.png "Nexo vs. Clapp vs. Ledn: BTC Savings Accounts Compared")
Nexo vs. Clapp vs. Ledn: BTC Savings Accounts Compared
Feature
Clapp
Nexo
Ledn
Interest Type
Daily accrual
Monthly
Monthly
APY Style
Fixed, transparent
Tiered, conditional
Conservative, transparent
Liquidity
Instant access, no lock-ups
Varies; higher rates require lock-ins
Flexible but conservative
Asset Coverage
BTC, USDT, USDC, EUR
BTC, ETH, stablecoins, other tokens
BTC, USDC
Rate Transparency
Clearly displayed in app
Complex; depends on staking/lock-ins
Clear, documented
Custodial Model
Regulated EU VASP; Fireblocks custody
Centralized custodial
Centralized, proof-of-reserves
Risk Profile
Medium (regulated, liquid)
Medium-High (conditional yield)
Low-Medium (conservative lending)
Best For
Users seeking daily interest with full liquidity
Yield seekers comfortable with lock-ins/tiers
Conservative BTC holders wanting transparent yield
Minimum Deposit
Low (typically small entry)
Moderate (varies by tier)
Moderate
Choosing the Right BTC Savings Account
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Choose Clapp if you want daily interest, full liquidity, and a clean, transparent rate structure without lock-ups or token-based incentives.
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Choose Nexo if you are comfortable with a loyalty-tier model, are willing to stake or lock BTC for higher rates, and understand the trade-offs.
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Choose Ledn if you prefer a conservative, transparent yield backed by collateralized lending and regular attestations, even if the APY is modest.
Each provider serves a different type of holder. The best choice depends on whether you prioritize flexibility, yield potential, or risk and transparency.
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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