The Top 5 Crypto Highest APY Platforms to Bank your account with in 2022

By rexngum | CryptoGreed | 31 Mar 2022

Hodlin crypto is the best strategy to hold on to your digital assets without panic nomatter swings of the dollar amount for given asset. Hodlin an asset like bitcoin given the highly anticipated price shows you're ready to benefit from the fruits of your labor. This is because the technology is designed on the bases; Numbers go Up (NgU) But given that humans are willing to have more of something or an asset they value, has created a lending and borrowing market. This makes sense that, an investor will just borrow a given dollar amount against Cryptos like bitcoin or ethereum. Michael J Saylor is applying the strategy.

Don't like reading, the platforms are listed below. 

A plethora of platforms are clamoring to act like banks for your valuable assets. These centralized entities yield interest selected digital coins and tokens. This comes with a considerable amount of risk which you are the one to bear without having to rely on a third-party for advice. Investing doesn't require an advice and an investor is always obliged for a thorough due diligence when it comes to lending out an asset to a third-parties. This disclaimer applies to the title of this article, no a click bait 😂 

I have been scraping the web and ads will pop up; "earn up to 20% APY on your idle crypto) just for sitting on their website. Let me explore the digital world, I then ape in that's digital banking say so. If I can trust my traditional bank who capitalizes on my money (8-10%) and cherry scamming me with less than 0.5% why then should I stirred away from the digital bank with flexible terms. Given the fact we are going digital.

So I walked through on these platforms given their compliance: KYC Verification, we do not work with the following countries (Sanction Laws), your country is restricted due to Regulations and blablabla. But I decided to dabble in, at least it's crypto. 

Crypto Interest Bearing Account is a great way to earn on crypto holdings effortlessly with law compliant platforms, this is not about Blockfi, Nexo or Celcius: they climbed up the ladder due to hip marketing IMO. My list will consist of platforms maybe you've come across or anew to one either.


Lendingblock is a digital asset managing platform with competitive rates. The platform lends out assets to institutions and strive to be the leader in the industry. Lendblock locks assets for a period of 30 days and pays interest on the first day of the month. Lendingblock market's itself as:

You're spending? We're lending!

"Borrow stablecoins instantly using your crypto investment as collateral, without sacrificing the growth in your digital asset portfolio".069d3b20e151a17ca77d71e1025a0e5ad9e730852dbdd9319c43cc81863707ff.jpg

  • Availability: Worldwide
  • Network Token: LND
  • Payouts: First Day of the Month
  • Deposit Lock-up Terms: 1, 3, and 6 months 
  • Withdrawal Fee: Yes


-Clean UI and, one tap platform 



-Lock-up required for a minimum of one month

-Boost rates with a 6 months lock-up and platform Token (LND) 


This asset management platform offers a diverse range of asset for investors. Pokket offers yield on a flexible and fixed term account. 


Simply HOLD and Earn

No need to worry about the constant changes in cryptocurrency prices. With the POKKET Straight Lending product, you can earn interest on your own terms with your favorite assets like BTC, ETH, BNB, SOL, AVAX, USDT and USDC. Choose whether to gain interest on your assets over a fixed 14, 30, 90-day term or fully flexible basis, and get paid in the crypto you’re HOLDing.5f536523b1ad3d62bf706c76f7969834fdcc2c9c95e6fec0a004b667d8a42d51.jpg

  • Availability: Worldwide
  • Compounding Interest: Yes
  • Payout: Daily
  • Deposit Lock-up Terms: 14, 30, 90 days
  • Withdrawal: Yes (Network Fee)


Good Rates for lock-up periods 

Rewards in coin or token of choice


Funds locked at least for 14 days 

Minimum Deposit required 


Youhodler is one of the best crypto asset rewards platform with coins and tokens of your choice. They have the earn crypto, crypto loans, exchange and Multi Hodl sections offering investors with diverse opportunities. Youhodler treats cash as trash by saying :

Keep Crypto. Use Cash.

Get a cryptocurrency loan backed by the TOP 40 coins with up to 90% loan to value ratio (LTV). Earn crypto with 12.3% APR + compounding interest. Store, exchange and pay anytime.


  • Availability: Worldwide
  • Compoundin Interest: Yes
  • Payouts: Weekly
  • Deposit Lock-up Terms: None
  • Withdrawal Fee: Yes


Good Interest rates

Support a wide range of coins 


No sign up bonus

Restricted in the US


Hodlnaut can accomplish the needs of the average investor with it suite of products bringing in a weekly passive income. Hodlnaut is widely known on Publish0x and you can find a lot of information on the platform.2a0b88b45665157500dc08b5fde80777914eb95a1f68f3040935b5b23e170054.jpg

  • Availability: Worldwide
  • Compounding Interest: Yes
  • PayoutsMonday
  • Deposit Lock-up TermNone
  • Withdrawal Fee: Yes


Fixed Deposit bonus (1000)

Flexible Earning

Swap Function 



Tiered Interest rates

Fixed Term Loan

                  1-MIDAS is incomparable with her 20% apy on stablecoins and 13% on bitcoin. Midas leverages on Defi and its built on fantom. She generates highest yields for BTC, ETH, USDT, and Defi assets. This is a crypto community focused on building wealth through passive income on varry assets. Midas generate yield through hedge strategies like lending and borrowing, hedge token farming, defii yield vault and concentrated liquidity provider on uniswap v3. The platform is mobile optimized.ffab754aa9f967a81d0e2aab3a33c8e293425ac386c5afbeea68d9b7b4f9bb53.jpg

Availability: Worldwide

Compounding Interest: Yes

Payout: Daily

Deposit Lock up Term: None


Network TokenMidas 


No minimum/maximum deposit amount

Network Token Boost 🔥🔥🔥

No lock-up 

No tiered Rates 

Impressive Rate

Defi Asset 


No sign up bonus or promotions

Fluctuating Defi rates

You are good to go with all these platforms, it's all about what you want. They all design to suite the needs of investors, this truly digital forms of banking with so many competitive rates. These platforms with their swap functions fascinate rebalancing with some clicks. These are basically different in terms of products they are offering.

You should not that the criteria is based mostly on high yields in stablecoins with 20% being the top.

I avoided differentiating in terms of KYC because they are mostly centralized platforms and law abiding, now or in the future.

Are you using one of these platforms, what is your experience or you are planning to use. I would like to hear your thoughts.

If this sounds like what you will want to read next time then don't hesitate to follow and hit the like button 

Here are links to the above platforms:

Use the compound interest calculator below to know the amount you can earn within a given time frame.


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I am a Cryptocurrency enthusiast, a Blockchain believer. Visionary on how Digital Assets will impact the lives of the unbanked and underbanked. I am not an investment genius but a guy who believes in the fundamentals of Bitcoin and the Blockchain


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