Explore our blog articles to learn how to increase your income and save money ⏩ Online brokers ⏩ Debit Cards ⏩ Crypto wallets.

Blog | Personal Finance Guides & Reviews

Increase your wealth with insights from the finance world. 

Blog 

Esketit

Peerberry

InRento

Crowdpear

Robocash

Fintown

Income

Capitalia

Lande

YouHodler

Profitus

Ledn

Yield App

Afranga

Bondora

Swaper

Mintos

Crowdestate

CrowdedHero

Lonvest

Heavy Finance

GoParity

Viainvest

Iuvo Group

Bridgefund

Brickstarter

Neo Finance

Nordstreet

EvenFi

Civislend

EstateGuru

Debitum

Twino

Bondster

Bullride

Bulkestate

Crypto

Nibble

Crowdestor

Lendermarket

Reinvest24

Max Crowdfund

Coinrabbit

Monefit

Wisefund

Viventor

MyConstant

Nexo

Celsius

DoFinance

Haru Invest

Rendity


Grupeer

Fast Invest

Envestio

Earn Interest On Ethereum

<article>
<h2>Earn Interest on Ethereum in 2022</h2>
<p>Ready to earn interest on Ethereum? Let&rsquo;s look at the best platforms that offer the highest ETH APY. This ultimate guide will show you how to earn free Ethereum and generate passive income on your crypto.</p>
<div class="tips-box">
<h3>Criteria To Consider When Earning Interest On Ethereum</h3>
<p>In this comparison of the best crypto lending platforms that offer the highest APY on ETH , we will be looking at the following factors that determine your return on your Ethereum:</p>
<ul>
<li>Ethereum rates</li>
<li>Tiers</li>
<li>Staking requirements</li>
<li>Need for utility tokens</li>
</ul>
</div>
<p>Those four factors are essential to evaluate your real return from top Ethereum lending platforms.</p>
<h2>How To Earn Ethereum</h2>
<p>Here is a quick overview of the best Ethereum lending platforms that offer a high yield on your Ethereum deposits.</p>
<img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/earn-ethereum.webp" border="0" alt="bitcoin lending platforms" width="auto" height="auto" loading="lazy" data-src="https://p2pgallery.s3.eu-central-1.amazonaws.com/earn-ethereum.webp" />
<p>Keep in mind that if the crypto lending site requires you to stake your crypto, buy utility tokens, or change rates based on the amount of Ethereum you deposit, the flexibility of your Ethereum savings account decreases.</p>
<p>We have also highlighted the platforms <strong>currently offering interest on your Ethereum holdings even if you reside in the U.S</strong>. Several platforms don&rsquo;t offer yield on Ethereum due to regulatory restrictions in the U.S.</p>
<p>We have scored all the listed platforms based on 43 criteria, including risk-oriented variables and red flags. If you want more profound insights into our crypto lending comparison table, you can become a member and access it <a href="https://www.buymeacoffee.com/p2pempire/independent-crypto-lending-rating" target="_blank" rel="noopener noreferrer">here</a>.</p>
<p>While many Ethereum holders chase the highest rates, you should know that the offered rate is not the only factor to consider.</p>
<p>You might expose your Ethereum to significant risk if you deposit your Ethereum on a dishonest crypto lending platform. Explore our in-depth reviews to learn more about the known red flags on every <a href="https://p2pempire.com/en/crypto-lending" target="_blank" rel="noopener noreferrer">crypto lending platform</a>.</p>
<h2>Best Ethereum Interest Rates</h2>
<p>Here, you will find the best Ethereum lending platforms and their rates for the crypto savings accounts, sorted by the highest rate for up to 10 ETH.</p>
<table class="comparison4">
<tbody>
<tr>
<th>Ethereum Lending Platforms</th>
<th>APY on &gt; 1 ETH</th>
<th>APY on 5 ETH</th>
<th>APY on 10 ETH</th>
</tr>
<tr>
<td><a href="#youhodler">YouHodler</a></td>
<td>4%</td>
<td>4%</td>
<td>4%</td>
</tr>
<tr>
<td><a href="#haru">Haru Invest</a></td>
<td>5.2%</td>
<td>5.2%</td>
<td>5.2%</td>
</tr>
<tr>
<td><a href="#cryptocom">Crypto.com</a></td>
<td>0.2% - 3.2%</td>
<td>0.2% - 3.2%</td>
<td>0.2% - 3.2%</td>
</tr>
</tbody>
</table>
<p>If you see an APY range between two numbers, it means that to get the higher ETH APY, you have to stake the platform's utility token, which increases the volatility of your crypto assets.</p>
<p>Ethereum lending platforms like YouHodler or Haru Invest don't use any utility tokens, which makes the reward for your Ethereum more transparent.</p>
<h2 id="youhodler">Earn Ethereum On YouHodler</h2>
<table class="content">
<tbody>
<tr>
<th colspan="2">YouHodler Ethereum Rates</th>
</tr>
<tr>
<td>Interest on ETH (APY)</td>
<td>4%</td>
</tr>
<tr>
<td>Tiers</td>
<td>No</td>
</tr>
<tr>
<td>Staking</td>
<td>No</td>
</tr>
<tr>
<td>Token:</td>
<td>No</td>
</tr>
<tr>
<td>Etherum Rate Updates</td>
<td>Not frequent</td>
</tr>
</tbody>
</table>
<p>YouHodler is the leading legitimate European crypto lending platform that offers 4% APY on your Ethereum deposits.</p>
<p>If you are looking for a reliable place to earn interest on your Ethereum, YouHodler should be on your list. The platform supports ETH deposits via Ethereum Mainnet (aka Layer 1).</p>
<p>You can therefore deposit your Ethereum directly to your wallet on YouHodler or use YouHodler's swap feature to exchange other crypto or FIAT in Ethereum and earn an attractive yield.</p>
<p>YouHodler's reward system is straightforward as there is no need to stake any crypto assets or use utility tokens. You have access to your Ethereum anytime, making YouHodler a true gem in the crypto lending space.</p>
<p>The interest on your ETH on YouHodler is paid out every Friday to your YouHodler account.</p>
<div class="pros">
<h3>Pros</h3>
<ul>
<li>Transparent &amp; safe platform</li>
<li>Easy to use</li>
<li>Competitive APY on ETH</li>
<li>Based in Switzerland and Cyprus</li>
</ul>
</div>
<div class="cons">
<h3>Cons</h3>
<ul>
<li>Not available for U.S. citizens</li>
<li>FIAT transactions are pricey</li>
</ul>
</div>
<p>Keen to earn interest on your Ethereum? Get our <a href="https://p2pempire.com/en/cashback-bonus/youhodler-referral-code" target="_blank" rel="noopener noreferrer">YouHodler promo code</a> to get a bonus!</p>
<button class="redirect external_link_button promo" value="youhodler">Sign Up</button>
<p style="text-align: center;"><em>Or read our in-depth </em><a href="https://p2pempire.com/en/review/youhodler" target="_blank" rel="noopener noreferrer"><em>YouHodler review</em></a></p>
<h2 id="haru">Earn Ethereum On Haru Invest</h2>
<table class="content">
<tbody>
<tr>
<th colspan="2">Haru Etherum Rates</th>
</tr>
<tr>
<td>Interest on ETH (APY)</td>
<td>5.2% - 21.5%</td>
</tr>
<tr>
<td>Tiers</td>
<td>No</td>
</tr>
<tr>
<td>Staking</td>
<td>Yes</td>
</tr>
<tr>
<td>Token:</td>
<td>No</td>
</tr>
<tr>
<td>Ethereum Rate Updates</td>
<td>Not very frequent</td>
</tr>
</tbody>
</table>
<p>Haru Invest is a South-Korean crypto trading platform that offers some of the highest rates on your Ethereum. Haru doesn't lend your crypto to others, as with YouHodler but instead trades it on your behalf to generate yield.</p>
<p>Haru offers three different reward systems based on your risk tolerance. If you want to access your Ethereum anytime, you can simply deposit your ETH on the Haru Wallet and earn 5.2% APY.</p>
<p>If you don't anticipate selling your ETH soon, you can also benefit from Haru's Earn Plus product by locking up your ETH from 15 to 365 days. The interest ranges from 5.9% to 13% APY.</p>
<p>13% APY on Ethereum is a desirable return, but Haru does have one more trick up its sleeves called Earn Explore - Beyond Staking.</p>
<p>This product targets a 21.5% APY on ETH if you lock your assets for at least three months. The ETH APY is a variable rate but historically ranges between 16% and 17% per year.</p>
<p>By activating the Earn Explore feature, Haru will use your assets to engage in algorithmic future-future market high-frequency trading.</p>
<p>While this is undoubtedly the riskiest strategy, it can also be the most rewarding.</p>
<p>Haru invest offers an attractive yield for any type of user, so if you are more risk averse, holding your ETH in Haru's wallet will earn you 5.2% per year. More opportunistic ETH holders will earn up to 21.5% per year.</p>
<div class="pros">
<h3>Pros</h3>
<ul>
<li>Automated crypto trading platform</li>
<li>High yield</li>
<li>Daily compound interest</li>
</ul>
</div>
<div class="cons">
<h3>Cons</h3>
<ul>
<li>Higher risk</li>
<li>Only a few supported coins</li>
</ul>
</div>
<p>You will have to lock up your Ethereum for several months to get a higher yield on Haru.</p>
<center>
<p><em>Read our in-depth </em><a href="https://p2pempire.com/en/review/haru-invest" target="_blank" rel="noopener noreferrer"><em>Haru Invest review</em></a></p>
</center>
<h2 id="yieldapp">Earn Ethereum on Yield App</h2>
<table class="content">
<tbody>
<tr>
<th colspan="2">Yield App Ethereum Rates</th>
</tr>
<tr>
<td>Interest on ETH (APY)</td>
<td>2% - 5%</td>
</tr>
<tr>
<td>Tiers</td>
<td>No</td>
</tr>
<tr>
<td>Staking</td>
<td>No</td>
</tr>
<tr>
<td>Token:</td>
<td>Yes</td>
</tr>
<tr>
<td>Ethereum Rate Updates</td>
<td>Frequent</td>
</tr>
</tbody>
</table>
<p>Yield App is an ETH lending platform that offers between 2% and 5% APY on ETH. To earn the higher rate on Ethereum, you will need to stake more than 20,000 YLD tokens, the platform's native utility token.</p>
<p>Exposing yourself to utility tokens significantly increases the volatility and risk of your crypto portfolio. If you are just starting with crypto or want to earn reasonable rates without all the hassle, Yield App might not be the best fit for you.</p>
<p>While Yield App pays out the interest every day and there is no lock-up period required, the platform engages in lending your assets on various DEFI protocols which aren't disclosed to the public. This increases the risk of losing your assets on Yield App as it's unclear how Yield App generates its returns.</p>
<div class="pros">
<h3>Pros</h3>
<ul>
<li>Easy to use</li>
<li>Licensed in Estonia but based in Thailand</li>
</ul>
</div>
<div class="cons">
<h3>Cons</h3>
<ul>
<li>Complex YLD token tier system</li>
<li>Rates change frequently</li>
<li>Undisclosed revenue-generating activities</li>
</ul>
</div>
<p>If you believe this is a good deal for you and anticipate that the value of the YLD token will go up, you can use our <a href="https://p2pempire.com/en/cashback-bonus/yield-app-referral-code" target="_blank" rel="noopener noreferrer">Yield App referral code</a> and get up to 1,000 YLD as a bonus.</p>
<button class="redirect external_link_button promo" value="yieldapp">Sign Up</button><center>
<p><em>Or read our in-depth </em><a href="https://p2pempire.com/en/review/yield-app" target="_blank" rel="noopener noreferrer"><em>Yield App review</em></a></p>
</center>
<h2>Is It Safe to Earn Free Ethereum?</h2>
<p>You always take on some risks when you lend your Ethereum on any crypto lending platform to generate yield.</p>
<p>Crypto lending is still a grey area; many crypto lenders have failed and locked billions of users' crypto assets.</p>
<p>While the featured platforms are still operating, the risk of using one over the other might vary.</p>
<p>The risk on every crypto lending platform depends on the following factors:</p>
<div class="tips-box">
<ol>
<li>The technological infrastructure used by the platform</li>
<li>The people who run the platform</li>
<li>The platform&rsquo;s business model</li>
</ol>
</div>
<p>As an outside cryptocurrency investor, you'll need to thoroughly examine every aspect of each Ethereum lending platform before depositing your ETH with one of the CeFi lenders.</p>
<p>It's practically tough to assess the platform's security without prior expertise in blockchain development when it comes to the technical side of things.</p>
<p>You also have to examine the terms and conditions and some of those services' features to understand what they offer.</p>
<p>You can also search for the management and learn more about their past experiences.</p>
<p>Are they vulnerable to political influence? Was a senior management member involved in fraudulent or money-laundering activities? You would be shocked at what we discovered about certain crypto-lending personalities.</p>
<p>Finally, analyzing the company's business model will take some time.</p>
<p>Every platform that offers free Ethereum uses different &ldquo;revenue-generating activities&rdquo;.</p>
<p>Some platforms may take considerably greater risks by trading, rehypothecating your assets, speculating, and engage market manipulation.</p>
<p>Other platforms may offer overcollateralized loans at a lower risk.</p>
<p>However, be realistic that merely lending out a lot of assets will not make it easy to deploy them.</p>
<p>The demand for crypto loans is nowhere near as high as crypto interest accounts. Therefore, you should do your research to minimize the chance of investing in a Ponzi scheme.</p>
<p>You may consult our in-depth evaluations or our independent crypto lending comparison table to learn what platforms provide and which red flags you should look for. This table is only accessible to members of our project.</p>
<p>Lending your Ethereum to earn more Ethereum is certainly not risk-free. Are you interested in learning about where to get the<a href="https://p2pempire.com/en/bitcoin-lending"> best BTC lending rates</a>? Check out our guide about the <a href="https://p2pempire.com/en/crypto-interest-account">best crypto interest accounts</a>.</p>
<div class="alert-box">
<h3>Do Your Own Research</h3>
<p>Using any platform that promises a high yield on your crypto deposits comes with certain risks. We highly encourage you to do your own research about the platform's business model and its risk management before depositing funds. Remember that you are losing access to your private keys by transferring your crypto from your <a href="https://p2pempire.com/en/best-ethereum-wallet">Ethereum wallet</a>.</p>
</div>
<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 the majority of your assets on of the <a href="https://p2pempire.com/en/best-crypto-wallet">best crypto hardware wallets</a> such as 🔒 <button class="redirect externaltext" value="ledgerstax">Ledger Stax</button>.</p>
</div>
</article>

Best Crypto Lending Platforms 2024

Best USDC Interest Rates

Ready to earn interest on Ethereum ⏩ Find out how to get free Ethereum⭐ Compare the best Ethereum interest rates ✴️ Compare the best ETH APY on P2P Empire.

Earn Interest On Ethereum 2024 🎖️ Highest ETH APY Rates

Earn the highest APY on ETH

Earn Interest On Ethereum

Table of contents

Top Platforms

Latest Guides

About us

P2P LENDING

MEDIA

About us

P2P LENDING