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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 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 January 1, 2022

CurrencyAmountAPY*
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 - 5 ETH1.5%
ETH (Tier 3)> 5 ETH0.25%
LTC (Tier 1)0 - 20 LTC3.50%
LTC (Tier 2)> 20 - 100 LTC1%
LTC (Tier 3)> 100 LTC0.1%
LINK (Tier 1)0 - 100 LINK2.50%
LINK (Tier 2)> 100 - 500 LINK0.20%
LINK (Tier 3)> 500 LINK0.1%
USDC (Tier 1)0 - 40,000 USDC9%
USDC (Tier 2)> 40,000 USDC8%
GUSD (Tier 1)0 - 40,000 GUSD9%
GUSD (Tier 2)> 40,000 GUSD8%
PAX (Tier 1)0 - 40,000 PAX9%
PAX (Tier 2)> 40,000 PAX8%
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 USDT9.5%
USDT (Tier 2)> 40,000 USDT8.5%
BUSD (Tier 1)0 - 40,000 BUSD9%
BUSD (Tier 2)> 40,000 BUSD8%
DAI (Tier 1)0 - 40,000 DAI9%
DAI (Tier 2)> 40,000 DAI8%
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 BAT1.0%
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.

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

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.

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.

*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.