the form of weekly interest payments. All users can earn up to 10%.

    Sign up on Celcius using code “1752259f17” and receive $10 for free!


    BTCPOP is a marketplace providing peer to peer reputation based crypto loans. Users can exchange, borrow, loan, stake and fund their business through the platform.


    XCoins is another peer-to-peer lending platform that operates more like an exchange giving you access to either lend or buy bitcoin via a credit card or PayPal.

    Lend by HodlHodl is a non-custodial Bitcoin-backed peer to peer lending platform. Lend not only operates globally, but it also allows anyone to easily lend and borrow cryptocurrencies privately and securely without needing to trust third parties.

    Hodlnaut is a crypto finance savings account for earning rewards on your Bitcoin, and other cryptocurrencies. Deposit your BTC, ETH, DAI, USDC, USDT, or WBTC, and earn up to 10.5% APY without lockups or withdrawal limits.

    Ledn is a professional finance service platform that allows you to do more with your digital assets. With Ledn you can take Bitcoin backed loans, or open savings accounts for Bitcoin & USDC with up to 8.6% APY. Additionally, you can also double your Bitcoin holdings using your savings account balances, basically leveraging your initial position. It’s also worth mentioning that Ledn assets are insured by BitGo.

    Atomic.Finance is a non-custodial Bitcoin finance platform utilizing atomic swaps for Bitcoin-backed loans. The platform is building a promising a future where anyone can stack sats, and earn yield on bitcoin without giving up their custody.

    Bankera Loans is a crypto-backed credit line service that allows users to get competitive loans with flexible repayment programs. The platform is owned and operated by Spectrocoin, which well known and established old school crypto company.

    LendaBit is a P2P focused lending platform for instant credit lines in fiat. With LendaBit you can quickly and easily borrow against your crypto collateral, and provide loans, all within the peer to peer economy without intermediaries. It’s also worth noting that LendaBit has partnered with BitGo to offer 100% insurance.

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