Home | Crypto News | Here’s a list of the best crypto savings options for 2022

Here’s a list of the best crypto savings options for 2022

Table of Contents

Crypto Savings Options

The past couple of years have seen an increasing number of investors turn towards cryptocurrencies in order to maximize their savings. This is because, when compared with traditional financial avenues — such as savings accounts, fixed/recurring deposits — digital assets are able to deliver much higher annual percentage yields (APYs).

To put things into perspective, as things stand, prominent financial institutions such as Citibank, Goldman Sachs, HSBC offer yearly interest yields of just 0.6%, 0.5% and 0.05% respectively. These numbers don’t even come close to the returns offered by most crypto savings platforms that tend to offer APYs ranging anywhere between 5%-15%. In this article, we will seek to list out some of the best crypto savings options available in the market today. So, without any further ado, let’s jump straight into the heart of the matter.



Although a relatively new player within the global digital asset landscape, Bit.com has quickly transformed into one of the most formidable forces on the scene today. The platform, which is best described as a full-suite cryptocurrency exchange, recently launched a savings product called ‘EARN’, available on an app, where clients have the ability to earn an annualized yield ratio. 80% APY is available for new and existing users who have not traded futures before the 10th of May, 2022. At the moment only USDT is available for 80% APY savings. But you can easily trade with other cryptocurrencies on their spot market if you don’t have USDT.

Some of the assets that users can earn interest on include Bitcoin, Tether, Ethereum, Chainlink, Bitcoin Cash, and USD Coin, amongst others. It is worth mentioning that the savings product seeks to satisfy Bit.com’s mission of fostering financial innovation and inclusion at a global level. Lastly, at the time of writing, the platform offers its users a host of unique tools including a trading strategy execution/price discovery module, liquidity provision service, etc.


Crypto Cash

Europe-based crypto asset ecosystem YouHodler has quickly become a go-to option for many investors thanks, in large part, to the fact that the platform offers extremely high compound interest rates of up to 12% on a total of 25 cryptocurrencies. However, much like most other applications of a similar nature, YouHodler’s highest returns are offered on stablecoins. 

That said, the platform also allows users to stake a range of popular crypto tokens including Bitcoin, Chainlink, Ethereum, etc. An underrated aspect of the app is that it does not require users to lock-up their cryptos for a fixed length of time, thus allowing for a high degree of financial, operational and functional flexibility.



The last couple of years have seen Crypto.com gain an increasing amount of mainstream notoriety, thanks, in large part, to the company’s growing list of partnerships with companies such as the Formula 1, UFC, FIFA, etc.

The platform offers savings accounts relating to more than 50 cryptocurrencies, including various up and coming altcoins. Although the APYs can range quite massively from token to token, assets like USDC, Polkadot, Polygon currently offer interest rates of 8%, 12.5% and 12% respectively.


One of the most widely used savings aggregators in the market today, BlockFi affords users the ability to earn interests using their crypto holdings quite seamlessly. To elaborate, the platform offers savings accounts on a total of 10 popular stablecoins such as  USDC, PAX, Tether, DAI, amongst others. Furthermore, users can also stake their Bitcoin, Etheruem, Litecoin to accrue steady rewards, however, the APYs offered on these assets is substantially lesser than their stablecoin counterparts.



Much like BlockFi, Celsius too is a highly lucrative crypto lending platform. Helmed by Alex Machinsky, the man responsible for giving the world VoIP technology, the platform has already been able to accrue a capital pool in excess of $200 million dollars while boasting of approximately 50,000 active addresses. 

And, while the project is quite centralized in overall design, it does offer decent interest rates on various stablecoins and cryptocurrencies such as Bitcoin, Ethereum, USDC, PAX, and others.  Lastly, the platform allows users to accrue weekly interest as well as a chance to increase their returns for simply accepting their interest in the form CEL, Celsius’s native digital token.

Table of Contents


Hot Stories


Unlock the Power of Crypto!

Get the most important crypto news, price predictions, and expert insights delivered to your inbox.