Crypto platforms allow you to earn yield on your cryptocurrencies through staking, lending or savings products. APYs can be significantly higher than traditional banking products, though they carry greater risk with no deposit guarantee. APYData compares the main centralised platforms and DeFi protocols so you can choose with full information.
| # | Entity | Product | APY | Score | Risk | Liquidity | View |
|---|---|---|---|---|---|---|---|
| 1 |
Kraken
|
Kraken FLOWH Staking | 22.25% | 5.5 | Medium | — | View → |
| 2 |
Kraken
|
Kraken MINA Staking | 11.21% | 4.0 | Medium | — | View → |
| 3 |
Kraken
|
Kraken DYM Staking | 11.20% | 4.0 | Medium | — | View → |
| 4 |
Kraken
|
Kraken SCRT Staking | 9.76% | 3.8 | Medium | — | View → |
| 5 |
Kraken
|
Kraken ATOM Staking | 8.70% | 2.6 | High | — | View → |
| 6 |
Kraken
|
Kraken KSM Staking | 7.88% | 3.5 | Medium | — | View → |
| 7 |
Marinade Liquid Staking
|
Marinade Liquid Staking MSOL | 7.04% | 2.4 | High | variable | View → |
| 8 |
Binance
|
Binance SPK Savings Flexible | 6.38% | 3.1 | High | Instant | View → |
| 9 |
Kraken
|
Kraken TAO Staking | 6.06% | 3.3 | Medium | — | View → |
| 10 |
Jupiter Staked Sol
|
Jupiter Staked Sol JUPSOL | 5.64% | 2.2 | High | variable | View → |
| 11 |
Fluid
|
Fluid — USDC Supply (Ethereum) | 5.58% | 4.0 | Medium | Instant | View → |
| 12 |
Binance
|
Binance SOL Staking 120 días | 5.50% | 2.0 | Medium | Locked | View → |
| 13 |
Morpho
|
Gauntlet USDC Prime (Base) | 5.46% | 3.0 | High | Instant | View → |
| 14 |
Jito Liquid Staking
|
Jito Liquid Staking JITOSOL | 5.45% | 2.2 | High | variable | View → |
| 15 |
Kraken
|
Kraken GRT Staking | 5.28% | 3.2 | Medium | — | View → |
| 16 |
Moonwell
|
Moonwell — USDC Supply (Base) | 5.23% | 4.0 | Medium | Instant | View → |
| 17 |
Binance
|
Binance DOT Staking 120 días | 5.20% | 2.0 | Medium | Locked | View → |
| 18 |
Binance Staked Sol
|
Binance Staked Sol BNSOL | 5.18% | 3.2 | Medium | variable | View → |
| 19 |
Morpho
|
Morpho Steakhouse USDC (Base) | 5.17% | 4.0 | Medium | Instant | View → |
| 20 |
Kraken
|
Kraken KAVA Staking | 5.15% | 3.1 | Medium | — | View → |
The crypto yield market has changed dramatically since 2022. The bankruptcy of Celsius, BlockFi, and the collapse of Terra/Luna eliminated platforms with tens of billions in assets. What remains in 2026 are more robust models: native staking, audited DeFi protocols, and CeFi platforms with greater transparency and regulation.
Native staking (ETH, SOL, ADA, DOT): You lock assets on the blockchain network to contribute to its security and receive network rewards. It is the most transparent model—the yield comes directly from the protocol. The risks are technical (slashing) and asset price, not counterparty.
DeFi (Aave, Lido, Morpho): decentralized protocols where you lend assets to other users or participate in network security. The main risk is the smart contract. The best protocols have been audited for years and have a TVL of over $500 million.
CeFi (Nexo, Binance Earn): centralized platforms that act as intermediaries. Easier to use, but with counterparty risk. After 2022, the survivors have improved their transparency.
A 15% return on Bitcoin should immediately raise the question: who pays that 15% and why? Sustainable returns on assets such as BTC or ETH rarely exceed 5-6% because the demand for loans has natural limits. Returns well above that almost always imply hidden risk or inflationary issuance of a token that will lose value.
For investors who want exposure to crypto yields without price risk, stablecoins (USDC, USDT, USDS) in top-tier DeFi protocols offer 3-5% in 2026. Aave and Morpho are the benchmarks. Price risk is minimal — the main risk is the smart contract.
For a conservative investor, 0-5% of total assets in crypto is reasonable as diversification exposure. For investors with higher risk tolerance, up to 20%. In no case does it make sense to have more in crypto than in safe assets if the time horizon is less than 5 years.
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