Crypto “savings accounts” can generate yield on your assets while you keep your portfolio largely intact. In 2026, most yield products fall into two buckets: Lending-style savings: platforms lend assets (or use them in structured lending) and share interest with depositors. Staking-style savings: platforms stake proof-of-stake tokens and pass through staking rewards (this does not apply to Bitcoin). The right choice depends less on headline APY and more on liquidity, transparency, payout frequency, and how the platform explains yield generation and risk controls. This guide compares four mainstream options with Clapp, Ledn, Nexo, and Revolut. 1) Clapp Flexible Savings (best for predictable yield and instant access) Clapp Flexible Savings is designed for users who want passive income without trading, staking, or complex DeFi workflows. The core product logic is simple: Daily interest crediting Instant access with no lock-ups A fixed APY shown directly in the app (no “up to” tiers) Low minimum deposit (from 10 EUR / USDC / USDT) EUR deposits via SEPA Instant Clapp states 5.2% APY on stablecoins and EUR If your goal is to “make your crypto work,” most holders do it by allocating a portion of their portfolio to stablecoins/EUR for yield, while keeping BTC exposure separate. This avoids forcing Bitcoin into products that may have lower yields or more restrictive terms. 2) Ledn Growth Accounts (best for stablecoin yield with a lending specialist) Ledn focuses heavily on a savings experience that separates interest-earning Growth accounts from non-interest Transaction accounts. Key points that matter for savers: Published, tiered stablecoin APYs shown on Ledn’s savings pages (USDC/USDT examples listed by Ledn). Ledn explains that interest for USDC/USDT Growth Accounts is generated by lending to its bitcoin-backed retail loan book, described as overcollateralized. Ledn describes interest as earned daily and paid monthly. When Ledn makes sense:You want stablecoin yield from a platform that spends most of its product effort on lending mechanics and account structure (rather than being a full exchange). 3) Nexo (best for users willing to manage tiers and lock-ups) Nexo provides two primary savings modes: Flexible Savings: earn interest with daily payouts and access funds anytime Fixed-term Savings: higher “up to” rates in exchange for locking funds for 1, 3, 6, or 12 months Nexo’s materials emphasize: Daily interest payouts (Flexible Savings) Rates depend on asset and user configuration and are often described as “up to” rates, which implies variability based on tiers/settings. When Nexo makes sense:You are comfortable optimizing settings and accepting that the best rates may require conditions (tiers, lock-ups, payout preferences). 4) Revolut (best for simple staking) Revolut’s yield feature is primarily staking, which is fundamentally different from lending-based savings: Rewards depend on the blockchain network and participation rates. Revolut states it takes a commission and that the APY shown in-app is net of Revolut’s commission. Revolut also states staking rewards are not guaranteed. Important limitation:This is not a way to earn interest on Bitcoin directly. It applies to proof-of-stake assets (e.g., ETH, SOL, DOT), not BTC. How to choose the right crypto savings option in 2026 Use these decision criteria in order: 1) Liquidity first (when do you need the money?) If you need anytime access, avoid products that require fixed terms or slow unstaking. Clapp offers a crypto savings account with instant access ; Nexo has flexible but also fixed-term products; Revolut access depends on unstaking rules. 2) Rate transparency (can you predict your return?) Prefer clearly displayed rates without tiers if you want predictable planning. If you accept complexity, tiered “up to” structures can be competitive but require active management. 3) Yield source (lending vs staking) BTC: typically earns via lending-style products (when offered). Stablecoins: often earn higher yields than BTC across most platforms. Revolut: staking only—use it when you specifically want PoS staking exposure. 4) Operational and platform risk No yield is risk-free. Prioritize platforms that explain: how yield is generated, what happens in stress scenarios, and how custody and counterparties are handled. Ledn is unusually explicit about how USDC/USDT Growth interest is generated. Nexo and Revolut also provide clear product help-center explanations for payout mechanics and staking commission. How to start earning interest on crypto Decide the asset: BTC vs stablecoins vs EUR (your “savings” asset should match your risk tolerance). Choose the product type: flexible savings (liquidity) vs fixed-term (higher yield) vs staking (PoS only). Start small: deposit a test amount and verify payout timing and withdrawal speed. Track net return: focus on net APY after commissions, tiers, and lock-up effects. Diversify platform exposure: avoid concentrating all savings in a single provider. FAQ Can you earn interest on Bitcoin in 2026? Yes, on some lending-style platforms that support BTC yield. Returns are often lower than stablecoin yields, and terms vary by platform and jurisdiction. Are crypto savings accounts the same as bank savings accounts? No. They do not have the same protections and can involve platform, custody, counterparty, and market risks. Treat them as investment products. Why are stablecoin yields usually higher than BTC yields? Demand for borrowing stablecoins (trading, settlements, credit products) often supports higher rates than BTC lending markets. Disclaimer: This article is provided for informational purposes only. It is not offered or intended to be used as legal, tax, investment, financial, or other advice.
