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Best Crypto Staking Options 2026 2026

Staking is the process of locking cryptocurrencies on a Proof of Stake network to help validate transactions and receive rewards. APYData compares the best staking APYs on centralised exchanges like Binance, where you can stake SOL, DOT, ATOM and other cryptocurrencies with flexible or fixed-term options. A way to generate passive income on crypto assets you already hold.

20
Products compared
8.00%
Best APY available
4.16%
Average APY
# Entity Product APY Score Risk Liquidity View
1
Nexo
 Nexo DAI Savings 8.00% 5.5 High Instant View →
2
Binance
 Binance SPK Savings Flexible 5.83% 3.9 High Instant View →
3
Nexo
 Nexo USDT Savings 5.50% 4.8 High Instant View →
4
Nexo
 Nexo USDC Savings 5.50% 4.8 High Instant View →
5
Nexo
 EURC Savings 5.50% 4.8 High Instant View →
6
Binance
 Binance SOL Staking 120 días 5.50% 2.8 Medium Locked View →
7
Binance
 Binance USDC Savings Flexible 5.00% 5.9 Low Instant View →
8
Binance
 Binance ATOM Savings Flexible 4.93% 4.7 Medium Instant View →
9
Maple Finance
 Maple USDC Lending 4.45% 3.5 Medium Varies View →
10
Nexo
 Nexo SOL Savings 4.00% 4.4 High Instant View →
11
Maple Finance
 Maple USDT Lending 3.74% 3.3 Medium Varies View →
12
Ondo Finance
 Ondo USDY (Tokenized Treasuries) 3.55% 4.5 Low Varies View →
13
Binance
 Binance DOT Staking 120 días 3.25% 2.2 Medium Locked View →
14
Nexo
 Nexo ETH Savings 3.25% 4.2 High Instant View →
15
Binance
 Binance MORPHO Savings Flexible 3.04% 3.1 High Instant View →
16
Binance
 Binance USDT Savings Flexible 3.00% 5.4 Low Instant View →
17
Binance
 Binance ETH Staking 90 días 2.50% 2.0 Medium Locked View →
18
Binance
 Binance DOT Savings Flexible 2.41% 3.9 Medium Instant View →
19
Binance
 Binance SOL Savings Flexible 2.24% 3.9 Medium Instant View →
20
Nexo
 Nexo BTC Savings 2.00% 3.8 High Instant View →
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How staking works and what you need to know before starting

Cryptocurrency staking lets you generate passive income by holding assets on a Proof of Stake blockchain. Unlike bank deposits, staking has no capital guarantee: the main risk is not the staking mechanism itself, but the price volatility of the underlying asset.

Exchange staking vs native staking

Exchange staking (Binance, Kraken): you deposit your crypto on the platform and it handles the technical staking. Simplest option with better liquidity in flexible mode. Risk includes platform risk (centralised custody).

Native staking (directly on-chain): you connect your wallet directly to the blockchain. Maximum control and no centralised counterparty risk, but requires technical knowledge and higher minimums (32 ETH for native Ethereum staking).

Staking vs fixed-term deposit: the honest comparison

A bank deposit guarantees the APY regardless of market conditions and is protected up to €100,000 by the DGS. Staking can offer more than double the yield, but if the asset falls 30%, your net result will be negative. It makes sense as a complement for those who are already holding crypto long-term.

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Frequently asked questions
What is crypto staking?
Staking means locking cryptocurrencies on a Proof of Stake blockchain to validate transactions and receive rewards in the form of new coins. It is the main way to earn yield on assets like SOL, DOT or ATOM.
How much can you earn from staking in 2026?
Yields vary by asset and platform. In 2026: Binance DOT 120-day 6.5%, Binance ATOM flexible 5.77%, Binance SOL 120-day 5%. Rates change with network participation and market conditions.
What are the risks of staking?
Main risks: underlying asset volatility (SOL or DOT prices can fall), platform risk (trusting exchanges with your assets), and for fixed-term staking, loss of liquidity during the lock-up period.
Flexible vs fixed-term staking?
Flexible staking lets you withdraw at any time but offers a lower APY. Fixed-term staking (30, 60, 120 days) locks your assets for higher returns. Flexible staking is recommended for beginners.