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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)

BlockFi Interest Account clients can add their crypto and 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 Oct. 1, 2021

CurrencyAmount **APY
BTC (Tier 1)0 - 0.10 BTC4.5%
BTC (Tier 2)0.10 - 0.35 BTC1.0%
BTC (Tier 3)> 0.35 BTC0.1%
ETH (Tier 1)0 - 1.5 ETH5%
ETH (Tier 2)1.5 - 50 ETH1.5%
ETH (Tier 3)> 50 ETH0.25%
LTC (Tier 1)0 - 20 LTC4.75%
LTC (Tier 2)> 20 - 100 LTC1%
LTC (Tier 3)> 100 LTC0.1%
LINK (Tier 1)0 - 100 LINK3.5%
LINK (Tier 2)100 - 500 LINK0.5%
LINK (Tier 3)> 500 LINK0.1%
USDC (Tier 1)0 - 40,000 USDC8.25%
USDC (Tier 2)> 40,000 USDC7%
GUSD (Tier 1)0 - 40,000 GUSD8.25%
GUSD (Tier 2)> 40,000 GUSD7%
PAX (Tier 1)0 - 40,000 PAX8.25%
PAX (Tier 2)> 40,000 PAX7%
PAXG (Tier 1)0 - 1.5 PAXG3.25%
PAXG (Tier 2)1.5 - 5 PAXG0.2%
PAXG (Tier 3)> 5 PAXG0.1%
USDT (Tier 1)0 - 40,000 USDT8.25%
USDT (Tier 2)> 40,000 USDT7%
BUSD (Tier 1)0 - 40,000 BUSD8.25%
BUSD (Tier 2)> 40,000 BUSD7%
DAI (Tier 1)0 - 40,000 DAI8.25%
DAI (Tier 2)> 40,000 DAI7%
UNI (Tier 1)0 - 100 3.25%
UNI (Tier 2)100 - 500 UNI0.2%
UNI (Tier 3)> 500 UNI0.1%
BAT (Tier 1)0 - 4,000 BAT3.25%
BAT (Tier 2)4,000 - 20,000 BAT0.2%
BAT (Tier 3)> 20,000 BAT0.1%

* 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.

**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

****Terms Apply

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.

CurrencyWithdrawal LimitFees***
BTC100 BTC per 7-day period0.00075 BTC
ETH5,000 ETH per 7-day period0.02 ETH
LINK65,000 LINK per 7-day period0.95 LINK
LTC10,000 LTC per 7-day period0.0025 LTC
Stablecoins1,000,000 per 7-day period$10.00 USD
PAXG500 PAXG per 7 day period0.015 PAXG
UNI5,500 UNI per 7 day period1 UNI
BAT2,000,000 BAT per 7 day period35 BAT

***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.

LTVInterest RateOrigination 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.

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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.
See BlockFi.com/terms for more information.
2021 © All Rights Reserved.
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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.
See BlockFi.com/terms for more information.
2021 © All Rights Reserved.