Check here to find the latest rates for interest-earning accounts and loans. Please note that crypto interest rates, withdrawal limits, and fees are subject to change.
BlockFi Interest Account (BIA)
BlockFi Interest Account clients can earn interest in crypto. Paid out at the beginning of every month, the crypto interest earned by account holders compounds, increasing the Annual Percentage Yield (APY)* for our clients. BlockFi uses a tiered Interest Structure. Rates are effective August 1, 2022.
BlockFi Interest Accounts (BIAs) have not been registered under the Securities Act of 1933 and may not be offered or sold in the United States, to U.S. persons, for the account or benefit of a U.S. person or in any jurisdiction in which such offer would be prohibited.
US Rates
| Currency | Amount | APY* |
|---|---|---|
| BTC (Tier 1) | 0 – 0.1 BTC | 3.50% |
| BTC (Tier 2) | 0.1 – 0.35 BTC | 2.00% |
| BTC (Tier 3) | >0.35 BTC | 2.00% |
| ETH (Tier 1) | 0 – 1.5 ETH | 3.50% |
| ETH (Tier 2) | 1.5 – 5 ETH | 2.00% |
| ETH (Tier 3) | >5 ETH | 2.00% |
| DOGE | No Limit | 2.00% |
| LTC (Tier 1) | 0 – 20 LTC | 2.00% |
| LTC (Tier 2) | 20 – 100 LTC | 1.00% |
| LTC (Tier 3) | >100 LTC | 0.10% |
| UNI (Tier 1) | 0 – 100 UNI | 1.00% |
| UNI (Tier 2) | 100 – 500 UNI | 0.20% |
| UNI (Tier 3) | >500 UNI | 0.10% |
| LINK (Tier 1) | 0 – 100 LINK | 1.00% |
| LINK (Tier 2) | 100 – 500 LINK | 0.20% |
| LINK (Tier 3) | >500 LINK | 0.10% |
| ALGO | No Limit | 2.50% |
| BCH | No Limit | 3.00% |
| BAT (Tier 1) | 0 – 4000 BAT | 1.00% |
| BAT (Tier 2) | 4000 – 20000 BAT | 0.20% |
| BAT (Tier 3) | >20000 BAT | 0.10% |
| PAXG (Tier 1) | 0 – 1.5 PAXG | 1.00% |
| PAXG (Tier 2) | 1.5 – 5 PAXG | 0.20% |
| PAXG (Tier 3) | >5 PAXG | 0.10% |
| USDC (Tier 1) | 0 – 20000 USDC | 7.50% |
| USDC (Tier 2) | 20000 – 2000000 USDC | 6.00% |
| USDC (Tier 3) | >2000000 USDC | 6.00% |
| BUSD (Tier 1) | 0 – 20000 BUSD | 7.50% |
| BUSD (Tier 2) | 20000 – 2000000 BUSD | 6.00% |
| BUSD (Tier 3) | >2000000 BUSD | 6.00% |
| DAI (Tier 1) | 0 – 20000 DAI | 6.00% |
| DAI (Tier 2) | 20000 – 2000000 DAI | 4.00% |
| DAI (Tier 3) | >2000000 DAI | 3.50% |
| PAX (Tier 1) | 0 – 20000 PAX | 7.50% |
| PAX (Tier 2) | 20000 – 2000000 PAX | 6.00% |
| PAX (Tier 3) | >2000000 PAX | 6.00% |
| GUSD (Tier 1) | 0 – 20000 GUSD | 7.50% |
| GUSD (Tier 2) | 20000 – 2000000 GUSD | 6.00% |
| GUSD (Tier 3) | >2000000 GUSD | 6.00% |
International Rates
| Currency | Amount | APY* |
|---|---|---|
| BTC (Tier 1) | 0 – 0.1 BTC | 3.50% |
| BTC (Tier 2) | 0.1 – 0.35 BTC | 2.50% |
| BTC (Tier 3) | >0.35 BTC | 2.50% |
| ETH (Tier 1) | 0 – 1.5 ETH | 3.50% |
| ETH (Tier 2) | 1.5 – 5 ETH | 2.00% |
| ETH (Tier 3) | >5 ETH | 2.00% |
| BNB | No Limit | 3.00% |
| ADA | No Limit | 5.00% |
| SOL | No Limit | 5.00% |
| DOT | No Limit | 10.00% |
| DOGE | No Limit | 2.00% |
| AVAX | No Limit | 5.00% |
| MATIC | No Limit | 5.00% |
| FTT | No Limit | 3.00% |
| ATOM | No Limit | 7.00% |
| LTC (Tier 1) | 0 – 20 LTC | 2.00% |
| LTC (Tier 2) | 20 – 100 LTC | 1.00% |
| LTC (Tier 3) | >100 LTC | 0.10% |
| LINK (Tier 1) | 0 – 100 LINK | 1.00% |
| LINK (Tier 2) | 100 – 500 LINK | 0.20% |
| LINK (Tier 3) | >500 LINK | 0.10% |
| NEAR | No Limit | 7.00% |
| ALGO | No Limit | 2.50% |
| TRX | No Limit | 6.00% |
| BCH | No Limit | 3.00% |
| FTM | No Limit | 3.00% |
| UNI (Tier 1) | 0 – 100 UNI | 3.00% |
| UNI (Tier 2) | 100 – 500 UNI | 2.00% |
| UNI (Tier 3) | >500 UNI | 2.00% |
| MANA | No Limit | 3.00% |
| AXS | No Limit | 3.00% |
| SAND | No Limit | 3.00% |
| FIL | No Limit | 2.00% |
| EOS | No Limit | 3.00% |
| HBAR | No Limit | 3.00% |
| XTZ | No Limit | 3.00% |
| AAVE | No Limit | 3.00% |
| MKR | No Limit | 3.00% |
| GALA | No Limit | 3.00% |
| LRC | No Limit | 3.00% |
| GRT | No Limit | 5.00% |
| BAT (Tier 1) | 0 – 4000 BAT | 1.00% |
| BAT (Tier 2) | 4000 – 20000 BAT | 0.20% |
| BAT (Tier 3) | >20000 BAT | 0.10% |
| CHZ | No Limit | 3.00% |
| CRV | No Limit | 3.00% |
| 1INCH | No Limit | 3.00% |
| OMG | No Limit | 3.00% |
| ENJ | No Limit | 3.00% |
| COMP | No Limit | 3.00% |
| YFI | No Limit | 3.00% |
| SRM | No Limit | 3.00% |
| SUSHI | No Limit | 3.00% |
| USDT (Tier 1) | 0 – 20000 USDT | 8.75% |
| USDT (Tier 2) | 20000 – 5000000 USDT | 8.00% |
| USDT (Tier 3) | >5000000 USDT | 8.00% |
| USDC (Tier 1) | 0 – 20000 USDC | 8.50% |
| USDC (Tier 2) | 20000 – 2000000 USDC | 7.50% |
| USDC (Tier 3) | >2000000 USDC | 7.50% |
| BUSD (Tier 1) | 0 – 20000 BUSD | 8.50% |
| BUSD (Tier 2) | 20000 – 2000000 BUSD | 7.50% |
| BUSD (Tier 3) | >2000000 BUSD | 7.50% |
| DAI (Tier 1) | 0 – 20000 DAI | 6.00% |
| DAI (Tier 2) | 20000 – 2000000 DAI | 4.00% |
| DAI (Tier 3) | >2000000 DAI | 3.50% |
| PAXG (Tier 1) | 0 – 1.5 PAXG | 1.00% |
| PAXG (Tier 2) | 1.5 – 5 PAXG | 0.20% |
| PAXG (Tier 3) | >5 PAXG | 0.10% |
| GUSD (Tier 1) | 0 – 20000 GUSD | 8.50% |
| GUSD (Tier 2) | 20000 – 2000000 GUSD | 7.50% |
| GUSD (Tier 3) | >2000000 GUSD | 7.50% |
| PAX (Tier 1) | 0 – 20000 PAX | 8.50% |
| PAX (Tier 2) | 20000 – 2000000 PAX | 7.50% |
| PAX (Tier 3) | >2000000 PAX | 7.50% |
* APYs reflect effective yield based on monthly compounding. Actual yield will vary based on account activity and compliance with BlockFi’s terms and conditions. Rates are largely dictated by market conditions, which are a key factor in a company’s ability to provide its clients yield on their crypto assets. For more information, please see our Terms of Service. Rates are subject to change. BlockFi will communicate any rate changes prior to these changes taking effect. Digital currency is not legal tender, is not backed by the government, and the BlockFi Interest Account (BIA) is not a bank account nor a brokerage account, and is not subject to FDIC or SIPC protections.
As of February 14, 2022, BlockFi Interest Accounts (BIAs) are no longer available to new clients who are “U.S. persons” or persons located in the United States and existing U.S. clients will be unable to transfer new assets to their BIAs.