Holding crypto that just sits in your wallet? With the Trade Lend Earn program you put BTC, ETH and other coins to work — earning daily interest that is paid in the same asset and reinvested automatically. Here is how it works.
Key takeaways
- You deposit a supported crypto asset and earn daily interest — paid in the same asset and reinvested automatically.
- Flexible 2.5% p.a. (withdraw any time) or fixed 3% p.a., guaranteed for the first year.
- Your assets remain yours and can be withdrawn on request.
What is the Earn program?
The Earn program is a simple way to generate a return on the crypto you hold. Instead of leaving your coins idle, you deposit them and earn ongoing interest. Earn is available for BTC, ETH, SOL, XRP, BNB and LTC. You choose an amount and a term, and your balance earns from day one.
The estimate refers to the fiat value
Your interest is credited in the respective crypto asset. So you can gauge the value, we also show the projected earnings as a US-dollar figure. That figure depends on the current price and can fluctuate.Flexible or fixed: the rates
With the Earn program you choose between two plans:
- Flexible – 2.5% p.a.: no fixed term, variable rate. You can withdraw your assets at any time on request.
- Fixed – 3.0% p.a.: the rate is guaranteed for the first 12 months. After that it is adjusted to fair, market-standard conditions.
Remember
The fixed plan gives you certainty in the first year at a guaranteed rate. The flexible plan gives you maximum availability. Both pay out daily.Daily interest and compounding
Interest accrues daily — not just at the end of the month or year. Each credit is reinvested automatically and increases your interest-earning balance. That means earned interest itself earns interest: the compounding effect. Over a year, the actual return is therefore slightly above the nominal rate.
Paid in the respective asset
Deposit BTC and you earn interest in BTC; deposit ETH and you earn in ETH. So you accumulate more of the asset you already believe in. You can see the fiat equivalent transparently at any time in the Earn calculator.
Worked example
The table below shows the approximate fiat value after one year with daily compounding. The figures are estimates; payout is made in the respective asset.
| Deposit (fiat value) | Plan | After 1 year (approx.) |
|---|---|---|
| $10,000 | Flexible 2.5% | ≈ $10,253 |
| $10,000 | Fixed 3.0% | ≈ $10,305 |
| $50,000 | Fixed 3.0% | ≈ $51,523 |
| $100,000 | Fixed 3.0% | ≈ $103,045 |
Are my assets safe?
Your deposited assets remain yours and can be withdrawn on request. We apply institutional-grade custody architecture and operational security practices.
Clear and honest
Interest is paid out daily. In exceptional cases interest crediting may be temporarily suspended — your assets, however, are unaffected, safe and withdrawable at any time.Earn vs. just holding
| Criterion | Just holding | Earn program |
|---|---|---|
| Return | None — the coins sit idle. | Daily interest, in the same asset, reinvested. |
| Availability | Any time. | Flexible any time; fixed with a guaranteed rate in year one. |
| Price risk | Yes, the price fluctuates. | Yes — the asset price risk remains. |
| Effort | None. | Deposit once, the rest runs automatically. |
How to start
Model your potential return free and without an account in the Earn calculator. To open a position, sign in to the portal. If you want liquidity without selling rather than a return, a crypto loan may be the better fit.
Frequently asked questions
Yes. Interest accrues daily and is credited in the same asset you deposited. It is reinvested automatically, so your balance compounds.
Always the same asset as your deposit. If you deposit BTC, you earn interest in BTC. The amount shown in the calculator is an estimate of the fiat (USD) value and depends on the current price.
Yes, on request. The flexible plan has no lock-up, and your deposited assets remain yours at all times. In exceptional cases interest crediting may be temporarily suspended — your assets are unaffected and remain withdrawable.
Payouts are made in the respective crypto asset. To give you a sense of the value, we also show the projected earnings as a fiat (USD) figure. That value moves with the asset price.
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This article is for general information only and does not constitute investment, legal or tax advice. Crypto loans carry risks, including price fluctuations of the collateral.