Best Brokers For Crypto Lending 2026
Discover our top brokers for crypto lending, where investors can earn passive income by lending digital currencies, offering an alternative to traditional bank loans for borrowers.
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Crypto.com’s crypto lending service integrates directly with the decentralized Compound protocol, letting users earn yield based on supply-and-demand interest rates. Through the Earn feature, users can deposit and withdraw seamlessly without interacting with smart contracts or managing cTokens manually.
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When testing Coinbase’s crypto lending, we prioritized safety and compliance over high yields. Rates were about 4–6% on major assets, with fully collateralized loans and instant liquidity. The key aspect was regulation — each transaction operated under strict U.S. oversight, supported by Coinbase’s established security standards.
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While testing OKX's crypto lending feature, its flexibility was notable. Rates varied between 5–12% for major assets based on market demand, and collateral terms were clear and adjustable. Security was robust with proof-of-reserves verification and multi-layer wallet protection, inspiring confidence even in volatile lending periods.
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After careful review, Swissquote’s crypto lending impressed us with its professional approach. Rates ranged from 4–9% based on the coin, and all loans were fully collateralized under Swiss regulations. The security was notable: assets stayed within Swissquote’s custody, offering traditional banking protection along with the benefits of digital assets.
Top Brokers for Crypto Lending Comparison
| Broker |  |
USD Account |
Crypto Lending |
Proof of Reserves |
|---|---|---|---|---|
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✓ | ✓ | ✓ | |
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✓ | ✓ | ✗ | |
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✓ | ✓ | ✓ | |
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✓ | ✓ | ✗ | |
| Broker | |
USD Account |
Crypto Lending |
Proof of Reserves |
Broker Details Comparison
| Broker | Demo Account |
Minimum Deposit |
Minimum Trade |
Leverage |
Assets |
Platforms |
|---|---|---|---|---|---|---|
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✓ | Varies by payment method | $1 | ✗ | Crypto, Stocks, ETFs, Prediction Markets and Strike Options (US only) | Own |
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✗ | $0 | $2 | ✗ | Crypto | Coinbase, Advanced Trade, Wallet, NFT, TradingView |
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✓ | 10 USDT | Variable | ✗ | Spot, futures, perpetual swaps, options | AlgoTrader, Quantower |
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✓ | $1,000 | 0.01 Lots | 1:100 (Retail), 1:400 (Pro) | CFDs, Forex, Stocks, Indices, Bonds, Options, Futures, ETFs, Crypto (location dependent) | CFXD, MT4, MT5, AutoChartist, TradingCentral |
| Broker | Demo Account |
Minimum Deposit |
Minimum Trade |
Leverage |
Assets |
Platforms |
How Secure Are The Top Crypto Lending Platforms?
Lending crypto comes with risk—see how the top providers protect your assets and data:
| Broker | Trust Rating |
Guaranteed Stop Loss |
Negative Balance Protection |
Segregated Accounts |
|---|---|---|---|---|
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✗ | ✗ | ✓ | |
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✗ | ✗ | ✓ | |
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✗ | ✗ | ✗ | |
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✗ | ✓ | ✓ | |
| Broker | Trust Rating |
Guaranteed Stop Loss |
Negative Balance Protection |
Segregated Accounts |
Crypto Lending on the Move: Mobile-Friendly Platforms
Manage your lending portfolio on the go—see which crypto brokers excelled in our mobile app tests:
| Broker | Mobile Apps |
iOS Rating |
Android Rating |
Smart Watch App |
|---|---|---|---|---|
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iOS & Android | ✗ | ||
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iOS & Android | ✗ | ||
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Android & iOS | ✗ | ||
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iOS & Android | ✗ | ||
| Broker | Mobile Apps |
iOS Rating |
Android Rating |
Smart Watch App |
Are The Top Crypto Lending Platforms Good For Beginners?
New to lending? Here’s how top platforms make it simple and safe to start earning on your crypto:
| Broker | Demo Account |
Minimum Deposit |
Minimum Trade |
Education Rating |
Support Rating |
Fractional Shares |
Demo Competitions |
|---|---|---|---|---|---|---|---|
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✓ | Varies by payment method | $1 | ✗ | ✗ | ||
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✗ | $0 | $2 | ✗ | ✗ | ||
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✓ | 10 USDT | Variable | ✗ | ✗ | ||
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✓ | $1,000 | 0.01 Lots | ✓ | ✗ | ||
| Broker | Demo Account |
Minimum Deposit |
Minimum Trade |
Education Rating |
Support Rating |
Fractional Shares |
Demo Competitions |
Are The Top Crypto Lending Platforms Good For Pros?
Experienced users need strong yields, flexible terms, and deep tools—see which platforms deliver:
| Broker | Automated Trading |
VPS |
API |
AI |
Pro Account |
Leverage |
Low Latency |
Extended Hours |
|---|---|---|---|---|---|---|---|---|
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DCA Auto-Staking | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ |
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✗ | ✗ | ✓ | ✗ | ✗ | ✗ | ✗ | ✗ |
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✓ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ |
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Expert Advisors (EAs) on MetaTrader and FIX API solutions | ✗ | ✓ | ✓ | ✗ | 1:100 (Retail), 1:400 (Pro) | ✓ | ✗ |
| Broker | Automated Trading |
VPS |
API |
AI |
Pro Account |
Leverage |
Low Latency |
Extended Hours |
Accounts Comparison
Compare the trading accounts offered by Best Brokers For Crypto Lending 2026.
| Broker | Demo Account |
Interest on Cash |
Islamic Account |
Joint Account |
Managed Account |
PAMM |
MAM |
LAMM |
Pro Account |
|---|---|---|---|---|---|---|---|---|---|
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✓ | USD: 5% | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ |
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✗ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ |
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✓ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ |
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✓ | USD: 1.75%, GBP: 2%, EUR: 1.5%, CHF: 0.75% | ✓ | ✓ | ✗ | ✗ | ✓ | ✗ | ✗ |
| Broker | Demo Account |
Interest on Cash |
Islamic Account |
Joint Account |
Managed Account |
PAMM |
MAM |
LAMM |
Pro Account |
Detailed Ratings of the Top Crypto Lending Brokers
Check our expert ratings across key categories to find the best firm for your crypto lending needs:
| Broker | Trust |
Platforms |
Assets |
Mobile |
Fees |
Accounts |
Research |
Education |
Support |
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| Broker | Trust |
Platforms |
Assets |
Mobile |
Fees |
Accounts |
Research |
Education |
Support |
Fee and Cost Comparison
Compare the cost of trading with the Best Brokers For Crypto Lending 2026.
| Broker | Cost Rating |
Fixed Spreads |
Inactivity Fee |
CFD Stocks Spread |
EUR/USD Spread |
Crypto Spread |
|---|---|---|---|---|---|---|
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✗ | $5 | ✗ | ✗ | 0.075% (spot), 0.034% (derivatives) | |
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✗ | $0 | ✗ | ✗ | 0.5% - 1% (BTC) | |
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✗ | ✗ | ✗ | ✗ | Variable | |
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✗ | $0 | N/A | 1.3 | 71 BTC (Prime Account) | |
| Broker | Cost Rating |
Fixed Spreads |
Inactivity Fee |
CFD Stocks Spread |
EUR/USD Spread |
Crypto Spread |
Which Crypto Lending Providers Are The Most Popular?
Users often prefer crypto lending platforms with a large user base—here’s who’s leading the pack:
| Broker | Popularity |
|---|---|
| Crypto.com |
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| Coinbase |
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| OKX |
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Why Trade With Crypto.com?
Crypto.com is a snug fit for aspiring crypto traders who want to buy, sell and trade over 400 digital tokens. Its strike options and prediction markets spanning financial, economic, election, sport, and cultural events via its CFTC-regulated entity also make it a secure option for US traders interested in binary-style contracts on an intuitive app.
Pros
- The Crypto.com Exchange platform offers sophisticated bots, including Dollar Cost Averaging (DCA), Time-Weighted Average Price (TWAP), and Grid Trading bots. These tools allow traders to automate strategies, including leveraged perpetual trades, minimizing manual effort and slippage.
- Crypto.com uses a cold wallet solution that integrates multi-signature technology and geographic distribution to enhance security. This approach ensures robust protection of user assets with highly secure offline storage.
- The platform supports unified portfolio tracking across cryptocurrencies, stocks, ETFs, and more recently prediction markets, all within a single interface, simplifying asset management for multi-asset traders and providing consolidated insights.
Cons
- Withdrawal fees apply to crypto transfers and fiat withdrawals, and these can be significant for active traders making smaller transfers. The minimum withdrawal limits are also relatively high, which restricts flexibility for managing smaller portfolios or quick liquidity needs.
- The app's high bid-ask spreads on many coins can be costly for traders placing market orders. Wide spreads mean the price you pay when buying is noticeably higher than the price you receive when selling, cutting into profits, especially on lower-volume trades.
- Customer support primarily relies on chatbots and email, with limited reliable phone support from our testing. This can lead to delays in resolving urgent issues, such as account access or transaction problems, which can be frustrating for crypto day traders who need quick assistance.
Why Trade With Coinbase?
Coinbase is great for beginners who want an easy-to-use platform to buy and sell various cryptocurrencies, with strong security and regulatory compliance. However, its fees are higher than competitors in our tests, and it’s less suited for short-term traders.
Pros
- Coinbase offers over 240 cryptocurrencies, including Bitcoin (BTC), Ethereum (ETH), Solana (SOL), and new altcoins like $Trump, providing early access to emerging tokens.
- Platforms are available for all skill levels: beginners can use the simple Coinbase app, while Advanced Trade offers lower fees and professional tools.
- In 2025, Coinbase Advanced expanded its leveraged trading options with new futures products, including Ripple (XRP), Natural Gas (NGS), and Cardano (ADA), offering more ways to trade, hedge, or diversify.
Cons
- Advanced Trade provides TradingView charts but lacks research tools like news feeds, economic calendars, and AI market insights.
- Customer support is frustrating during testing because most help options require login, making it difficult for locked-out users or those without accounts to get assistance.
- Crypto fees are high based on tests, especially when compared to competitors like Kraken and BitMEX, particularly on the regular trading platform.
Why Trade With OKX?
OKX is a preferred choice for traders seeking new cryptocurrencies and projects for investment. Traders can benefit from its copy trading feature and automated bots.
Pros
- In 2025, OKX obtained a MiFID II license, allowing it to offer regulated derivatives products in Europe, ensuring confidence.
- Active traders will experience competitive maker and taker fees, at 0.02% and 0.05% respectively.
- Numerous blockchain offerings encompass DeFi services, NFTs, games and more than 400 existing and upcoming coins.
Cons
- Customer support quality varied during testing.
- The company provides minimal regulatory supervision, a typical feature among crypto trading platforms.
- The broker's platform and features might be hard to understand for new traders.
Why Trade With Swissquote?
Swissquote is a great option for active traders seeking a customizable platform, like its CXFD that includes Autochartist for automated chart analysis to assist trading decisions. However, its average fees and high $1,000 minimum deposit may be less accessible for beginners.
Pros
- Swissquote is highly trusted for being a bank, listed on the Swiss stock exchange, and authorized by FINMA in Switzerland, FCA in the UK, and CSSF in Luxembourg.
- Swissquote offers robust platforms for trading, including MetaTrader 4/5 and its proprietary CFXD (formerly Advanced Trader). These platforms provide customizable layouts, advanced charting tools, and technical indicators, all of which performed well in testing.
- Swissquote caters to fast trading strategies like scalping and high-frequency trading, offering 9ms average execution speeds, a 98% fill rate, and FIX API.
Cons
- Swissquote mainly serves professional and wealthy clients, requiring high minimum deposits like $1,000 for Standard accounts. This makes it less suitable for smaller traders, who might prefer brokers offering higher leverage and no minimum deposit.
- Unlike brokers like eToro, which offer social trading features, Swissquote lacks tools for community interaction or copying successful traders. This limits its appeal for those who value peer learning.
- Analysis indicates Swissquote has relatively high fees, with forex spreads starting at 1.3 pips on Standard accounts, whereas Pepperstone and IC Markets offer 0.0 pips. Transaction fees for non-Swiss stocks and ETFs can increase costs for frequent traders.
Filters
How We Chose the Best Platforms For Crypto Lending
We’ve ranked the best brokers for crypto lending based on our comprehensive ratings.
Our team verified each firm’s lending support, security features, and over 200 other factors—including fees, terms, and platform performance.
So you’re not just getting a crypto-friendly platform—you’re getting one built to maximize your lending potential.
What to Look for in a Broker That Supports Crypto Lending
There’s no one-size-fits-all. But the brokers in this guide check the big boxes: transparent terms, decent rates, strong security, and actual customer support.
Competitive Interest on Crypto Deposits
If you’ve got some crypto sitting idle in your wallet, why not put it to work? That’s the idea behind crypto lending: earning passive income by letting your assets generate interest. But here’s the catch: not all platforms offer competitive or consistent returns.
Here are a few things to watch out for:
- Unclear or fluctuating APYs (annual percentage yields) – We’ve found some brokers will advertise high returns, but the actual rate you receive depends on market conditions or hidden tiers.
- Limited support for altcoins or stablecoins – If you’re not holding BTC or ETH, options can be surprisingly thin.
- Low interest without lock-up – Flexible-term options often come with rates so low they’re barely worth it.
That’s why it pays to choose a platform that offers transparency and solid returns. Take OKX as an example. It stands out with strong interest rates across a wide range of supported assets, giving users solid opportunities to earn passive income. With flexible lending durations—from short-term to long-term—you can tailor your strategy based on your goals and market trends.
Transparency and Risk Control
Earning yield on your crypto is great until you realise you don’t actually know where your coins are going or who is borrowing them. Yep, crypto lending can be a bit of a black box unless you use a broker that prioritizes transparency and solid risk practices.
Common pain points in this area:
- Lack of clarity around borrower profiles – Many platforms don’t tell you who’s borrowing your assets or what kind of collateral is involved.
- No default protection – If the borrower fails to repay, you could be left holding the bag.
- Opaque risk models – You’re often trusting a proprietary algorithm you know nothing about.
Broker Integration with Regulated Custodians
Another primary concern with crypto lending is custody. Who’s actually holding your assets? Are they stored securely? Are they protected if something goes wrong?
Brokers that integrate with regulated custodians give lenders an extra layer of safety, especially in uncertain markets.
What usually goes wrong:
- Self-custody by unregulated platforms – Risky, especially when security or internal controls are weak.
- No insurance or asset segregation – Your funds could be pooled with others or exposed in a bankruptcy.
- Unclear legal framework – Good luck figuring out your rights if the broker collapses.
Institutional Lending Access
Some brokers keep it simple: retail users lend, and other retail users borrow. But others connect your crypto directly to institutional lending pools, where the borrowers are big-name market makers, hedge funds, and prop trading firms.
That’s where things can really scale, and the yields can reflect the demand.
Where most brokers fall short:
- Retail-only focus – You’re stuck lending to other small-time borrowers, which limits demand (and your returns).
- No visibility into counterparties – You don’t know if you’re lending to a high-frequency fund or an individual dipping their toes into altcoins.
- Low rates due to poor borrower quality – Higher risk doesn’t always mean higher rewards if the borrower base is weak.
Take OKX, for example, it connects users to a much broader ecosystem that includes institutional borrowers through its Earn and DeFi hub features. Your funds could be lent to top-tier firms with strong collateral backing. There are variable and fixed-term lending – choose your strategy depending on your risk tolerance and timeline. You can also benefit from DeFi integration options so you can route your assets through vetted protocols with yield farming opportunities.
Lending Flexibility Across Coins
Not everyone’s portfolio is 50% BTC and 50% ETH. Many crypto holders want to lend altcoins or stablecoins beyond the big names. The problem? Many brokers offer extremely limited support or flat-out ignore smaller tokens.
Where things break down:
- Only BTC/ETH supported – You’ve got SOL, DOT, or ADA? Sorry, no yield for you.
- Stablecoin-only lending – If it’s not USDT or USDC, you’re out of luck.
- High minimums – Some brokers only require large deposits to activate non-core asset lending.
Integrated Lending and Trading in One Platform
Most crypto traders want a place to earn passive income and a way to trade efficiently when the time is right. The problem? Many brokers split these into different platforms or force you to withdraw assets from lending before you can even trade.
Where it gets frustrating:
- No quick access to funds – You need to manually redeem or transfer assets from lending before you can trade.
- Separate apps for trading and earning – It’s like juggling two ecosystems with two sets of rules.
- Confusing interfaces – Some platforms make it a pain to switch between investing, lending, and trading.
Flexible Lending Terms and Payout Options
Some people want to lock in yield for 30, 60, or even 90 days. Others just want to park their coins overnight and keep them liquid. The best crypto lending brokers give you both options, along with clarity on how and when you’ll get paid.
But not every platform is that generous. Common limitations across brokers:
- No early withdrawal allowed – Once you commit to a term, you’re stuck, even if the market moves against you.
- Infrequent payouts – Some only pay interest weekly or monthly, which can delay reinvestment.
- No clear terms – It’s not always obvious when your interest starts accruing or how it’s calculated.
Regulatory Compliance and Transparency
Crypto lending has come under serious scrutiny in recent years. With the collapse of platforms like Celsius and BlockFi, traders are (rightfully) cautious.
The best brokers today are the ones that offer clear, regulated, and transparent lending operations, not smoke and mirrors.
What to watch out for:
- No licensing or disclosures – You don’t know who’s borrowing your funds or how the platform manages risk.
- Lack of insurance – If the broker goes bust, you might be out of luck.
- Shady offshore entities – Some platforms use shell companies, making it hard to track who’s in charge.
Customer Service That Actually Helps
Some crypto platforms still struggle with customer support. Long wait times, copy-paste replies, and bots that don’t understand the issue? We’ve all been there.
You need responsive, human support when you’re lending large amounts of crypto or managing multiple positions.
Where things go wrong:
- No live chat or phone support – Email-only support with 48-hour response times? No thanks.
- Bots, not people – AI chat is fine until you hit a real issue.
- Lack of account reps – No personal help, even for high-volume users.
FAQ
What Is Crypto Lending?
Crypto lending involves people lending their digital currencies, like Bitcoin, to others in exchange for interest. This happens through online platforms or apps.
For those who hold digital currencies, it’s a way to earn extra money without actively trading. For borrowers, it can be simpler, but higher risk, than taking a loan from a bank.