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Finder Crypto Savings Awards 2022

The Finder Crypto Savings Awards recognize crypto savings products for their competitive interest rates, cryptocurrency options and access to your money. Our banking and personal finance experts analyzed more than 20 crypto savings products on the market, rating each one against seven cryptocurrency and banking criteria.

We identified one winner and two runner-ups in eight award categories. Here are crypto savings products that outshine their competitors in 2022.

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Best Overall: Midas Investment

Midas Investments specializes in generating passive crypto income. This custodial yield aggregator offers lucrative yields on more than 20 digital assets that include BTC, ETH and USDC. Deposit your favorite cryptocurrency onto the platform or opt for its Yield Automated Portfolio (YAP) to diversify by investing in a curated collection of coins. While the company’s YAPs offer up to 13.1% APY, you must swap your YAP positions to another digital asset and pay the swap rates to withdraw your positions — including a routing and market spread fee.

Highly commended
  • Crypto.com Earn
  • MyConstant Deposit USD

Compare all crypto savings accounts.

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Best for USD Deposits: Gemini Earn

Gemini is among the few crypto exchanges available in all 50 states, making it a great option for US residents looking to buy, save, invest and earn crypto on one platform. When you’re ready to earn money on your coins, transfer them to Gemini Earn to earn interest that’s paid out daily. Withdraw your digital assets anytime with no transfer or withdrawal fees.

Highly commended
  • Outlet Finance savings
  • Crypto.com Earn

Compare all crypto savings accounts.

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Best for Supported Currencies: Gemini Earn

Unlike some crypto exchanges that support select cryptocurrencies on interest-earning accounts, Gemini Earn supports more than 50 coins, including stablecoins like USDC and DAI. Gemini Earn lets you lend your coins to accredited third-party institutional borrowers like Genesis and earn interest on your holdings. You can move your crypto — and any accrued interest — back to your trading account at any time, with interest paid daily at 4 p.m. ET.

Highly commended
  • Crypto.com Earn
  • CoinLoan Earn

Compare all crypto savings accounts.

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Best for Saving & Spending: Crypto.com Earn

Crypto.com Earn balances rewards with convenient withdrawals when you choose its flexible term. Transfer your cryptocurrency, including stablecoins, to your Earn account to start earning crypto rewards immediately. While Crypto.com requires you to deposit a minimum threshold to earn interest, you’ll pay no fees to deallocate or withdraw your crypto. And you can transfer your coins from your Earn account back to your wallet at any time.

Highly commended
  • MyConstant Deposit USD
  • Gemini Earn

Compare all crypto savings accounts.

Best for Large Balances: Midas Investment

Midas Investments is a passive crypto income platform that doesn’t limit how much you can deposit. Transfer large balances and earn competitive APY on more than 20 digital assets, including USDC, BTC and ETH. Purchase your preferred coins and deposit them onto Midas to receive your daily reward, or opt for the Yield Automated Portfolio (YAP) for automated asset management.

Highly commended
  • Crypto.com Earn
  • MyConstant Deposit USD

Compare all crypto savings accounts.

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Best for High Yield: Crypto.com Earn

Crypto.com Earn offers one of the highest rates for crypto savings products. You can earn up to 14.5% on your cryptocurrency and up to 8.5% for stablecoins. While yields don’t compound, the longer you lock money away, the more you stand to earn. Crypto.com Earn offers one-month and three-month terms, as well as a flexible term that allows you to withdraw your cryptocurrency at any time. Flexible term plans require a minimum deposit to earn rewards.

Highly commended
  • MyConstant Deposit USD
  • Midas Investment

Compare all crypto savings accounts.

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Best for Beginners: Gemini Earn

Gemini Earn is a solid starting point if you’re just getting into crypto savings products. Start earning interest on your crypto as soon as you transfer any amount of cryptocurrency from your Gemini trading account to Gemini Earn. There are no deposit minimums and no minimums, fees or time restrictions to withdraw your coins. Plus, unlike Crypto.com, Gemini doesn’t impose complicated membership tiers.

Highly commended
  • Donut
  • Crypto.com Earn

Compare all crypto savings accounts.

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Best for Accredited Investors: Gemini Earn

With Celsius a casualty of this summer’s crypto crash, whether you’re an accredited investor no longer carries as much weight when it comes to earning yield. Yet we’re willing to break the rules for Gemini Earn, which allows you to lend your crypto to vetted institutional investors to earn up to an advertised 8.05% APY with rewards paid daily. And unlike staking, your digital assets aren’t ever locked up.

Highly commended
  • Crypto.com Earn
  • MyConstant Deposit USD

Compare all crypto savings accounts.

Crypto savings awards methodology

Crypto savings awards methodology

Our editorial experts conducted a review of the market, analyzing 21 crypto savings products available to US residents as of August 2022.

We evaluated crypto savings products based on seven metrics across eight award categories:

  1. Intro or bonus offer
  2. Supported cryptocurrencies
  3. Deposit methods
  4. Withdrawal limits
  5. APY
  6. Compounding interest
  7. Currency interest is paid in

We weighted metrics differently across each award category as shown, using the total of all weighted scores for the winner and two finalists, where it applies.

Overall Award

Metrics/WeightsOverall award
APY50%
Supported cryptocurrencies20%
Deposit methods20%
Intro or bonus offer3%
Withdrawal limits3%
Compounding interest3%
Currency interest is paid in3%

Large Balances Award

Metrics/WeightsOverall award
APY30%
Withdrawal limits30%
Supported cryptocurrencies8%
Deposit methods8%
Intro or bonus offer8%
Compounding interest8%
Currency interest is paid in8%

Accredited Investors Award

Metrics/WeightsOverall award
Supported cryptocurrencies50%
Deposit methods15%
Withdrawal limits15%
APY5%
Intro or bonus offer5%
Compounding interest5%
Currency interest is paid in5%

Beginners Award

Metrics/WeightsOverall award
Intro or bonus offer30%
Deposit methods30%
Supported cryptocurrencies20%
Withdrawal limits5%
APY5%
Compounding interest5%
Currency interest is paid in5%

High-Yield Award

Metrics/WeightsOverall award
APY60%
Compounding interest20%
Withdrawal limits4%
Supported cryptocurrencies4%
Deposit methods4%
Intro or bonus offer4%
Currency interest is paid in4%

USD Deposits Award

Metrics/WeightsOverall award
Currency interest is paid in60%
Deposit methods20%
APY4%
Compounding interest4%
Withdrawal limits4%
Supported cryptocurrencies4%
Intro or bonus offer4%

Savings and Spending Award

Metrics/WeightsOverall award
APY30%
Withdrawal limits30%
Compounding interest10%
Currency interest is paid in10%
Supported cryptocurrencies7%
Deposit methods7%
Intro or bonus offer7%

Supported Cryptocurrencies Award

Metrics/WeightsOverall award
Supported cryptocurrencies60%
Compounding interest7%
APY7%
Withdrawal limits7%
Currency interest is paid in7%
Deposit methods7%
Intro or bonus offer7%

Disclaimer: This page is not financial advice or an endorsement of digital assets, providers or services. Digital assets are volatile and risky, and past performance is no guarantee of future results. Potential regulations or policies can affect their availability and services provided. Talk with a financial professional before making a decision. Finder or the author may own cryptocurrency discussed on this page.

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