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 July 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 - 0.10 BTC | 3.50% |
| BTC (Tier 2) | 0.10 - 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 - 4,000 BAT | 1.00% |
| BAT (Tier 2) | > 4,000 - 20,000 BAT | 0.20% |
| BAT (Tier 3) | > 20,000 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 - 20,000 USDC | 7.50% |
| USDC (Tier 2) | 20,000 - 2,000,000 USDC | 6.00% |
| USDC (Tier 3) | > 2,000,000 USDC | 6.00% |
| BUSD (Tier 1) | 0 - 20,000 BUSD | 7.50% |
| BUSD (Tier 2) | 20,000 - 2,000,000 BUSD | 6.00% |
| BUSD (Tier 3) | > 2,000,000 BUSD | 6.00% |
| DAI (Tier 1) | 0 - 20,000 DAI | 6.00% |
| DAI (Tier 2) | 20,000 - 2,000,000 DAI | 4.00% |
| DAI (Tier 3) | > 2,000,000 DAI | 3.50% |
| PAX (Tier 1) | 0 - 20,000 PAX | 7.50% |
| PAX (Tier 2) | 20,000 - 2,000,000 PAX | 6.00% |
| PAX (Tier 3) | > 2,000,000 PAX | 6.00% |
| GUSD (Tier 1) | 0 - 20,000 GUSD | 7.50% |
| GUSD (Tier 2) | 20,000 - 2,000,000 GUSD | 6.00% |
| GUSD (Tier 3) | > 2,000,000 GUSD | 6.00% |
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% |
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.
2022 © All Rights Reserved.
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.
2022 © All Rights Reserved.