Earn interests up to 10% APY in Crypto

Grow your wealth effortlessly. Explore various yield opportunities, including staking and lending, to maximize the passive returns on your cryptocurrency investments.
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200 000+ users
Rated 4.8 | 5000+ reviews
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DASP registered
by the AMF
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Discover our assets

Grow your cryptocurrency portfolio on Bitcoin, Ethereum, Altcoins or in Stablecoins.
Rewards % (APY)
Type
Reward distribution
Ethereum (ETH)
4.50%*
Staking
Monthly
Bitcoin (BTC)
2.00%
Lending
Daily
Tether USDt (USDT)
4.40%
Lending
Daily
USDC (USDC)
4.40%
Lending
Daily
Solana (SOL)
10.00%
Lending
Daily
Avalanche (AVAX)
7.00%
Lending
Daily
Chainlink (LINK)
2.00%
Lending
Daily
Polygon (MATIC)
5.00%
Lending
Daily
Litecoin (LTC)
2.00%
Lending
Daily
Bitcoin Cash (BCH)
4.00%
Lending
Daily
Stellar Lumens (XLM)
5.00%
Lending
Daily
Ripple (XRP)
2.00%
Lending
Daily
* The reward rate is based on the estimated protocol rate, which is subject to change.
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What our users are saying

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Finary transforms investing in cryptocurrencies into a simple and enjoyable experience. It only took me 5 minutes to create my account and purchase my first cryptocurrencies.
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Kevin B - Software Developer
It's simply the best way to start investing in cryptocurrencies. Easy to set up, no need to follow the market, my investment is made automatically each month.
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Jess B - Entrepreneur
Finary really helped me take the leap and invest in cryptocurrencies! The registration process was smooth and took just a few minutes, and I was able to set up my investment plan very easily.
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Arthur C - Product Manager
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We ensure the security of your data

Crypto-currency trading is offered by Finary through its partner Bitstamp, both registered by the AMF as DASPs (Digital Asset Service Provider) and both located in France.
We protect your Finary account with AES 256-bit encryption and TLS 1.2 to secure data in transit. For extra protection, we enable two-factor authentication by default.
Create your account
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Start investing 3 simple steps

1
Select your favorite cryptocurrencies
Choose from our 25 unbeatable price cryptocurrencies (Bitcoin, Ethereum, Solana, Avalanche, Cardano, etc...).
2
We verify your identity
Choose from our 25 unbeatable price cryptocurrencies (Bitcoin, Ethereum, Solana, Avalanche, Cardano, etc...).
3
Activate Staking or Lending
Your account is created, you have recharged and bought your cryptos, now all that's left is to activate staking or lending and earn your rewards.

What are Yield and APY?

The term Yield describes the interests you can earn with your crypto. The yearly percentage of these earnings is usually expressed in APY (annual percentage yield). An APY of 2% means, that you will earn 2% interests on the amount you e.g. lend or stake.

What is staking?

While staking, you are supporting the security of a Proof-of-Stake blockchain by validating transactions on the network. The transactions are validated by staking node operators. When staking your crypto with Finary, you are delegating your assets to a staking node operator, while maintaining full ownership of your crypto assets.

For each validated transaction rewards are issued from the Proof-of-Stake Protocol. The amount of crypto rewards you can earn depends on how much competition there is in staking across the entire blockchain, therefore the APY on staking programs is always only an estimate based on historical performance.

What are the risks of staking?

1. In rare cases, your staked assets may be lost due to network penalties (slashing) or other errors in the protocol.

2. While you stake your assets, you are not able to sell or send it to an external wallet. Unstaking the asset can take up to multiple days, depending on the network conditions. During this locking period you cannot sell or send your assets to an external wallet.

When do I get my staking rewards?

For staked ETH rewards are distributed monthly, usually to the beginning of the month.

What is lending?

As a lender you are borrowing your crypto assets to a so called borrower. As a reward for the risk you take, you are getting rewards in the crypto you are lending. Similar to lending euro at a bank, where you get your interests in euro.

Who are the borrowers?

Our lending partner only lends to reputable institutions and only after they have undertaken a rigorous risk assessment and credit evaluation.

Borrowers are grouped into 4 tiers:
Tier 1: Large top-tier market makers from traditional finance
Tier 2: Crypto-native market makers
Tiers 3 and 4: Smaller institutional borrowers

Our lending partner ensures minimal risk by diversifying the loan portfolio across multiple borrowers. The maximum exposure to each is based on their credit rating, ranging from 15% for Tier 1 to 5% exposure for Tier 4 borrowers. Our lending partner requires borrowers to provide at least 100% collateral for all stablecoin loans. Only assets that are liquid and widely traded are accepted as collateral, including BTC, ETH, USD, USDC, USDT, XRP, ADA, AVAX and DOT.

What are the risks of Lending?

1. The biggest risk of any lending operation is the credit risk. Credit risk refers potential loss of assets, due to the inability of the borrower to repay the loan or issue arising.

2. While you lend your assets, you are not able to sell or send it to an external wallet. Redeeming the asset from the Lending Program can take up to multiple days. During this locking period you cannot sell or send your assets to an external wallet.

When do I get my lending rewards?

Lending rewards for BTC, USDT and USDC are distributed daily. Usually during the morning hours.
What cryptos can I stake or lend?

For ETH, the annual return (APY) is 4.50%*. This return is obtained by staking and rewards are distributed monthly.

BTC offers a return of 2.00% through lending, with rewards distributed daily.

USDT and USDC both have a yield of 4.40% via lending, and rewards are also distributed daily.


Note: The reward rate for ETH is based on the estimated protocol rate, which is subject to change.

What are the costs & fees?

Finary is not charging any fees on yield. However, for the staking program, our Staking Partner is taking 15% from the rewards paid out.

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