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Cryptocurrency lending is a kind of trade where you earn a specific interest rate by lending your crypto. There are many crypto lending platforms that facilitate this kind of lending trade facility. A wide array of cryptos including Bitcoin, Ether, or Stable Coins offer the best returns. Though the lending interest rates vary, they are often very competitive in nature. In fact, 12% Annual Percentage Yield (APY) is also not uncommon. These crypto lending platforms usually loan the assets with collateral along with cryptocurrencies. That’s why they are also called crypto-backed loans.

Lending crypto

Cryptocurrency Lending Liquidity Pools


In comparison to lending fiat money, a big difference with crypto lending is that it provides users with an option other than P2P matching. There are many users who simply want to earn the interest rate, ranging from 4-to-9%. They don’t bother with the P2P lending process that involves matching for scans as well as funding agreements, which then could be delayed.


The entire p2p lending process can be bypassed if you want to. Your cryptocurrency can be invested fully into a liquidity pool, which lends your money to a borrower (who puts up the needed collateral) at a fixed rate. Your idle money starts working and earning money right away in an easy and fast manner. You don’t have to see whether the loan you like and invest in is getting fully funded.


One of the new generation DeFi (decentralized finance) platforms is called Compound Finance. It lends only through liquidity pools. There is an estimated US$3.86 billion in collateral locked up for borrowers. Don’t think that Compound Finance is the largest DeFi crypto lender. All the largest DeFi platforms have over US$32 billion of collateral on their platforms. There are many other similar DeFi lending platforms including Twino and Bondora.


If you are thinking of increasing your cryptocurrency assets through lending, the leading crypto lending platforms are given and discussed here.


Top 3 Best Cryptocurrency Lending Platforms


  1. Hodlnaut
  2. YouHodler
  3. BlockFi


Now, let’s take a closer look at these leading most crypto lending platforms.


  • Hodlnaut

This platform was started by two entrepreneurs of Singapore in March 2019. They were self-proclaimed Bitcoin maximalists. Hodlnaut platform provides individual investors with financial services that offer users favorable interest in cryptos by lending them to those margin traders who would otherwise struggle to accept cryptocurrency loans.


  • Bitcoin’s (ETH) interest rate is 6% with the annual rate being 6.2% effectively.
  • Ethereum’s (ETH) interest rate is 6.5% with the annual rate being 6.7% effectively.
  • DAI, USDC, and USDT’s interest rate is 8% with the annual rate being 8.3% effectively.


No minimum deposits or lock-in periods are there. A user can withdraw his/her crypto funds anytime. Hodlnaut is one of the most happening emerging players in the crypto lending industry that aspires to become an industry leader.


  • YouHodler

This is a European Union company, based in Switzerland, that specializes in offering cryptocurrency-backed lending with fiat loan options. Crypto loans provided by YouHodler include USD, EUR, CHF, GBP, EUR, and stablecoin loans along with BTC, ETH, XRP, and other major cryptocurrency collaterals.


Suppose, you don’t have a certain cryptocurrency that you wish to deposit and earn interest from. In that case, you can convert another crypto you have to the one that you wish to deposit or fiat currency. The interest rates for stablecoins on YouHodlers are 12% annually and 4.8% for Bitcoin (BTC). This platform supports 15 cryptocurrencies, 7 stable coins, and 4 fiat currencies.


  • BlockFi

BlockFi is one of the most trusted financial services providers in the crypto market. It was founded in the year 2017. It provides market-leading rates with institutional-quality benefits. You can earn up to 8.6% interest rate on a wide array of cryptos including BTC, ETH, LTC, USDC, GUSD, and PAX.


You can buy stablecoins with your preferred fiat currency so that you can deposit the coin in an interest account and start earning interest. Interest Payment Flex is an exciting BlockFi feature, allowing users to choose the currency of the interest payments and diversify their portfolio without having to buy additional cryptocurrencies.


Choose Cryptocurrency Copy-Trading Bots to Increase ROI


Cryptocurrency Trading Robots (such as NapBots.com) automatically scan the market in real-time and trades for you. They run 24×7, which means that you can keep earning your passive income even when you are sleeping. This gives you an edge over other investors as it enables the bot to book profits on your behalf when other investors are sleeping.


Smart crypto investors always remain prepared to get the best of a big market move. They don’t wake up suddenly. To remain alert round the clock, they use cryptocurrency trading bots so that they don’t miss any big market movement.


NapBots.com is a Trading Bot, cloud-based platform, on which you can connect to major exchanges such as Binance, Bitmex, Bitfinex, OKEX, Kraken, Bitstamp, and Bitpanda.


The best thing about the Napbots trading software is that you don’t have to monitor charts and candles to predict your next move. Any novice trader with zero skills can also start trading like a pro and earn money with this unique trading tool. Let Napbots take full control over your trades in just a few clicks. Now, sit back and enjoy earning money.


You may also check “Napbots Review – Simple Way To Increase Your Crypto Returns” before taking the plunge.


What’s so special about NapBots?


NapBots crypto trading software is special because it comes with:

  1. A unique trading algorithm that processes market data for you
  2. A unique crypto trading bot library so that you can create your own mix of trading strategies
  3. Autopilot mode that enables you to automate trading 24×7
  4. An easy-to-use interface so that you can copy the proven strategies of NapBots to make successful trades and make money


How does NapBots help you to Make Money?


With NapBots, you can enjoy financial independence by trading cryptocurrencies on autopilot mode and earn money automatically. To make it work on your behalf, you have to do the following:


Step #1: Connect to one of the available trust exchanges.

Step #2: Select from the unique list of performing Bots of NapBots

Step #3: Choose a plan that suits your investment style


Once you have completed these three steps, NapBots is ready to trade cryptos and earn money for you. Happy Trading!


Why Choose NapBots?


  • NapBots offers complete trading automation solutions through the use of its own tested trading strategies; offering quantitative trading strategies previously reserved for hedge funds to the public.


  • The setup and installation process are easy. So, the non-experts can also use it. The simple and special approach of NapBots helps it provide you with excellent ROI.


  • The team of professionals behind NapBots has extensive experience in the financial market. They have put their years of experience in place so that you can easily automate the management of your funds with no technical skills. This service can run 24/7 and work as your passive source of revenue even when you sleep.


Our pricing is simple and there are no setup fees. 7 days free trial is also available.


Are You Ready To Start Automating Your Passive Income Now?


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