Best Crypto Savings Accounts for 2026: Where to Earn the Highest APY on Your Crypto Holdings
Interest is credited every day. You can withdraw or convert your assets at any time without penalties.Clapp offers a clear, fixed APY for each asset—currently 5.2% for stablecoins and EUR—with no tiers or conditions.All assets remain accessible 24/7. Interest is not reduced when funds are moved.SEPA Instant deposits allow users to earn yield on EUR immediately, bridging traditional and digital finance.Registered as a VASP in the Czech Republic and secured by Fireblocks custody.Often higher than competitors due to more aggressive lending and structured products.Includes Turbocharge, MultiHODL, and other leveraged tools for advanced users.Flexible accounts for major assets including BTC, USDT, and stablecoins.Hold, trade, or convert between assets and earn on popular cryptocurrencies.APYs are clearly listed for supported tokens.Useful for users who regularly convert between crypto and fiat.Loans are fully collateralized, reducing the risks associated with unsecured lending.Suitable for Bitcoin users who want predictable yield without interacting with altcoins or DeFi products.Ledn publishes attestations to confirm customer funds are accounted for.
Feature
Clapp
YouHodler
Uphold
Ledn
APY Style
Fixed, transparent rates (e.g., 5.2% on stablecoins & EUR)
Highest potential yields; varies by product
Moderate yields
Conservative yields
Interest Frequency
Daily payouts
Weekly/monthly depending on asset
Varies
Monthly
Lock-Ups
None
Some products require lock-ups
Usually flexible
Some accounts require fixed terms
Liquidity
Instant withdrawals; no rate reduction
Flexible, but advanced products may limit
Good, depending on asset
Predictable but limited to BTC/USDC
Assets Supported
BTC, USDT, USDC, EUR
Broad list of crypto assets
Multi-asset (crypto, metals, fiat)
BTC and USDC
Security
EU-licensed VASP; Fireblocks custody
Centralized custody, risk varies
Centralized custody
Proof-of-reserves attestations
Complexity
Very low; simple savings
Medium to high; leveraged features
Low; part of a broader platform
Low; straightforward model
Conclusion: Which Crypto Savings Account Is Best in 2026?
Each platform serves a different type of user:
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Clapp is the strongest choice for users who want simple, flexible savings, daily interest, transparent yields, and regulated custody.
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YouHodler fits users seeking high APYs and advanced features, accepting higher risk.
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Uphold appeals to those who want one platform for trading, payments, and moderate yield.
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Ledn suits users looking for a conservative BTC- and USDC-focused savings account backed by proof-of-reserves transparency.
For most users seeking dependable passive income without friction or lock-ups, Clapp Flexible Savings provides the clearest balance of accessibility, security, and yield.
Disclaimer: This article is provided for informational purposes only. It is not offered or intended to be used as legal, tax, investment, financial, or other advice.
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