BlockFi Interest Account (BIA) Rates

Interest Rates

Check here to find the latest rates for interest-earning accounts and loans.

Please note that interest rates, withdrawal limits, and fees are subject to change.

BlockFi Interest Account (BIA)

Annual Percentage Yield (APY)*

BlockFi Interest Account clients can deposit their crypto and earn interest.

Paid out at the beginning of every month, the interest earned by account holders compounds, increasing the annual yield for our clients.

Currency	Amount **	APY
BTC (Tier 1)	0 - 2.5	6%
BTC (Tier 2)	> 2.5	3.0%
ETH	> 0	5.25%
LTC	> 0	5.0%
USDC	> 0	8.6%
GUSD	> 0	8.6%
PAX	> 0	8.6%
PAXG	> 0	5%
USDT	> 0	9.3%

* 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 recent post on how the market drives crypto lending and 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.

**Although there is no minimum balance required to earn interest, accounts are still subject to Gemini’s withdrawal minimums: 0.003 BTC and 0.056 ETH. Withdrawals for balances smaller than these amounts may take up to 30 days to process.

***BlockFi Interest Accounts are available in most countries worldwide and all U.S. states other than NY

Account Withdrawals

You can withdraw your funds at any time. We currently offer one free crypto withdrawal and one free stablecoin withdrawal per calendar month. Any further withdrawals may be assessed a fee as listed below.

Currency	Withdrawal Limit	Fees***
BTC	100 per 7-day period	0.0025 BTC
ETH	5,000 per 7-day period	0.0015 ETH
LTC	10,000 per 7-day period	0.0025 LTC
Stablecoins	1,000,000 per 7-day period	$0.25 USD
PAXG	500 per 7 day period	0.0025 PAXG

***All BIA clients are entitled to one free crypto withdrawal per calendar month and one free stablecoin withdrawal per month. Each free withdrawal can only be applied to one currency each month. For each subsequent withdrawal request within that month, applicable withdrawal fees will be applied.

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. Promotional terms can be read here.

*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.

BlockFi Lending LLC NMLS ID#1737520 | NMLS Consumer Access
BlockFi Trading LLC NMLS ID#1873137 | NMLS Consumer Access

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.

BlockFi Lending LLC NMLS ID#1737520 | NMLS Consumer Access
BlockFi Trading LLC NMLS ID#1873737 | NMLS Consumer Access