List of the Top 25 Crypto Lending (DeFi) Platforms for Bitcoin in 2025

Nexo stands out as a leading digital asset wealth platform, aimed at enabling clients to enhance, manage, and secure their cryptocurrency investments. Our goal is to spearhead the future of wealth creation by prioritizing customer success and offering customized solutions that foster lasting value, complemented by round-the-clock client support. Recognizing that wealth accumulation is not a universal approach, Nexo empowers you to decide the trajectory of your asset growth. Whether you prefer the freedom of flexibility or the assurance of higher fixed returns, your aspirations dictate your path. With our Flexible Savings, you can earn daily compounding interest on your crypto and stablecoins, enjoying the freedom to spend, trade, or withdraw at any time while receiving up to 14% annual interest. For those inclined towards a more stable investment, Fixed-term Savings can yield an impressive annual interest rate of up to 16%, catering to your long-term financial goals. At Nexo, we believe that your cryptocurrency should flourish in tandem with your ambitions. Furthermore, we are committed to helping you maximize the potential of your portfolio. Why liquidate your digital assets and forfeit potential gains when you can utilize them instead? With Nexo’s crypto Credit Line, you can access liquidity without parting with your coins, enhancing your purchasing power with interest rates starting as low as 2.9%. Take control of your financial future and build your wealth on your own terms with Nexo, where your goals shape your investment journey.

Zengo stands out as the sole self-custodial wallet that eliminates the risks associated with seed phrase vulnerabilities. What accounts for Zengo's trust among over a million users? It's simple: not a single Zengo wallet has been compromised or hacked. Your crypto wallet is both safe and secure: Say goodbye to the anxiety of misplacing your seed phrase. Thanks to Zengo's cutting-edge cryptography, you won't have to manage a seed phrase at all. The process of signing blockchain transactions is shared between us and our users, ensuring that neither party has access to the other's confidential information. Experience the only non-custodial wallet that guarantees you won't lose your seed phrase. Enjoy effortless buying, selling, exchanging, and earning: You can easily purchase, sell, and trade using various payment options such as PayPal, bank transfers, credit or debit cards, Apple Pay, or Google Pay. Zengo supports six blockchains, four layer 2 solutions, and a multitude of crypto assets. Your wallet is fully recoverable: Our innovative 3FA recovery system, combined with 3D FaceLock technology, allows you to regain access to your wallet on any smartphone or tablet, ensuring you never lose your crypto access again. Exceptional 24/7 support: We recognize that navigating the world of cryptocurrency can be challenging. This is why we offer seamless communication, allowing you to reach out to us anytime you need assistance through the app, day or night. Additionally, our dedicated team is always ready to help you with any queries or concerns you may have.

YouHodler is a financial technology firm that connects the realms of traditional finance and cryptocurrency, committed to delivering safe and innovative financial services to clients across more than 100 nations. With crypto loans, you can leverage your digital assets as collateral to obtain cash, receiving 90% of the value from over 30 well-known cryptocurrencies. Starting with as little as $100, you can generate income with the convenience of immediate withdrawals to bank accounts or credit cards, and you can choose to borrow in currencies such as USD, EUR, CHF, or GBP. Additionally, YouHodler facilitates the exchange of fiat and cryptocurrency through an intuitive application that streamlines the conversion process, ensuring you access your funds quickly. YouHodler also allows clients to earn up to 20% annually by converting their crypto assets into yield accounts, with payouts occurring weekly directly into their crypto wallets, making it an appealing option for those who prefer to buy and hold their cryptocurrencies to boost their returns. Furthermore, the YouHodler Cloud Miner provides an engaging and straightforward method to earn genuine Bitcoin without the need for your device's computing power, enabling users to mine effortlessly and reap rewards with minimal effort. This user-friendly approach not only simplifies the mining process but also attracts a broader audience interested in cryptocurrency investment.

Hodlnaut is a financial services platform designed for individual investors, allowing them to earn interest on their cryptocurrency holdings by lending them to institutions. By depositing their crypto assets into a Hodlnaut Interest Account, users can accumulate interest on their investments. Currently, our interest rates reach as high as 4.08% APY for Bitcoin, 4.60% APY for Ethereum, 7.25% APY for USDC and USDT, and 3.56% APY for DAI. Take advantage of these competitive rates by signing up for an account today and begin your journey towards earning interest on your cryptocurrency assets!

Engage in the trading of well-known cryptocurrencies and explore expertly curated investment portfolios. Join a thriving community of over 30 million traders to enhance your trading experience. With access to more than 30 of the most sought-after coins, you can create a well-rounded investment strategy. We prioritize your security and offer robust protection measures to ensure your peace of mind. Enjoy a transparent trading experience with no hidden costs. To refine your trading abilities, a virtual portfolio worth $100,000 is available for practice. Through eToro’s innovative CopyTrader feature, you can easily replicate the trades of successful investors. Simply choose a trader you wish to follow, specify an investment amount, and hit copy to trade alongside them. The user-friendly interface allows for effortless management of your cryptocurrency holdings. Utilize charts and advanced analytical tools to stay updated on market trends for each coin. Enjoy seamless integration with the eToro wallet for convenient transactions. With a solid reputation built over a decade, eToro is a trusted name in the fintech sector. Your funds are safeguarded by leading security measures, giving you confidence in your investments. We will never disclose your private information without your permission, ensuring your privacy is maintained. Additionally, funds held at eToro USA are FDIC insured, providing further reassurance that your cash remains secure and protected.

Your cryptocurrency should begin generating value for you instantly, without the need to wait for the market to meet your expectations. We have developed a secure and efficient method for you to quickly borrow cryptocurrency. As the leading non-custodial service for cryptocurrency trading, our streamlined process for crypto loans enables you to reach a broader audience, boost your earnings, and actively connect with your users. We prioritize the safety of your assets, which is why we provide round-the-clock monitoring of your loan. If your loan approaches any critical thresholds, we will promptly alert you via SMS and email. Our dedicated support team is accessible at all times, ready to assist you both before and after your loan is disbursed. With various collateral options available, you have the flexibility to tailor your loan to your needs. Upon confirming your loan, just provide your USDT payout address, and we will facilitate the transfer of funds to you seamlessly. Additionally, we pride ourselves on offering a user-friendly experience that ensures you stay informed and in control throughout the lending process.

OKX ranks among the largest cryptocurrency exchanges globally in terms of trading volume and stands out as a prominent player in the Web3 landscape. Trusted by over 50 million users worldwide, OKX regularly publishes monthly Proof of Reserve reports to enhance transparency. It is recognized as the fastest and most dependable trading application for professional traders across the globe. - Engage in the buying, selling, and trading of more than 350 tokens using over 100 local currencies. - Easily mirror the trading strategies of top industry professionals with a single click. - Dive into the Web3 realm and manage your crypto, NFTs, and digital assets seamlessly through the OKX Wallet. By offering a broad array of crypto products and services while remaining steadfast in its dedication to innovation, OKX envisions a future where financial access is supported by blockchain technology and the transformative potential of decentralized finance, ultimately empowering users around the world.

ECOS is an innovative platform for cryptocurrency investments that features a digital wallet, an exchange for trading cryptocurrencies, mining capabilities, tools for managing crypto portfolios, and options for crypto savings accounts. Through ECOS Portfolio, users can engage in investing across various digital asset portfolios tailored to different levels of risk and return. The platform is designed to be accessible, allowing anyone, regardless of their expertise, to select a portfolio that suits their needs. Users can easily acquire real mining power without any significant effort by purchasing a cloud mining contract. This contract allows individuals to rent mining facilities for a specified duration, enabling them to earn bitcoin. Furthermore, the mining company takes care of all the necessary physical infrastructure, software, electricity, site placement, and maintenance, providing a hassle-free experience for users looking to enter the crypto mining space. By simplifying these processes, ECOS empowers users to confidently navigate the world of cryptocurrency investments.

Crypto.com stands out as a premier platform for cryptocurrency transactions and payments. With Crypto.com, users have the opportunity to purchase cryptocurrencies at actual market prices. The platform supports over 55 cryptocurrencies, including well-known options like Bitcoin (BTC), Ethereum (ETH), Ripple (XRP), and Litecoin (LTC), all available for purchase using a credit card through the mobile application. Moreover, the Crypto.com VISA Card offers users the convenience of spending at optimal interbank exchange rates while earning crypto cash back on their expenditures. Additionally, users can enhance their investment portfolio by earning interest of up to 14% on their cryptocurrency holdings, making it an attractive choice for both new and seasoned investors. This combination of features positions Crypto.com as a comprehensive solution for all cryptocurrency needs.

Binance Exchange is recognized as the leading cryptocurrency platform across the globe. Capable of processing more than 1.4 million orders per second, it is the largest exchange by trading volume and is celebrated for its rapid transaction speeds. The platform prioritizes security, dependability, and quick execution, appealing to both novice traders and experienced investors alike. With its wide array of features accommodating various trading approaches, it has become a favored option among many participants in the cryptocurrency ecosystem. Furthermore, Binance continually updates its offerings to meet the evolving needs of its users, solidifying its position as a cornerstone of the crypto trading landscape.

Voyager offers investors exceptional execution, extensive data, and wallet and custody services through its powerful open architecture platform. Established by experienced entrepreneurs from both Wall Street and Silicon Valley, Voyager aims to provide a more effective, transparent, and affordable way to trade cryptocurrencies. The platform supports Bitcoin, prominent DeFi coins, stablecoins, and a wide range of altcoins, making it suitable for all types of investors. Our dedication to integrity and transparency is steadfast, as we conduct regular audits to guarantee that every asset is precisely tracked within our secure system. You can rest easy knowing that our cutting-edge technology is designed to protect against hacking and fraud, ensuring that your funds are safe. We also have insurance coverage for the cash you keep with us, providing an extra layer of security. Effortlessly build and grow your cryptocurrency portfolio while managing your assets conveniently on the go, allowing you to capitalize on trading opportunities without hesitation. You can start your journey with Voyager in a mere three minutes, experiencing a revolutionary approach to cryptocurrency investment. As you engage with the future of digital finance, know that we are committed to supporting you throughout your investment journey, offering guidance and resources whenever needed. Join us and explore a world of opportunities in the ever-evolving landscape of cryptocurrency.

Maximize the potential of your idle assets with MyConstant, where you can earn impressive interest rates of up to 14% APY on USDC and USDT, 4% APY on BTC and ETH, and 7% APR for lending in USD. Enjoy the benefits of having no investment fees, free withdrawals, and round-the-clock customer support. Additionally, you can borrow against more than 73 cryptocurrencies starting at just 6% APR, allowing you to access cash or crypto instantly without liquidating your investments. Your cryptocurrency is kept secure and will be returned to you upon repayment, ensuring that your assets are protected. In contrast to traditional peer-to-peer platforms that often take advantage of borrowers and place financial risks on investors, MyConstant focuses on safeguarding the interests of both parties by utilizing crypto collateral to mitigate risks associated with defaults. You can withdraw any amount in USD without incurring fees, sending it directly to your bank account, and you’ll have immediate access to your funds with the flexibility of choosing from three fixed terms. With MyConstant, you won't encounter impersonal call centers or automated responses; instead, you’ll receive support from real people who are dedicated to assisting you. Join us today and experience a more secure and user-friendly approach to managing your crypto assets.

Discover the premier solution for acquiring, managing, and leveraging cryptocurrencies. This intuitive and highly effective wallet allows users to evolve from complete beginners to crypto aficionados in mere moments. Begin by verifying your identity, connecting a payment method, and start accumulating a variety of cryptocurrencies. Rest assured that your funds are solely under your control, as we do not retain any access to your assets. Moreover, you can enhance your investment by depositing your cryptocurrencies into an interest-earning account, allowing your wealth to grow. Effortlessly convert your digital currencies into cash or exchange them for others with remarkable efficiency. Our dedicated customer service is available for direct assistance on the Exchange platform at any hour of the day. We provide powerful APIs, including Web Socket, REST, and binary options, specifically designed for different categories of professional users. Whether you're looking to verify transactions, analyze the market, or deepen your understanding of cryptocurrencies, we cater to exchanges, data analysts, and enthusiasts alike. Our platform offers in-depth insights, including Hashrate metrics and mining information, ensuring you are well-informed. Stay updated with real-time prices, charts, and vital market indicators to aid in making informed investment choices. Embrace the cryptocurrency landscape with confidence and simplicity as you tap into the complete capabilities of your digital asset portfolio, paving the way for future financial opportunities.

Bake, which was previously known as Cake DeFi, is a platform based in Singapore that offers straightforward access to various Decentralized Finance (DeFi) applications and services. By utilizing Bake, users can earn returns on their digital assets through a method that prioritizes security, transparency, and safety. The platform merges customer service, user-friendliness, and the transparency of DeFi with the advantages of centralized finance (CeFi), resulting in a superior CeDeFi experience tailored for retail clients. This innovative approach enhances the overall user experience while maximizing the potential for returns on investments. For additional details, you can explore bake.io.

Bitrue, a cryptocurrency exchange established in 2018, distinguishes itself by offering more than 50 XRP trading pairs and being the pioneer in utilizing XRP as a base currency, coupled with some of the highest annual percentage rates (APRs) available globally for investments. This platform enables users to conduct transactions involving Bitcoin, Ethereum, XRP, and numerous other digital currencies, facilitating investment, loan, and trading management in a streamlined manner. With a mission to empower individuals to take charge of their financial destinies, Bitrue prioritizes speed, robust security measures, and user-friendly experiences. Designed for both novice and seasoned traders, the platform strives to create an accessible environment for managing digital assets, supported by a dedicated team of experts in digital finance, cybersecurity, and blockchain technology. Furthermore, Bitrue is committed to continuous innovation and excellence in the realm of digital finance, ensuring that users can confidently navigate the complexities of cryptocurrency trading while enjoying a secure and efficient experience. As the cryptocurrency landscape evolves, Bitrue remains steadfast in its mission to enhance user engagement and satisfaction through cutting-edge features and services.

Gemini provides a modern, secure, and user-friendly platform for overseeing your cryptocurrency investments. The process of buying, selling, and storing crypto is now incredibly simple for everyone. Whether you are an experienced trader or just starting out, Gemini equips you with all the essential tools to effectively manage your cryptocurrency activities. As a licensed trust company headquartered in New York, Gemini undergoes regular examinations and strict cybersecurity assessments by the New York Department of Financial Services. Moreover, it proudly holds SOC 1 Type 1 and SOC 2 Type 2 certifications, making it the first cryptocurrency exchange and custodian to achieve such recognition. To further bolster account security, users have the option to safeguard their accounts with a hardware security key using WebAuthn technology. Also, clients can feel secure knowing that all crypto assets stored in the exchange wallet are insured, along with having access to top-notch cold storage solutions provided by leading insurance companies. With these combined features, Gemini strives to foster a safe and efficient experience for all users navigating the dynamic landscape of cryptocurrency, ensuring that both new and experienced investors can manage their assets with confidence.

Unlock the full potential of your digital assets with Ledn, where you can earn interest, obtain dollar loans secured by bitcoin, and finance further bitcoin acquisitions while maintaining ownership of your assets. By utilizing bitcoin-backed dollar loans, you can bypass triggering a taxable event, plus your interest payments may even qualify for tax deductions. Through Ledn's Savings Account, you can accrue interest on both Bitcoin and USDC, enjoying the advantages of monthly compounding interest payments. Furthermore, you can withdraw part of your bitcoin from the Savings Account and use the B2X feature to effectively double your holdings, which allows you to increase your bitcoin ownership while securing a loan that matches the bitcoin purchased. Our collaboration with a leading institution in the field ensures that our retail clients benefit from superior deal flow and attractive risk-adjusted rates in the institutional lending market. Ledn adheres to Canadian Federal Laws, maintaining rigorous standards for consumer protection and safeguarding data privacy. Notably, Ledn does not engage in Initial Coin Offerings (ICOs), emphasizing a commitment to safe and trustworthy financial services. With Ledn, you are not merely investing; you are strategically enhancing your digital wealth, paving the way for greater financial freedom and opportunity.

Choise.com acts as a connector between centralized finance (CeFi) and decentralized finance (DeFi), delivering an all-inclusive cryptocurrency platform. Our service offers an ideal combination of these two financial worlds, facilitating seamless crypto purchases and trading, interest-earning accounts, and opportunities for generating passive income from your holdings. Additionally, users can tap into liquidity pools and explore numerous other resources designed to enrich their investment journeys, making it a versatile choice for all crypto enthusiasts.

Engage with our innovative tokenization platform designed specifically for creators and contributors to acquire, generate, or earn cryptocurrency. We provide a comprehensive solution that includes KYC/AML compliance, investor accreditation verification, a digital asset marketplace, and daily crypto earning opportunities, along with powerful blockchain APIs and SDKs. Our decentralized cloud wallet is compatible with Ethereum and supports a diverse range of nearly 3,000 ERC-20 tokens, ensuring seamless access across multiple devices through an easy-to-use and secure web interface. You can stay updated with real-time data, utilizing our dynamic platform to analyze the market for immediate purchases of both presale and non-presale assets. Enhance your financial growth by earning interest on the cryptocurrency stored in your CoinCircle wallet, or use your crypto holdings as collateral to secure loans. Take advantage of our interest program to maximize your assets' growth potential within the CoinCircle wallet and watch your investments flourish over time! With the assurance of our fully decentralized lending market, you can have confidence that your cryptocurrency remains safeguarded and secure while you explore new financial opportunities. Furthermore, the flexibility and accessibility of our platform empower users to navigate the crypto landscape with ease and confidence.

Participate in the discreet and secure buying and selling of Bitcoin for traditional fiat currencies or other cryptocurrencies using Bisq's decentralized peer-to-peer network and its open-source desktop application. You can dive into trading without any registration process, allowing you to begin in just minutes, bypassing the typical delays caused by central authority approvals. This global P2P platform connects users who run Bisq on their personal devices, which means that your assets are never held by Bisq itself. Your funds are safely kept in 2-of-2 multisig wallets, ensuring secure and successful transactions. Additionally, your information remains confidential, as it is stored locally on your device and not sent to any central server. Every Bisq node operates as a Tor hidden service by default, further enhancing user anonymity and privacy. The project's source code is available for public scrutiny, and community discussions surrounding its development take place on platforms like Keybase and GitHub. We have crafted this sophisticated system to be intuitive, enabling you to complete your first trade in under 10 minutes! With a governance model that reflects its decentralized ethos, Bisq is built on Bitcoin, emphasizing privacy, security, and the principle of freedom. Embrace a trading experience that empowers your autonomy and take the leap into a new era of cryptocurrency trading today!

POKKET is spearheaded by a team of elite professionals with expertise in finance, software, and web development, as we established the company to shape a future heavily influenced by digital assets. With over a century of combined experience, you can trust that your investments are managed by seasoned experts who excel at generating Bitcoin and have a thorough comprehension of how to invest cryptocurrency strategically for optimal financial outcomes. Our mission is to push the boundaries of the industry by developing innovative products that cater to the shifting demands of investors. Additionally, our crypto-saving solutions allow for straightforward calculations of potential earnings. You can rest easy, as there’s no need to worry about the volatility of cryptocurrency prices. Through the POKKET Straight Lending product, you can earn interest on your chosen assets, including BTC, ETH, BNB, SOL, AVAX, USDT, and USDC, based on your preferences. You have the option to accrue interest on your assets over a specified fixed period of either 14, 30, or 90 days, or you can choose a fully flexible arrangement that aligns with your financial strategy. This adaptability not only empowers you to manage your investments but also ensures they are tailored to meet your unique objectives and risk appetite. Ultimately, our commitment to innovation and client-centric solutions positions POKKET as a leader in the evolving landscape of digital finance.

Borrowing can be advantageous without the burden of monthly loan repayments. We create innovative open-source tools to enhance access to the Arkadiko protocol. By using your STX tokens as collateral, you can mint USDA, a stablecoin ideal for yield farming ventures. On the Arkadiko decentralized exchange, you can easily exchange your favorite tokens within the Stacks blockchain ecosystem. Furthermore, staking your DIKO tokens rewards you with stDIKO, which provides you with voting rights on governance matters. Engaging in the voting process enables you to impact proposals and modifications to the protocol, including changes to risk parameters related to various collateral types on Arkadiko. Functioning as a decentralized and transparent DAO, Arkadiko is dedicated to open development, making all its code available under GPLv3. By participating in the advancement of finance across the Stacks and Bitcoin networks, you can benefit from improved liquidity via a soft-pegged US Dollar stablecoin while still having exposure to your original assets. Your STX tokens will accrue yields that automatically offset the USDA loan over time, creating a smooth borrowing experience. This forward-thinking strategy not only maximizes your financial opportunities but also empowers you to influence the trajectory of decentralized finance while enjoying a user-friendly platform.

Inlock is a blockchain-based lending platform that enables users to use their crypto-assets as collateral for loans. Founded by a team dedicated to technological advancements in Fintech, Inlock strives to connect conventional finance with the emerging world of cryptocurrencies. As a fully independent FinTech entity, Inlock does not align itself with any major banks or credit institutions, which enhances its innovative approach to financial services. The platform represents a forward-thinking shift in how financial transactions can be conducted. Users can access cryptocurrency-backed loans instantly and benefit from attractive bonuses that yield significant interest returns. If you are looking for dependable profits in an unpredictable market, Inlock provides a lending service based on the USDC stablecoin, allowing for high returns on Bitcoin, Ethereum, Litecoin, and additional cryptocurrencies. You can lend your digital assets at a competitive annual interest rate of up to 8%, with the convenience of weekly payments and the potential for compound interest. By using Bitcoin, Ethereum, Litecoin, or a variety of other cryptocurrencies as collateral, users can quickly secure loans in stablecoins, facilitating a smooth financial process. Inlock distinguishes itself in the rapidly changing digital finance arena through its dedication to user satisfaction and innovative financial solutions, ensuring that clients have the best possible experience. This focus on innovation and user-centric services positions Inlock as a key player in the future of lending.

Matrixport makes it easier for individuals to access financial products related to cryptocurrency, allowing them to earn interest effortlessly. The platform provides a straightforward method to secure annualized interest rates of up to 30%, with a variety of options across multiple currencies and different timeframes. Users can benefit from an impressive APY of up to 6%, enjoy the convenience of withdrawing their funds whenever they wish, and take advantage of hourly compounding to enhance their earnings. At present, most investments are directed toward Matrixport's exclusive products, which include Collateralized Loans, Zero-interest Loans, Spot Leverage Products, and Credit Funding, among others. The platform employs varying security measures depending on the asset class, ensuring that users receive customized protection for their investments. In addition, Matrixport allows for commission-free spot trading, enabling users to borrow USDT or USDC for cryptocurrency purchases, reflecting a positive outlook on assets like BTC, ETH, BCH, and LTC. Moreover, users can borrow BTC, ETH, or BCH to sell, allowing them to capitalize on bearish trends in these cryptocurrencies. The approval process for loans is instantaneous, granting users immediate access to capital for their spending needs. With competitive interest rates, clients can significantly cut down on their financing expenses. The price index utilized by Matrixport is based on reliable exchanges and trustworthy platforms, ensuring that transactions are both fair and transparent. Furthermore, Matrixport is dedicated to continuous innovation and the expansion of its services, providing users with cutting-edge tools to enhance their cryptocurrency investment strategies. This commitment to improvement helps users stay ahead in the rapidly changing landscape of digital finance.

Tap into the advantages of high-yield stablecoin vaults and start earning interest immediately through decentralized finance (DeFi). You retain full sovereignty over your assets at all times while benefiting from dynamically adjusted top yields. We simplify the process by managing the intricacies, enabling you to access lucrative interest-generating prospects via yield farming easily. You can invest in Bitcoin, Ethereum, or digital dollars and exchange them for over 1,000 various tokens. Enjoy interest rates that can be 50 to 100 times higher than those offered by conventional banks. This application serves as your comprehensive resource for enhancing yield and generating real-time interest. Committed to advancing decentralization, Snowball will be available in regions not restricted by OFAC regulations. DeFi creates a pathway to global high-yield investment possibilities, offering USD-denominated digital asset accounts that accumulate interest in real-time. The Snowball Money dApp guarantees that you remain in control of your funds, regardless of where you are, with your account perpetually active and continuously yielding impressive returns on your digital assets. Don't miss your chance to be part of the DeFi revolution and unlock unprecedented financial empowerment. Engaging with this innovative platform can transform your approach to investing and managing your wealth.