Understanding Bitcoin Yield
Unlike Ethereum or Solana, Bitcoin uses Proof of Work - there's no native staking. So where does Bitcoin interest come from? It comes from lending your BTC to traders/institutions, structured products like Dual Investment, or newer liquid staking protocols that use BTC to secure other networks.
Key Insight
Bitcoin yield is typically 1-4% APY for safe options, compared to 4-18% for PoS coins like ETH, SOL, or ATOM. This is because BTC yield comes from lending demand, not from securing the network.
Bitcoin Interest Options at a Glance
| Method | APY | Risk | Liquidity | Complexity |
|---|---|---|---|---|
| CEX Flexible Savings | 1-2% | Low | High | Easy |
| CEX Locked Savings | 2-4% | Low | Low | Easy |
| Dual Investment | 30-100%+ | High | Low | Advanced |
| DeFi Lending (WBTC) | 0.5-1% | Medium | High | Medium |
| BTC Liquid Staking | 2-4% | Medium | High | Medium |
Bitcoin Interest Calculator
Calculate potential earnings on your BTC
Value: $95,000
APY
1.5%
Monthly (BTC)
0.001250
$118.75
Yearly (BTC)
0.01500
$1425.00
Risk Level
LowWays to Earn Interest on Bitcoin
Detailed breakdown of each option, from safest to highest yield
Simple Earn Flexible
Binance | CEX
Deposit BTC and earn daily rewards with no lock-up. Withdraw anytime. The safest way to earn on BTC.
Pros
- No lock-up period
- Trusted platform
- Easy to use
- Instant withdrawal
Cons
- Lower APY
- Custodial risk
- Rates fluctuate
Simple Earn Locked
Binance | CEX
Lock your BTC for a fixed period to earn higher interest. Choose from 30, 60, 90, or 120 day terms.
Pros
- Higher APY than flexible
- Predictable returns
- No smart contract risk
Cons
- Funds locked
- Early withdrawal forfeits rewards
- Still lower than altcoin APY
Simple Earn
OKX | CEX
Similar to Binance Simple Earn. Deposit BTC and earn interest with flexible or locked options.
Pros
- Competitive rates
- Trusted exchange
- Multiple term options
Cons
- Lower APY than altcoins
- Custodial risk
Dual Investment
Binance | CEX
High-yield structured product. Sell High: deposit BTC and potentially sell at target price. Either way, earn high APY.
Pros
- Very high APY
- Short duration
- Earn regardless of outcome
Cons
- May lose BTC if price moons
- Complex product
- High risk
WBTC Lending
Aave | DEFI
Wrap BTC to WBTC and supply on Aave. Earn interest from borrowers. Can be used as collateral.
Pros
- Non-custodial
- Use as collateral
- No lock-up
Cons
- Very low APY
- Smart contract risk
- Wrapping fees
LBTC Liquid Staking
Lombard | DEFI
Bitcoin liquid staking via Babylon. Get LBTC while your BTC secures other networks. Use LBTC in DeFi.
Pros
- True BTC staking yield
- Liquid token (LBTC)
- Use in DeFi
Cons
- Newer protocol
- Complex infrastructure
- Smart contract risk
Our Recommendations
Safety First
Use Binance Simple Earn Flexible for the safest BTC yield. Low APY (1-2%) but instant liquidity and minimal risk.
Best for: Long-term HODLers
Balanced
Use Binance Locked Savings (30-90 days) for 2-4% APY. Higher yield with low risk, but funds are locked.
Best for: Patient investors
Maximum Yield
Try Dual Investment for 50%+ APY. High risk - only use if you're okay with potentially selling your BTC.
Best for: Advanced traders
How to Start Earning on Binance
Create Account with Discount
Sign up on Binance with code TRADEOFF20 for 20% off trading fees.
Deposit or Buy Bitcoin
Transfer BTC to your Binance Spot wallet or buy directly with fiat.
Go to Earn Section
Navigate to Earn > Simple Earn in the Binance menu.
Choose Your Product
Select Flexible (instant access) or Locked (higher APY) for BTC.
Subscribe and Earn
Enter your amount and confirm. Interest accrues daily.
Frequently Asked Questions
Start Earning on Your Bitcoin Today
Put your BTC to work with Binance Simple Earn. Use code TRADEOFF20 for 20% off trading fees.
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