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Best & Worst Crypto Lending Platforms 2026

<article>
<section>
<h2>Crypto Lending Platforms 2026</h2>
<p>What do you think of using your crypto to earn free bitcoin? Sounds good, no? Thanks to crypto lending platforms, you can use your crypto to earn free crypto. How? It&rsquo;s easy, just transfer your crypto to one of the leading crypto lending platforms, which deploy your assets and pay an attractive yield to you.</p>
<p>In this comprehensive guide about crypto lending platforms, we will dive deeper into this investment form and teach you all you need to know in order to choose the right crypto lending platform and earn passive income on your bitcoin or any other crypto.</p>
<p>In this comprehensive guide, we will look at the crypto lending business model by drawing a comparison between the best crypto lending platforms and offering our judgment about the safety of this investment.</p>
<div class="alert-box">
<h3>Disclaimer</h3>
<p>Remember that crypto lending is not risk-free. The information in this article is not meant to represent any investment advice. The platform risk might vary, so we suggest conducting in-depth due diligence before registering on any available platforms.</p>
</div>
<div class="tips-box">
<h3>What You'll Learn Today</h3>
<ol>
<li><a href="#crypto-lending">What is Crypto Lending</a></li>
<li><a href="#crypto-lending-comparison">Best Crypto Lending Platforms</a></li>
<li><a href="#how-it-works">How Does Crypto Lending Work?</a></li>
<li><a href="#crypto-lending-safety">Is Crypto Lending Safe?</a></li>
<li><a href="#crypto-lending-risk">Risk of Crypto Lending</a></li>
</ol>
</div>
<div class="info-box">
<h3>What is Crypto Lending?</h3>
<p>By participating in crypto lending, you are lending your crypto in exchange for interest payments. You can either lend your crypto directly to borrowers or you can lend it to centralized crypto lending platforms that deploy your crypto and generate income.</p>
<h3 id="crypto-lending"></h3>
</div>
</section>
<section>
<h2 id="crypto-lending-comparison">Best Crypto Lending Platforms</h2>
<p>There are dozens of crypto lending platforms out there and it&rsquo;s not a secret that some of them are very shady. (<a href="https://p2pempire.com/en/review/midas-investments">Midas Investments</a>, <a href="https://p2pempire.com/en/review/coinrabbit">CoinRabbit</a>, Nexo, <a href="https://p2pempire.com/en/review/constant">Constant</a> and more.) We at P2P Empire, dive deeper into every platform to fully comprehend their business model, which enables us to evaluate the risks and compare various platforms against each other.</p>
<p>Here are some crypto lending platforms you could consider in 2026. We have highlighted those platforms that still offer crypto interest accounts to new users from the USA.</p>
<p>Now, let&rsquo;s look at some of the most popular crypto lending platforms in 2026.</p>
<p><mark>This crypto lending comparison will give you a better idea about the offers from individual crypto lending platforms.</mark></p>
<table class="comparison5">
<tbody>
<tr>
<th>Crypto Lending Platform</th>
<th>Interest Rates</th>
<th>Supported Coins / Currencies</th>
<th>Token Required</th>
<th>Our Rating</th>
</tr>
<tr>
<td><a href="#youhodler">YouHodler</a></td>
<td>3% - 8%</td>
<td>ETH, BTC, USDT, DAI, PAX, DASH, LTC, XRP and 30 more</td>
<td>No</td>
<td>4.5/5</td>
</tr>
<tr>
<td><a href="#crypto">Crypto.com Earn</a></td>
<td>1.5% - 14%</td>
<td>CRO, BTC, ETH, LTC, USDC, CAD, BNB and 27 more</td>
<td>Yes</td>
<td>2.62/5</td>
</tr>
<tr>
<td><a href="#ledn">Ledn</a></td>
<td>2% - 7.25%</td>
<td>BTC, USDC</td>
<td>No</td>
<td>3.7/5</td>
</tr>
</tbody>
</table>
<p><mark>Certain crypto lending platforms offer higher interest rates only if you stake (hold) their utility token. </mark></p>
<p>Keen to compare individual features against each other? Become a member of our project and access our updated crypto lending comparison table, where you can get exclusive insights and compare all platforms in one view.</p>
<p><em>Our premium crypto lending comparison table will save you weeks of research. If you plan to deploy a significant amount of crypto, we highly recommend reviewing our crypto lending platform comparison sheet. </em></p>
<p>Let&rsquo;s break down every crypto lending platform, to better understand whether it&rsquo;s a good fit for you.</p>
<h2 id="youhodler">YouHodler</h2>
<img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/youhodler-review.webp" border="0" alt="youhodler review" loading="lazy" data-src="https://p2pgallery.s3.eu-central-1.amazonaws.com/youhodler-review.webp">
<p>YouHodler is one of the most transparent crypto lending platforms in the world. This company is based in Switzerland but offers its crypto interest account from Cyprus.</p>
<p>You can earn up to 8% <a href="https://p2pempire.com/en/stablecoin-interest-rates">interest on your stablecoins</a>, 3% interest on your Bitcoin, and 4% <a href="https://p2pempire.com/en/earn-interest-on-ethereum">APY on Ethereum</a>. YouHodler currently supports 55 different cryptocurrencies, which means that you can earn interest on a variety of digital currencies for free.</p>
<p>To earn a yield on YouHodler, you can simply deposit your fiat currency and exchange it into any crypto of your choice. The platform also offers the option to buy crypto directly on YouHodler.</p>
<p>As on any other crypto lending platform, you can transfer crypto directly to your YouHodler wallet for free.</p>
<div class="pros">
<h3>YouHodler's Pros</h3>
<ul>
<li>Transparent legal setup</li>
<li>Competitive rates</li>
<li>Excellent support</li>
</ul>
</div>
<div class="cons">
<h3>YouHodler's Cons</h3>
<ul>
<li>Not available for US citizens</li>
<li>Complex fee structure for the Multi HODL feature</li>
<li>Higher fees for FIAT transactions</li>
</ul>
</div>
<p>YouHodler is one of the top platforms in the crypto lending niche and likely one of the best options for more conservative crypto enthusiasts. YouHodler&rsquo;s reward system is very transparent and you don&rsquo;t need to worry about staking any platform tokens.</p>
<p class="question">Ready to start earning interest on YouHodler? Keen to use the <a href="https://p2pempire.com/en/cashback-bonus/youhodler-referral-code">YouHodler promo code</a> and earn passive income on your crypto?</p>
<button class="redirect external_link_button promo" value="youhodler">Earn Interest on YouHodler</button><center>
<p>Or learn more in our in-depth <a href="review/youhodler">YouHodler review</a>.</p>
</center></section>
<section>
<section>
<h2 id="crypto">Crypto.com Earn</h2>
<img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/cryptocom-review.webp" border="0" alt="cryptocom review" loading="lazy" data-src="https://p2pgallery.s3.eu-central-1.amazonaws.com/cryptocom-review.webp">
<p>Crypto.com Earn product is competing with other high-yielding crypto interest accounts. You can earn interest on the most popular cryptos and various tokens.</p>
<p>However, be aware that the highest interest rate is only available for users who stake $40,000 of the native CRO token and lock their funds for 3 months.</p>
<p>Unless you are very confident that the value of the CRO tokens will increase, this is not an offer you should be exploring as various other crypto lending platforms are much more transparent and offer a higher yield, without the need to deposit any highly volatile utility tokens or lock your assets for a specific period.</p>
<div class="pros">
<h3>Crypto Earn Pros</h3>
<ul>
<li>Established brand</li>
<li>Many supported coins</li>
<li>Multifunctional App</li>
</ul>
</div>
<div class="cons">
<h3>Crypto Earn Cons</h3>
<ul>
<li>Undisclosed business model</li>
<li>Undisclosed fees</li>
<li>CRO token staking is required</li>
</ul>
</div>
<p>If you are unwilling to stake any CRO tokens or lock up your assets, you will earn low single-digit returns on your cryptocurrencies with the Crypto.com Earn product.</p>
<p><mark>Find the best <a href="https://p2pempire.com/en/crypto-interest-account">Crypto Interest Account</a> in 2026.</mark></p>
<center>
<p class="question">Get the <a href="https://p2pempire.com/en/cashback-bonus/crypto-com-referral-code">$25 Crypto.com referral code</a> and try it anyway!</p>
</center><button class="redirect external_link_button promo" value="crypto">Earn Interest on Crypto.com</button>
<p>Or review our <a href="https://p2pempire.com/en/review/crypto">"Crypto.com Earn review</a>.</p>
</section>
<section>
<h2 id="ledn">Ledn</h2>
<img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/ledn-review.webp" border="0" alt="cabital review" loading="lazy" data-src="https://p2pgallery.s3.eu-central-1.amazonaws.com/ledn-review.webp">
<p>Ledn is a Canadian crypto lending platform that offers yield on BTC and USDC. You can earn a flat rate of 7.5% on your stablecoins and up to 5.25% on your bitcoin (up to 0.1 BTC). If you plan to deposit more BTC, you will only earn 2% APY.</p>
<p>Note, however, that to withdraw your crypto, you are looking at a 35 USDC fee for your stablecoins and the miner fees for your BTC withdrawals.</p>
<div class="pros">
<h3>Ledn's Pros</h3>
<ul>
<li>Offers bitcoin-backed mortgages</li>
<li>No minimum deposit required</li>
<li>Based in Canada</li>
</ul>
</div>
<div class="cons">
<h3>Ledn's Cons</h3>
<ul>
<li>Only 2 supported coins</li>
<li>Transfer of ownership</li>
<li>Limited track record</li>
</ul>
</div>
<p class="question">Keen to give it a go? Get a $10 USDC bonus!</p>
<button class="redirect external_link_button promo" value="ledn">Earn Interest on Ledn</button><center>Find out more about how Ledn works in our in-depth <a href="review/ledn">Ledn review</a>.</center></section>
<section>
<h2 id="how-it-works">How Does Crypto Lending Work?</h2>
<p>In its simplest form, you lend your crypto on a crypto lending platform in exchange for interest payments.</p>
<img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/crypto-lending-explained.webp" border="0" alt="crypto lending platforms" loading="lazy" data-src="https://p2pgallery.s3.eu-central-1.amazonaws.com/crypto-lending-explained.webp">
<p>The platform you choose uses your deposits to generate revenue, which is, to some extent, paid to you as a yield on a weekly or daily basis.</p>
<p>Keep in mind that if the borrower isn&rsquo;t able to repay the loan, the collateral is liquidated, and the depositors receive their deposits back.</p>
<p>In the illustration below, you can review how most of the platforms make money.</p>
<img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/crypto-lending-business-models.webp" border="0" alt="crypto lending explained" loading="lazy" data-src="https://p2pgallery.s3.eu-central-1.amazonaws.com/crypto-lending-business-models.webp">
<p>Many users of crypto lending platforms believe that they only lend money to borrowers who offer collateral as a security. However, this is not always the case. Some of the platforms don&rsquo;t even lend money to retail borrowers.</p>
<p>Keep in mind that crypto lending platforms don&rsquo;t only make money from the interest spread that they charge to borrowers but also from other services.</p>
<p>Some crypto lending platforms lend money to institutions and exchanges, invest in DeFi protocols, invest in mining facilities, or trade your assets to generate yields.</p>
<p>Most platforms also charge withdrawal or exchange fees when you swap between different currencies.</p>
<p>Some of the crypto lending sites also engage in rehypothecation, which means they deploy the borrower&rsquo;s collateral to generate yield.</p>
<p>Last but not least, some players speculate with your assets or engage in some type of market manipulation activities.</p>
<p>In this table, you can learn which platforms follow what type of yield-generating activities.</p>
<table class="comparison2">
<tbody>
<tr>
<th>Platform</th>
<th>Business Model</th>
</tr>
<tr>
<td>YouHodler</td>
<td>Crypto-lending in-house</td>
</tr>
<tr>
<td>Crypto.com Earn</td>
<td>Unknown</td>
</tr>
</tbody>
</table>
</section>
<section>
<h2 id="crypto-lending-safety">Is Crypto Lending Safe?</h2>
<p>Despite many crypto lending platforms promoting crypto interest accounts as a &ldquo;safe haven&rdquo; for crypto hodlers, there are always risks that you should consider.</p>
<p>The risk of your deposits is always related to the platform&rsquo;s business model.</p>
<p>Suppose the platform only uses your crypto to fund its crypto lending products on the platform. In that case, the company can fully control the issuance and funding of loans which significantly decreases the risks as you are not exposed to external risk factors.</p>
<p>When the platform engages in DeFi lending, mining, trading, or rehypothecation, the platform cannot fully control all the risks associated with those types of yield-generating activities.</p>
<p>Bad actors are frequently hacking DeFi protocols, and in the past, there have been instances where the deployed assets have been stolen (i.e., on Celsius).</p>
<p>The crypto lending platforms don&rsquo;t publicly disclose what type of DeFi protocols they are using and how they protect your funds, which means that you can only rely on the people who run those companies to not run away with your money.</p>
<p><mark>We highly recommend reading our in-depth reviews to learn more about known red flags, which significantly impact your deposits' safety. </mark></p>
</section>
<section>
<h2 id="crypto-lending-risk">Risks of Crypto Lending</h2>
<p>Crypto lending is not risk-free.</p>
<p>While some companies in the industry are relatively transparent and honest about their business practices, others are not.</p>
<p>Suppose you end up depositing crypto on a crypto lending platform that only funds its crypto loans. In that case, the risk is relatively low as those loans are overcollateralized with crypto assets, which are liquidated when the value of the collateral drops.</p>
<p>Suppose you deposit your crypto on platforms that engage in other yield-generating activities. In that case, your deposits are often not backed by any collateral, which means you might be exposed to unknown risks.</p>
<p>The greed of unregulated crypto lending platforms based offshore or hiding behind shell companies can quickly become a Ponzi scheme. This turned out to be the case with platforms such as Celsius, BlockFi or <a href="https://p2pempire.com/en/review/vauld">Vauld</a>.</p>
<p>At the end of the day, you agree to lose money in the platform&rsquo;s terms and conditions, and the crypto lending site can do whatever they want with your assets.</p>
<p>While highly speculative yield-generating activities might turn out to be profitable during bull runs (when the market goes up), they can easily backfire in the bear market (when the market goes down).</p>
<p>Opportunistic crypto lending platforms can easily use the deposits of new users to pay interest to the &ldquo;older&rdquo; users, and there is no regulator to check on those practices.</p>
<p>Note that even legitimate players may have to shut down their operations. <a href="https://p2pempire.com/en/review/cabital">Cabital</a>, one of the Asian platforms, announced that its business model isn't profitable, which is why it enabled users to withdraw their funds and closed down its operations.</p>
<p>While we believe that there are also honest players in the industry, we suggest you do in-depth market research before depositing a larger amount of cryptos.</p>
<div class="tips-box">
<h3>Keep Your Crypto Safe</h3>
<p>If you choose to deposit your crypto assets on any crypto-earning platform, you should be aware that you are essentially losing access to your private keys. It's highly recommended to store most of your assets on a secure crypto hardware wallet such as 🔒 <button class="redirect externaltext" value="ledgerstax">Ledger Stax</button>.</p>
</div>
</section>
</section>
</article>

Best Crypto Lending Platform 2026 ⏩ Compare the safest crypto lending platforms ☑️ Safest platforms ✅  Crypto P2P Lending Platforms ⭐ Best Crypto Loans.

Best Crypto Lending Platform 2026 🎖️ Comparison  

Compare the most popular crypto lending platforms to find which one is the best fit for you.

Best & Worst Crypto Lending Platforms 2026

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