Seven strategies to put your crypto to work, each described on the same criteria: where the yield comes from, what it paid on November 10, 2026, who holds your funds, the effort required and the risks.
Key takeaways
- Stablecoin savings and lending carry the least price risk. On November 10, 2026, USDC lending on Ethereum paid 3.15% to 4.80% APY on Aave V3, Compound V3 and Morpho, per DefiLlama. CeFi headline rates are higher but conditional: Nexo's up to 10.5% needs NEXO tokens and a 90-day term.
- Coinstancy Dollar Savings, our product, pays a fixed 7.50% APY on USDC, the rate currently in force, which may be revised. It is custodial, with no lock-up and a $10 minimum.
- Staking pays in the staked token: ETH liquid staking paid 1.79% to 2.88% and SOL liquid staking 4.47% to 5.06%, while ETH traded 58% below its all-time high.
- Liquidity pool APYs swing: Uniswap V3 USDC-WETH 0.05% showed 35.10% on the day but 13.81% on a 30-day average, before impermanent loss. Check how much of any APY is paid in reward tokens.
- Nodes, aggregators and airdrops add effort, extra contracts or high variance. Every figure here is a dated snapshot: check the live rate before acting.
Crypto Passive Income Overview
Crypto passive income is any strategy where your digital assets generate returns without daily active management. Traditional savings accounts pay little: the FDIC national average savings rate was 0.38% APY as of October 19, 2026. DeFi (decentralised finance) protocols run around the clock and are open to anyone with an internet connection and a wallet.
The market is large enough to compare like for like. On November 10, 2026, Aave held $16.2 billion and Morpho $10.9 billion in lending markets, Lido $20.4 billion in staked ETH, and Uniswap pools traded $63.2 billion over 30 days, per DefiLlama. Yields come from three real sources (borrowing demand, network security and trading fees) and, in some cases, from reward tokens, which this guide separates where the data allows. Read our guide to TVL in crypto for what those totals measure.
This guide covers seven strategies, ordered from lowest to highest complexity. Each section explains where the yield comes from, what named platforms paid on November 10, 2026, the effort required and the risks. To understand how APY (annual percentage yield) is calculated, read our APY guide.
Sustainable Yields
Sustainable yields come from real economic activity (borrowing demand, network security and trading fees), not from inflationary token emissions. DefiLlama splits each pool's APY into base and reward parts, so you can check.
Risk Transparency
Every strategy in this guide is rated by risk level, so you can match your portfolio to your comfort zone.
Compounding Effect
Compounding turns modest rates into meaningful returns. A 5% APR compounded daily is about 5.13% APY: $10,000 grows to about $10,513 in one year.
Strategy 1: Stablecoin Savings (Easiest)
If you want crypto passive income without the price swings of Bitcoin or Ethereum, stablecoin savings is the place to start. You deposit a dollar-pegged stablecoin such as USDC and earn interest. It looks like a high-yield savings account, but it is not a bank deposit and is not FDIC insured; the yield comes from crypto lending markets.
A savings platform accepts your USDC, deploys it into lending or other strategies and pays you a rate. The difference between platforms is who holds your funds, how the rate is set, the conditions attached to it and how quickly you can withdraw. Coinstancy is listed first below because it is our product, not because of an independent ranking; every platform is described on the same criteria.
Coinstancy: Earn 7.50% APY on USDC
Our product: a fixed-rate USDC savings account
- 7.50% fixed APY on USDC with Dollar Savings, the fixed rate currently in force, which may be revised
- Interest accrues every second and is automatically reinvested: no manual compounding needed
- No lock-up period and a $10 minimum deposit; USDC only
- You can request a withdrawal at any time. Complete requests are normally settled within 48 calendar hours; final network confirmation may take longer.
How Stablecoin Savings Works
When you deposit USDC into Coinstancy Dollar Savings, your deposit first enters a multisignature wallet operated by Coinstancy, then is allocated to on-chain strategies. Coinstancy is therefore custodial: you rely on Coinstancy as well as on the protocols it uses. In DeFi lending, the yield comes from borrowing demand: traders who need leverage, protocols that need liquidity and institutions managing treasury operations. You earn a fixed APY (the rate currently in force, which may be revised), and interest accrues every second and is automatically reinvested.
USDC Savings Platforms Compared
Rates advertised on each provider's public page on November 10, 2026. They vary by country and change often; our guide to earning interest on USDC and crypto savings accounts comparison go into more detail.
| Platform | USDC rate on November 10, 2026 | Conditions | Lock-up and payouts | Custody |
|---|---|---|---|---|
| Coinstancy Dollar Savings (our product) | 7.50% APY, fixed, currently in force | $10 minimum, USDC only; rate may be revised | No lock-up; withdrawals normally settled within 48 calendar hours | Custodial (multisig operated by Coinstancy) |
| Nexo | Up to 10.5% | Flexible up to 6.5%; +2 points if paid in NEXO tokens; +2 points for a 90-day term; depends on Loyalty Tier | Flexible or 90-day term | Custodial |
| Binance Simple Earn (Flexible) | 2.1% APR + 7% bonus APR | Bonus on the first 10,000 USDC only; minimum 0.01 USDC | Flexible | Custodial |
| Ledn (USDC Growth) | 6.5% APY below 100,000 USDC, 8.5% above | Rate by balance tier | Interest paid monthly | Custodial |
| YouHodler | 6% to 11% | Top rate needs a VIP level (about $5 million monthly trading volume) | No lock period; weekly payouts | Custodial |
| Coinbase | No rate shown on its public page | USDC rewards depend on location | n/a | Custodial |
Risk Level: Low
Stablecoin savings has the lowest market risk of the seven strategies, but it is not risk-free. Your principal is denominated in a dollar-pegged asset, so crypto price swings do not affect it. The remaining risks are smart contract vulnerabilities in the underlying protocols, liquidity delays in stressed markets and a USDC depeg: in March 2023, USDC traded below $0.90 on some exchanges after Circle disclosed reserves held at the failed Silicon Valley Bank, and recovered within days.
Custodial platforms add counterparty risk. Celsius halted its platform on June 12, 2022 and filed for Chapter 11 bankruptcy a month later; the SEC charged the company and its founder with fraud in July 2023. Voyager Digital filed for bankruptcy in July 2022, and BlockFi froze withdrawals after the FTX collapse and filed in November 2022 (see Sources). Rates that depend on holding the platform's own token deserve extra care. Our DeFi vs CeFi guide compares the two models.
Strategy 2: Staking
Staking is the process of locking your crypto assets to help secure a proof-of-stake blockchain network. In return, you earn newly issued tokens and a share of transaction fees. Rewards are paid in the native token, so your dollar return moves with its price: on November 10, 2026, ETH traded at $2,094.05, 58% below its all-time high of $4,946.05, per CoinGecko.
The most popular staking assets include Ethereum (ETH), Solana (SOL) and Cosmos (ATOM). Rewards differ by network: ATOM pays more than ETH (Coinbase showed up to 13.02% on November 10, 2026), but that rate is funded by 10% annual inflation on Cosmos Hub, so much of it offsets dilution. Our staking guide explains how rewards are calculated, and the best staking rewards guide compares more coins.
| Provider | Type | Asset | Rate on November 10, 2026 | Size (TVL) |
|---|---|---|---|---|
| Lido (stETH) | Liquid staking, 10% fee on rewards | ETH | 2.26% (30-day 2.66%) | $20.3 billion |
| ether.fi (weETH) | Liquid restaking | ETH | 2.88% (30-day 2.48%) | $4.61 billion |
| Rocket Pool (rETH) | Liquid staking, permissionless node operators | ETH | 1.79% (30-day 2.04%) | $1.01 billion |
| Coinbase (cbETH) | Exchange-issued liquid staking token | ETH | 2.66% | $414 million |
| Binance (wBETH) | Exchange-issued liquid staking token | ETH | 2.24% | $7.72 billion |
| Jito (JitoSOL) | Liquid staking with MEV rewards | SOL | 4.75% (30-day 4.77%) | $864 million |
| Marinade (mSOL) | Liquid staking | SOL | 4.70% (30-day 5.07%) | $191 million |
| Coinbase staking | Exchange, custodial | ETH / SOL | Up to 1.70% / 3.18% | n/a |
| Kraken staking (bonded) | Exchange, custodial | ETH / SOL | 2.48% / 4.60% | n/a |
Liquid staking rates and TVL: DefiLlama. Exchange rates: Coinbase and Kraken staking pages, net of their commission; they vary by country.
Native Staking
Running your own validator avoids third-party fees. Ethereum requires 32 ETH to run a validator. Solana and Cosmos let you delegate any amount to a validator from your wallet. Native staking usually involves an unbonding period (21 days on the Cosmos Hub, a variable exit queue on Ethereum) during which your funds are locked and earn no rewards.
The tradeoff is operational overhead. You need reliable hardware, uptime monitoring and awareness of slashing conditions. If your validator goes offline or double-signs a block, a portion of your stake can be slashed as a penalty.
Liquid Staking
Liquid staking protocols like Lido (stETH), Rocket Pool (rETH) and Jito (JitoSOL) let you stake without running infrastructure and receive a liquid receipt token that can be used elsewhere in DeFi. You can hold stETH to earn staking rewards while using it as collateral on lending platforms like Aave or Morpho.
Liquid staking tokens can trade at a discount to the underlying asset during market stress and carry an extra layer of smart contract risk. Returns are a little lower than native staking because the protocol takes a fee on rewards: 10% on Lido, per its documentation, and a 14% commission to node operators on Rocket Pool, per its documentation.
Exchange Staking
Centralized exchanges like Coinbase, Kraken and Binance offer one-click staking with low minimums. This is the simplest option, but it is custodial (the exchange holds your keys) and the exchange takes a commission on rewards. On November 10, 2026, Coinbase showed up to 1.70% on ETH, below the 2.26% paid by Lido stETH the same day. Exchange staking suits small amounts where convenience outweighs the fee drag.
Strategy 3: Lending
DeFi lending lets you deposit crypto assets into a protocol and earn interest from borrowers. There is no intermediary: smart contracts handle interest rate calculation and liquidation of undercollateralised loans automatically, and you keep custody of the receipt token in your own wallet.
The major lending protocols are Aave (the largest by total value locked, or TVL, and multi-chain), Morpho (isolated markets and curated vaults) and Compound (one of the first DeFi lending protocols). Rates are variable and move with borrowing demand, so compare the 30-day average as well as the rate of the day. Our Aave vs Compound vs Morpho comparison covers the differences in depth.
| Protocol / market | Asset and network | APY on November 10, 2026 | 30-day average | Protocol TVL |
|---|---|---|---|---|
| Aave V3 | USDC, Ethereum | 3.73% | 4.21% | $16.2 billion |
| Aave V3 | USDC, Base | 7.07% (incl. 1.64% rewards) | 6.19% | Same protocol |
| Morpho, Steakhouse USDC vault | USDC, Ethereum | 4.80% | 4.95% | $10.9 billion |
| Morpho, Gauntlet USDC Prime vault | USDC, Ethereum | 4.78% | 4.86% | Same protocol |
| Compound V3 | USDC, Ethereum | 3.15% | 4.50% | $1.30 billion |
| Compound V3 | USDT, Ethereum | 7.57% | 5.29% | Same protocol |
| Sky Savings Rate (sUSDS) | USDS, Ethereum | 3.80% (set by governance) | 3.80% | $4.17 billion (Sky Lending) |
Source: DefiLlama Yields and protocol TVL on November 10, 2026. The spread between the rate of the day and the 30-day average shows how fast variable rates move.
How DeFi Lending Works
Borrowers deposit collateral worth more than their loan (overcollateralisation) and borrow against it. If the collateral's value drops below the liquidation threshold, the position is liquidated to repay lenders. This model protects depositors from defaults as long as liquidations work.
Interest rates adjust algorithmically based on utilization. When demand for borrowing is high (high utilization), rates increase to attract more deposits. When demand is low, rates decrease. Sky is the exception in the table: its savings rate is set by governance rather than by utilization.
Risk Assessment
Lending protocol risk includes smart contract bugs, oracle manipulation (which could cause incorrect liquidations) and bad debt from liquidation failures during extreme market crashes. Older protocols such as Aave and Compound have longer operating histories, but newer or less-audited protocols carry higher risk. At high utilization, withdrawals can also wait until borrowers repay or new deposits arrive.
Morpho isolates each market (one collateral asset, one loan asset), so bad debt in one market does not spread to the others; its vault curators choose which markets a vault lends to. If you want a yield on USDC without managing protocol interactions yourself, Coinstancy Dollar Savings, our product, offers a fixed APY and handles the allocation for you, with custodial risk instead of self-custody.
Strategy 4: Liquidity Provision
Liquidity provision means depositing tokens into decentralized exchange pools so traders can swap between them. In return, you earn a share of the trading fees generated by the pool as a liquidity provider (LP), sometimes topped up with reward tokens. This is the engine behind yield farming; our liquidity pool guide explains the mechanics.
Popular platforms include Uniswap (concentrated liquidity, $3.38 billion TVL and $63.2 billion of volume over 30 days), Curve (stablecoin-optimised, $1.06 billion TVL and $5.14 billion of volume), Aerodrome on Base ($137 million TVL and $8.71 billion of volume) and Balancer (weighted and boosted pools, $31 million TVL), all per DefiLlama on November 10, 2026. The pool table shows how differently fee income and rewards behave.
| Pool (Ethereum) | Pool TVL | APY on November 10, 2026 | From fees (base) | From rewards | 30-day average |
|---|---|---|---|---|---|
| Uniswap V3 USDC-WETH 0.05% | $80 million | 35.10% | 35.10% | 0.00% | 13.81% |
| Uniswap V3 WETH-USDT 0.3% | $76 million | 23.00% | 23.00% | 0.00% | 52.56% |
| Curve USDC/RLUSD | $40 million | 3.99% | 0.08% | 3.91% (CRV) | 4.90% |
| Curve 3pool DAI-USDC-USDT | $162 million | 0.00% | 0.00% | 0.00% | 0.00% |
| Curve ETH-stETH | $79 million | 1.30% | 1.30% | 0.00% | 1.63% |
Source: DefiLlama Yields on November 10, 2026. Pool APYs annualise recent fees and exclude impermanent loss. The Uniswap USDC-WETH pool's rate of the day was more than twice its 30-day average, while the WETH-USDT pool's was less than half of it: one busy or quiet day changes the headline. Almost all of the Curve USDC/RLUSD yield was paid in CRV, whose dollar value moves with the token price ($0.259 on November 10, 2026, per CoinGecko), and the large 3pool earned close to nothing.
Fee Income
Every swap through your pool pays a fee at the pool's fee tier (0.05% or 0.3% in the Uniswap pools above), split among liquidity providers in proportion to their active liquidity.
Impermanent Loss
When token prices in your pair diverge, the pool rebalances, leaving you with more of the token that fell. The loss is "impermanent" only if prices return to their original ratio. See our impermanent loss guide for worked examples.
Concentrated Liquidity
Uniswap v3 and v4 let you focus liquidity in specific price ranges. This amplifies fee income but requires active management and increases impermanent loss if the price moves outside your range, where your position stops earning fees.
Best for Stablecoins
Stablecoin-stablecoin pools (USDC/USDT, USDC/RLUSD) minimize impermanent loss since both assets track the same value. They are the lowest-risk LP positions, but as the 3pool shows, fee income can be very low.
Strategy 5: Running Nodes
Decentralized infrastructure networks pay node operators to provide compute, storage, video transcoding, oracle data and other services. Unlike delegated staking, running a node means your hardware is actively performing work for the network, so income depends on demand for that work as well as on the token price.
This strategy suits technically inclined users who are comfortable managing servers and monitoring uptime. Token prices matter as much as the work: on November 10, 2026, AKT traded at $0.629 (market cap $188 million) against an all-time high of $8.07, and LPT at $1.3 (market cap $65 million) against $99.03, per CoinGecko.
Akash Network: Decentralized Cloud Computing
Akash is a decentralized cloud marketplace where providers lease compute resources (CPU, GPU, memory) to deployers. As a provider, you offer your hardware to the network and receive lease payments in AKT or USDC. Returns depend on your hardware, its utilization and current demand for compute, so there is no standard rate to quote.
GPU capacity is the main draw for deployers running AI workloads, but it requires dedicated hardware and networking infrastructure, and an idle provider earns nothing. Read the Akash provider documentation before buying hardware for this purpose.
Livepeer: Video Transcoding
Livepeer is a decentralized video transcoding network. Orchestrators stake LPT and use their GPUs to transcode video streams for broadcasters. Delegators can earn passive income by staking LPT to an orchestrator without running hardware themselves. Returns come from ETH fees paid by video platforms and LPT inflation rewards, minus the orchestrator's fee share. The delegation model makes Livepeer accessible to non-technical users.
Chainlink: Oracle Nodes
Chainlink node operators supply off-chain data (price feeds, random numbers and other data) to smart contracts. Becoming an operator for the main price feeds is selective and requires reliable infrastructure and integration with data sources. Revenue comes from LINK payments for the data requests a node services. For most holders, the realistic route is the Chainlink staking program rather than running a node.
Strategy 6: Yield Aggregators
Yield aggregators optimize returns by compounding rewards, rebalancing across protocols and harvesting token incentives on your behalf. Instead of manually claiming rewards and redepositing them, an aggregator's smart contract does this for many users at once, spreading gas costs and compounding more often than an individual could.
Aggregators differ a lot in size. On November 10, 2026, per DefiLlama, Convex Finance (which boosts Curve rewards) held $492 million, Yearn Finance (Ethereum-native, pioneered the yield vault) $195 million, Beefy Finance (multi-chain vaults) $94 million and Sommelier (actively managed strategy vaults) $891,329. Each offers a different approach to yield optimization.
Auto-Compounding
The core value proposition of yield aggregators is auto-compounding. If a farm pays rewards in a governance token, the aggregator sells that token, buys more of your deposited asset and redeposits it, sometimes several times a day. Compounding a 20% APR daily gives roughly 22% APY; on low single-digit rates, the gain from compounding is much smaller.
Beefy is a typical example: its USDC vault that deposits into Morpho paid 5.09% on November 10, 2026 (30-day average 5.63%), per DefiLlama, against 4.80% for Morpho's Steakhouse USDC vault directly. You deposit LP tokens or single assets, and the vault handles the rest.
Risk Considerations
Yield aggregators add a layer of smart contract risk on top of the underlying protocol risk. You are trusting both the aggregator's contracts and the farm or protocol where your funds are ultimately deployed. Auto-sold reward tokens may also suffer from slippage during large sells, and the aggregator usually takes a performance fee.
Older aggregators such as Yearn and Beefy have longer track records and publish their audits in their documentation. Newer or smaller aggregators may advertise higher APYs but carry proportionally higher risk. Check TVL, audit reports and fee terms before depositing.
Strategy 7: Airdrops & Points
Airdrops distribute tokens to early users of a protocol, often based on historical on-chain activity. The "points" programs that spread in 2024 formalized this: protocols award off-chain points for using their products, which may later convert into token allocations. This strategy requires little capital but significant time and attention.
The best-known example is Uniswap's UNI airdrop of September 2020: 400 UNI to each of 251,534 addresses that had used the protocol, per Uniswap. At the $6.98 UNI price of November 10, 2026, that allocation was worth about $2,792; at UNI's all-time high of $44.92 in May 2021, about $17,968. When you sell matters as much as what you receive. More recently, protocols such as Arbitrum, EigenLayer, LayerZero and Starknet have distributed tokens to early users; EigenLayer's restaking protocol held $5.35 billion on November 10, 2026, per DefiLlama.
How to Position for Airdrops
- Use new protocols early. Testnet participation, early mainnet deposits and governance activity often qualify wallets for future airdrops.
- Bridge to new chains. Using a chain's native bridge in its first months has qualified users for several chain token distributions.
- Accumulate points. Many DeFi protocols run points programs that explicitly reward depositors, traders and referrers before their token launch.
- Keep activity genuine. Protocols often filter out Sybil wallets (one user running many wallets). Organic usage across protocols and chains tends to qualify for larger allocations.
Risk: High Variance
Airdrops are not guaranteed income. You might spend months interacting with a protocol only to receive a negligible allocation, or nothing at all if the project never launches a token. Gas fees spent on qualifying transactions are a real cost, and the deposits you make to earn points carry the usual smart contract risk. The strategy pairs well with others: you can earn staking or lending yield while accumulating points.
Skip the Complexity: Start Earning Today
Liquidity provision and node operation require technical expertise and active management. Coinstancy Dollar Savings, our product, pays a fixed 7.50% APY on USDC, the rate currently in force. Interest accrues every second and is automatically reinvested. No lock-up; withdrawal requests are normally settled within 48 calendar hours.
Earn 7.50% APY on USDCAll 7 Strategies Compared
Here is a side-by-side comparison of every crypto passive income strategy covered in this guide, with example rates from November 10, 2026. Coinstancy is listed first because it is our product; the same criteria apply to every row. Third-party yields change daily: treat the figures as a dated snapshot.
| Strategy | Example rates on November 10, 2026 | Paid in | Risk Level | Effort | Min Capital |
|---|---|---|---|---|---|
| Stablecoin Savings (Coinstancy Dollar Savings) | 7.50% fixed, currently in force | USDC | Low (custodial) | Minimal | $10 |
| Stablecoin Savings (CeFi platforms) | Nexo up to 10.5%, Ledn 6.5%, Binance 2.1% + bonus | USDC (Nexo bonus in NEXO) | Low-Medium (custodial) | Minimal | Varies by platform |
| Staking (ETH, SOL) | ETH 1.79% to 2.88%, SOL 4.47% to 5.06% (liquid staking) | The staked token | Medium (token price) | Low | A few dollars |
| Lending (Aave, Morpho, Compound) | USDC 3.15% to 4.80% on Ethereum | The lent asset | Medium | Low | Any amount, plus gas |
| Liquidity Provision | Uniswap USDC-WETH 35.10% (30-day 13.81%); Curve 3pool 0.00% | Pool tokens, plus rewards | Medium-High | Medium | Any amount, plus gas |
| Running Nodes | Depends on hardware and demand | Network token or fees | Medium-High | High | Dedicated hardware |
| Yield Aggregators | Beefy USDC (Morpho) 5.09% | The deposited asset | Medium | Low | Any amount, plus gas |
| Airdrops & Points | Unpredictable | New tokens | High Variance | Medium | Gas costs only |
Frequently Asked Questions
What is the safest way to earn passive income with crypto?
How much can I realistically earn from crypto passive income?
What pays more in 2026: staking ETH or lending USDC?
Why do some liquidity pools advertise very high APYs?
Which CeFi platforms pay interest on USDC, and on what conditions?
Do I need a lot of money to start earning crypto passive income?
Is crypto passive income taxable?
What is the difference between APY and APR in crypto?
Can I lose money with crypto passive income strategies?
Continue Learning
Dive deeper into the protocols and strategies mentioned in this guide.
What is APY in Crypto?
Understand how APY is calculated, the difference between APR and APY, and how compounding frequency impacts your returns.
Read GuideWhat Is Staking?
How Proof of Stake works, where staking rewards come from and what Lido, Jito, Kraken and Coinbase paid.
Read GuideStablecoin Yield Guide
Where to earn stablecoin yield in 2026. Compare platforms, strategies and risks.
Read GuideThe Easiest Crypto Passive Income
Earn 7.50% APY on USDC with Coinstancy Dollar Savings, the fixed rate currently in force. Interest accrues every second and is automatically reinvested. No lock-up, $10 minimum, no DeFi experience required.
Start Earning on CoinstancySources and further reading
The figures and claims on this page rest on the documents below. Time-sensitive figures (rates, yields, fees, market data) move: check the live value at the source before acting on it.
- DefiLlama, Yieldsdefillama.com
APY, base and reward split and 30-day averages on November 10, 2026 for the Aave, Compound, Morpho, Sky, Beefy lending and savings markets, the Lido, Rocket Pool, ether.fi, Coinbase, Binance, Jito and Marinade liquid staking tokens, and the Uniswap V3 and Curve pools.
- DefiLlama, Protocols and DEX volumesdefillama.com
TVL of Aave, Morpho, Compound, Sky Lending, Lido, Uniswap, Curve, Aerodrome, Balancer, Convex, Yearn, Beefy, Sommelier and EigenLayer, and 30-day DEX volumes, on November 10, 2026.
- CoinGeckocoingecko.com
ETH, CRV, AKT, LPT and UNI prices, market caps and all-time highs on November 10, 2026.
- Nexo, Earn interest on USDCnexo.com
Nexo's USDC rates on November 10, 2026 (up to 10.5%), the flexible rate, the NEXO-token and 90-day term bonuses and the Loyalty Tier condition.
- Binance, Simple Earnbinance.com
USDC Flexible product on November 10, 2026: real-time APR, bonus tiered APR on the first 10,000 USDC and minimum subscription.
- Ledn, USDC Growth accountsledn.io
Ledn's USDC rates by balance and monthly payouts on November 10, 2026.
- YouHodler, Yield Accountyouhodler.com
USDC rates by loyalty level, the trading volume each level requires, weekly payouts and no lock period, on November 10, 2026.
- Coinbase, USDCcoinbase.com
Coinbase USDC rewards, subject to location; no rate was displayed when we checked on November 10, 2026.
- Coinbase, Staking (asset pages)coinbase.com
"Earn up to" staking rates for ETH, SOL and ATOM shown on November 10, 2026; availability depends on location.
- Kraken, Staking rewardskraken.com
Bonded staking rates for ETH and SOL on November 10, 2026.
- Cosmos Hub REST API (cosmos.directory)rest.cosmos.directory
Cosmos Hub inflation parameter on November 10, 2026 (10%).
- Ethereum.org, Stakingethereum.org
How Ethereum staking works and the 32 ETH validator requirement.
- Cosmos SDK documentationdocs.cosmos.network
Staking and unbonding mechanics for Cosmos chains, including the 21-day unbonding period.
- Lido documentationdocs.lido.fi
How stETH works and the 10% fee taken on staking rewards.
- Rocket Pool documentationdocs.rocketpool.net
rETH and the 14% commission paid to node operators.
- Aave documentationdocs.aave.com
Overcollateralised lending, variable interest rates and liquidations.
- Morpho documentationdocs.morpho.org
Isolated lending markets and curated vaults.
- Sky documentation (formerly MakerDAO)docs.sky.money
USDS and the governance-set Sky Savings Rate.
- Uniswap, Introducing UNIblog.uniswap.org
The September 2020 UNI distribution: 400 UNI to each of 251,534 historical user addresses.
- Circle, USDC transparencycircle.com
USDC reserve composition and attestations; context for stablecoin depeg risk.
- SEC press release 2023-133, charges against Celsius and Alex Mashinskysec.gov
The Celsius Earn Interest Program, the platform halt of June 12, 2022 and the fraud charges.
- BlockFi, Wikipediawikipedia.org
Withdrawal halt after the FTX collapse and the Chapter 11 filing of November 28, 2022.
- Voyager Digital, Wikipediawikipedia.org
Voyager's suspension of withdrawals and Chapter 11 filing in July 2022.
- FDIC, National rates and rate capsfdic.gov
National average savings rate of 0.38% APY as of October 19, 2026.
- IRS, Digital assetsirs.gov
US tax treatment of staking rewards, interest and other crypto income.
Last reviewed: November 2026. External links open in a new tab; Coinstancy is not responsible for their content.
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