Gemini Earn®

Put your crypto balance to work. With Gemini Earn, you can receive up to 8.05% APY on your cryptocurrency, including stablecoins.¹
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Gemini Earn

Earn interest on your crypto

Once you open an account, you can purchase any amount of cryptocurrency and immediately opt-in to Gemini Earn to start earning interest on your balance.

Unlike other opportunities to earn interest on your cryptocurrency, you can redeem and move your cryptocurrency back to your trading account (plus interest) at any time!

Gemini Earn

Interest compounded daily up to 8.05% APY.

Earn interest every single day. Deposit and receive more than 110x the average national interest rate², among the highest rates on the market.

World-class security.

We implement industry-leading security protocols across our platform on par with top financial institutions.

Redeem your assets at any time. No hidden fees.

Withdraw your assets instantly.³ We offer more flexibility than other yield-generating cryptocurrency investments. No minimums, and no transfer or withdrawal fees.

Available in all U.S. states and Singapore.

No other cryptocurrency exchange or financial institution offers the opportunity for users to earn interest on cryptocurrency in every state, including New York.

Earn on stablecoins.

Gemini Earn supports stablecoins like Gemini dollar (GUSD) and Dai⁴. Stablecoins provide a way to earn interest while holding a cryptocurrency that is pegged to the U.S. dollar to minimize price volatility. Learn more about using GUSD in Earn.

Calculate your crypto earnings

Enter an amount, pick a cryptocurrency, and select a time frame to find out how much interest you can earn.

USD

approx. 10000.00000 GUSD

GUSD

Gemini dollar

8.05% APY

Annual Percentage Yield (APY) as of September 22, 2021. APY may change at any time before or after account is opened. This calculator is for illustrative purposes only and may not apply to your individual circumstances. Calculated values assume that principal and interest remain on deposit and are rounded to the nearest dollar. All APY’s are subject to change.

Projected 2 year interest

$1,674.80

Calculated based on the current GUSD price of $1.00

Annual Percentage Yield (APY) as of September 22, 2021. APY may change at any time before or after account is opened. This calculator is for illustrative purposes only and may not apply to your individual circumstances. Calculated values assume that principal and interest remain on deposit and are rounded to the nearest dollar. All APY’s are subject to change.

Get started

Buy, sell, store, spend, and earn cryptocurrency all through one platform.
Click the 'Earn interest' tab

1.

Download the Gemini Mobile App or log into the Gemini Exchange in your web browser. Click the “Earn” tab.

  1. Download the Gemini Mobile App or log into the Gemini Exchange in your web browser. Click the “Earn” tab.

  2. Select a crypto to earn interest on and press “Earn.”

  3. Select how much and how often you’d like to move funds to Gemini Earn.

  4. Confirm the transfer and start earning interest!

How Earn Works

Gemini Earn pays a higher interest rate than most existing options to earn interest on cryptocurrency.
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On the Gemini platform, customers can view their combined trading balance and Earn balance, as well as the interest they’ve earned. Interest is paid daily and will start at 4pm ET on the next business day after funds are moved to Gemini Earn.

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Gemini is partnering with accredited third party borrowers including Genesis, who are vetted through a risk management framework which reviews our partners’ collateralization management process. Additionally, on a periodic basis we will conduct an analysis of our partners’ cash flow, balance sheet, and financial statements to ensure the appropriate risk ratios and healthy financial condition of our partners.

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Gemini notifies customers when interest payments hit their accounts, and users can check balances in real time. Gemini will continue to add high-quality partners in order to ensure competitive rates and allow you to diversify your borrowers.

Interest rates

Rates may increase or decrease in the future.

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APY

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Frequently asked questions

1 Depending on availability. Gemini Earn is a lending program through which you may choose to lend your cryptocurrency to certain institutional borrowers. Gemini, as your custodian and agent, will offer you lending opportunities when and if available. While we expect sufficient borrower capacity for all interested Gemini customers, we cannot guarantee demand for particular cryptocurrencies or at particular rates.
2 As of 05/20/2021
3 Loans you make through Gemini Earn may be called back by you at any time. Most withdrawal requests will be funded immediately after you call back your funds. Under some conditions, it may take up to five (5) business days from the date you call back a loan for your funds to be available for withdrawal.
4 Earn currently supports GUSD for U.S. users only.