Crypto Interest Rates

Check here to find the latest rates for interest-earning accounts and loans. Please note that crypto interest rates, withdrawal limits, and fees are subject to change.

BlockFi Interest Account (BIA)

BlockFi Interest Account clients can earn interest in crypto. Paid out at the beginning of every month, the crypto interest earned by account holders compounds, increasing the Annual Percentage Yield (APY)* for our clients. BlockFi uses a tiered Interest Structure. Click here to learn how our tiers work. Rates are effective August 1, 2022.

BlockFi Interest Accounts (BIAs) have not been registered under the Securities Act of 1933 and may not be offered or sold in the United States, to U.S. persons, for the account or benefit of a U.S. person or in any jurisdiction in which such offer would be prohibited.

Currency	Amount	APY*
BTC (Tier 1)	0 - 0.1 BTC	3.50%
BTC (Tier 2)	0.1 - 0.35 BTC	2.00%
BTC (Tier 3)	>0.35 BTC	2.00%
ETH (Tier 1)	0 - 1.5 ETH	3.50%
ETH (Tier 2)	1.5 - 5 ETH	2.00%
ETH (Tier 3)	>5 ETH	2.00%
DOGE	No Limit	2.00%
LTC (Tier 1)	0 - 20 LTC	2.00%
LTC (Tier 2)	20 - 100 LTC	1.00%
LTC (Tier 3)	>100 LTC	0.10%
UNI (Tier 1)	0 - 100 UNI	1.00%
UNI (Tier 2)	100 - 500 UNI	0.20%
UNI (Tier 3)	>500 UNI	0.10%
LINK (Tier 1)	0 - 100 LINK	1.00%
LINK (Tier 2)	100 - 500 LINK	0.20%
LINK (Tier 3)	>500 LINK	0.10%
ALGO	No Limit	2.50%
BCH	No Limit	3.00%
BAT (Tier 1)	0 - 4000 BAT	1.00%
BAT (Tier 2)	4000 - 20000 BAT	0.20%
BAT (Tier 3)	>20000 BAT	0.10%
PAXG (Tier 1)	0 - 1.5 PAXG	1.00%
PAXG (Tier 2)	1.5 - 5 PAXG	0.20%
PAXG (Tier 3)	>5 PAXG	0.10%
USDC (Tier 1)	0 - 20000 USDC	7.50%
USDC (Tier 2)	20000 - 2000000 USDC	6.00%
USDC (Tier 3)	>2000000 USDC	6.00%
BUSD (Tier 1)	0 - 20000 BUSD	7.50%
BUSD (Tier 2)	20000 - 2000000 BUSD	6.00%
BUSD (Tier 3)	>2000000 BUSD	6.00%
DAI (Tier 1)	0 - 20000 DAI	6.00%
DAI (Tier 2)	20000 - 2000000 DAI	4.00%
DAI (Tier 3)	>2000000 DAI	3.50%
PAX (Tier 1)	0 - 20000 PAX	7.50%
PAX (Tier 2)	20000 - 2000000 PAX	6.00%
PAX (Tier 3)	>2000000 PAX	6.00%
GUSD (Tier 1)	0 - 20000 GUSD	7.50%
GUSD (Tier 2)	20000 - 2000000 GUSD	6.00%
GUSD (Tier 3)	>2000000 GUSD	6.00%

* APYs reflect effective yield based on monthly compounding. Actual yield will vary based on account activity and compliance with BlockFi’s terms and conditions. Rates are largely dictated by market conditions, which are a key factor in a company’s ability to provide its clients yield on their crypto assets. For more information, please see our Terms of Service. Rates are subject to change. BlockFi will communicate any rate changes prior to these changes taking effect. Digital currency is not legal tender, is not backed by the government, and the BlockFi Interest Account (BIA) is not a bank account nor a brokerage account, and is not subject to FDIC or SIPC protections.

As of February 14, 2022, BlockFi Interest Accounts (BIAs) are no longer available to new clients who are “U.S. persons” or persons located in the United States and existing U.S. clients will be unable to transfer new assets to their BIAs.

Terms Apply

Crypto-Backed Loan Rates

The amount of USD you can borrow depends on the amount of collateral you post against the loan, and which loan-to-value (LTV) ratio you secure. LTV is determined by the amount of the loan divided by the value of the collateral for that loan.

LTV	Interest Rate	Origination Fee
50%	9.75	2%
35%	7.9%	2%
20%	4.5%	2%

Please Note: This information applies only to clients in the United States. Different terms apply to international clients. Additionally, 20% LTV is only eligible for BTC-backed loans of up to $20k USD. Certain restrictions may apply.

*Disclaimer: Rates for BlockFi products are subject to change. Digital currency is not legal tender, is not backed by the government, and BIA accounts are not subject to FDIC or SIPC protections.

Security is our top priority. Please see our Vulnerability Disclosure Form and Bug Bounty Program.

As of February 14, 2022, the BlockFi Interest Account (BIA) is no longer available to new clients who are US persons or persons located in the US and existing US clients with BIA accounts are unable to transfer new assets to their BIAs. Learn More.

BlockFi Lending LLC NMLS ID#1737520 | NMLS Consumer Access

BlockFi Trading LLC NMLS ID#1873137 | NMLS Consumer Access

Digital currency is not legal tender, is not backed by the government, and crypto accounts held with BlockFi are not subject to FDIC or SIPC protections. Digital currency values are not static and fluctuate due to market changes. Not all products and services are available in all geographic areas and are subject to applicable terms and conditions. Eligibility for particular products and services is subject to final determination by BlockFi. Rates for BlockFi products are subject to change.

BlockFi Rewards Credit Card: For more information, please see BlockFi’s Terms of Service. BlockFi is not a Bank. Cards are issued by Evolve Bank & Trust, Member FDIC, pursuant to a license from Visa® USA Inc. Rewards are not offered by Evolve Bank & Trust and are instead offered and managed by BlockFi.

BlockFi International Ltd. holds a Class F digital assets business license under the Digital Assets Business Act, 2018 (as amended) and is licensed by the Bermuda Monetary Authority to conduct the following digital assets business activities: (i) issuing, selling or redeeming virtual coins, tokens or any other form of digital assets (ii) operating as a digital asset exchange (iii) providing custodial wallet services (iv) operating as a digital asset derivative exchange provider and (v) operating as a digital assets services vendor.

See blockfi.com/terms for more information.

BlockFi Lending LLC NMLS ID#1737520 | NMLS Consumer Access

BlockFi Trading LLC NMLS ID#1873137 | NMLS Consumer Access

See blockfi.com/terms for more information.