Bitcoin (BTC) interest rates: staking, lending and yield farming
Every liquid DeFi pool that includes BTC: 38 pools across 19 protocols and 16 chains. Live APY with base/reward split, 30-day average and risk flags. Updated 2 h ago
3.06%
Best single-asset APY
3.06%
Best APY incl. pairs
0.16%
Median APY
$794.8M
Liquidity in BTC pools
15 / 38
Single-asset / all pools
Best single-asset option right now: 3.12% at Mezo Earn on Mezo ($62.1M TVL, 30d avg 3.06%), of which 3.10% is token rewards.
| Pool | APY | 30d avg | TVL ▾ | 30d | Risk | Chain | |
|---|---|---|---|---|---|---|---|
| BTC JustLend V1 | <0.01% base <0.01% | <0.01% | $503.7M | Single Stable/Up | Tron | Deposit ↗ | |
| BTC b14g | 0.12% base 0.12% | 0.11% | $179.9M | Single Stable/Up | Bitcoin | Deposit ↗ | |
| BTC Mezo Earn · Locked veBTC | 3.12% base 0.02% + reward 3.10% | 3.06% | $62.1M | Single Reward-heavy Down | Mezo | Deposit ↗ | |
| BTC Midas RWA · mHyperBTC | 1.36% base 1.36% | 1.66% | $22.4M | Single Stable/Up | Ethereum | Deposit ↗ | |
| BTC Chainflip AMM | 0.00% base 0.00% | 4.86% | $5.0M | — | Single | Bitcoin | Deposit ↗ |
| BTC Midas RWA · mHyperBTC | 1.36% base 1.36% | 1.66% | $4.5M | — | Single Stable/Up | Monad | Deposit ↗ |
| M-BTC Takara Lend | 0.00% base 0.00% | 0.00% | $3.4M | — | LP IL | Sei | Deposit ↗ |
| FUSDT-BTC-ETH Curve DEX | 0.00% base 0.00% | 0.00% | $3.0M | — | LP IL | Fantom | Deposit ↗ |
| BTC Chainflip Lending | 0.43% base 0.43% | 0.34% | $1.9M | — | Single Stable/Up | Bitcoin | Deposit ↗ |
| BTC-DFI DefiChain DEX | 0.00% base 0.00% | 0.00% | $1.8M | — | LP IL | Defichain | Deposit ↗ |
| BTC Liquidium · Asset chain: BTC | 0.01% base 0.01% | <0.01% | $1.2M | — | Single Stable/Up | Icp | Deposit ↗ |
| BTC-USDC GMX V2 Perps | 8.06% base 8.06% | 9.06% | $1.1M | — | LP IL Stable/Up | Avalanche | Deposit ↗ |
By protocol
- JustLend V1best <0.01% · 1 pools · $503.7M
- b14gbest 0.11% · 1 pools · $179.9M
- Mezo Earnbest 3.06% · 1 pools · $62.1M
- Midas RWAbest 1.36% · 2 pools · $26.8M
- Chainflip AMMbest 0.00% · 1 pools · $5.0M
- Takara Lendbest 0.00% · 1 pools · $3.4M
- Curve DEXbest 0.00% · 1 pools · $3.0M
- Chainflip Lendingbest 0.34% · 1 pools · $1.9M
- DefiChain DEXbest 0.00% · 1 pools · $1.8M
- Liquidiumbest <0.01% · 1 pools · $1.2M
By chain
- Tronbest <0.01% · 1 pools · $503.7M
- Bitcoinbest 0.34% · 3 pools · $186.8M
- Mezobest 3.06% · 1 pools · $62.1M
- Ethereumbest 1.36% · 1 pools · $22.4M
- Monadbest 1.36% · 1 pools · $4.5M
- Seibest 0.00% · 1 pools · $3.4M
- Fantombest 0.00% · 1 pools · $3.0M
- Defichainbest 0.00% · 1 pools · $1.8M
- Icpbest <0.01% · 1 pools · $1.2M
- Avalanchebest 8.06% · 1 pools · $1.1M
Earn BTC on centralised platforms hand-checked
| Platform | Product | Base APY | Max APY | Lock-up | Where | Checked | |
|---|---|---|---|---|---|---|---|
| NexoMax rate requires Platinum tier and payout in NEXO | Flexible | 3.00% | 7.00% | none / fixed term for max | Non-US | Sep 13, 2026 | Visit ↗ |
CeFi rates are checked by hand from the platforms’ own pages and can change without notice. “Max” usually needs a loyalty tier, a token holding or a lock-up. Custodial products carry counterparty risk.
Borrow BTC 2 markets
Top single-asset BTC pools by APY TVL ≥ $1M
- Mezo Earn Mezo · Locked veBTC3.12% · 30d 3.06% · $62.1M
- Midas RWA Ethereum · mHyperBTC1.36% · 30d 1.66% · $22.4M
- Midas RWA Monad · mHyperBTC1.36% · 30d 1.66% · $4.5M
- Chainflip Lending Bitcoin0.43% · 30d 0.34% · $1.9M
- b14g Bitcoin0.12% · 30d 0.11% · $179.9M
- Liquidium Icp · Asset chain: BTC0.01% · 30d <0.01% · $1.2M
- JustLend V1 Tron<0.01% · 30d <0.01% · $503.7M
- Chainflip AMM Bitcoin0.00% · 30d 4.86% · $5.0M
Paired with BTC
How to earn on BTC
Single-asset options (lending, staking, savings vaults) pay interest without exposing you to another token; your BTC balance grows and you can withdraw the same asset. Liquidity pairs earn trading fees plus rewards but hold BTC together with a second asset, so the value moves with both prices (impermanent loss). The “Single” chip marks the first kind.
Each row links to the protocol’s own deposit page. Check the chain first: the same protocol can pay different rates on Ethereum, Base or Arbitrum, and moving funds costs a bridge fee (see bridges). Rates refresh hourly; the 30-day average shows whether today’s number is typical.
Questions people ask
What is the best BTC APY right now?
The highest single-asset rate with at least $1M of liquidity is 3.12% at Mezo Earn on Mezo ($62.1M TVL). Rates are refreshed hourly; the 30-day average for that pool is 3.06%.
Where can I earn interest on BTC?
19 protocols currently list BTC pools. The largest by liquidity: JustLend V1 ($503.7M), b14g ($179.9M), Mezo Earn ($62.1M), Midas RWA ($26.8M), Chainflip AMM ($5.0M). Each row in the table links to the protocol’s deposit page.
Can I earn on BTC on a centralised exchange instead?
Yes. We list 1 CeFi products for BTC; the highest advertised rate is 7.00% at Nexo (base 3.00%). Custodial platforms remove smart-contract risk but add counterparty risk: the platform holds your coins.
Can I borrow BTC?
2 lending markets let you borrow BTC against collateral. See BTC borrow rates for the cheapest one.
Is BTC yield safe?
It depends on the pool. Single-asset lending and staking avoid impermanent loss; liquidity pairs do not. The median BTC rate across liquid pools is 0.16%; anything far above it usually carries reward-token risk or a very small market. Our methodology explains every column and flag.