Earn interest on crypto with Gemini Earn®

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

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Gemini Earn

How to earn interest on crypto

It’s simple. Once you open a Gemini account, you can purchase any amount of cryptocurrency and immediately transfer it to Gemini Earn to start earning interest on your holdings. Click here to calculate your interest.

Unlike other opportunities to earn interest on your crypto holdings, you can redeem and move your cryptocurrency back to your trading account (plus interest) at any time, with no minimums, and no transfer or redemption fees

Gemini Earn

Why choose Gemini?

Gemini is one of the safest cryptocurrency exchanges where you can buy, sell, store, and earn interest on bitcoin and other cryptocurrencies.

Industry-leading security

Gemini is a New York trust company regulated by the New York State Department of Financial Services (NYSDFS). We are subject to the capital reserve requirements, cybersecurity requirements, and banking compliance standards set forth by the NYSDFS and the New York Banking Law—on par with traditional financial institutions.
More about our commitment to security

Crypto Security

The majority of your crypto is held in our offline, air-gapped Cold Storage system. Only a small portion is held in our online Hot Wallet, which is insured against certain types of losses.

Account Security

Two-Factor Authentication (2FA) is required when you log in to your account or make crypto withdrawals.

Competitive features and rates

Interest compounds daily. Deposit and receive more than 110x the average national interest rate2, with high-yield crypto returns.
See our interest rates here

Redeem your assets at any time. No hidden fees.

Withdraw your assets instantly3. Gemini offers more flexibility than other high-yield cryptocurrency investments, with no minimums and no transfer or withdrawal fees.

Available in every U.S. state, Singapore, and Hong Kong.

No other cryptocurrency exchange or financial institution offers the opportunity for users to earn interest on crypto in every U.S. state, including New York. Gemini Earn is also available in Singapore and Hong Kong.

Earn on stablecoins

Stablecoins are digital assets that are tied to traditional fiat currencies and are designed to minimize crypto price volatility, while maintaining the mobility and utility of cryptocurrency. Gemini Earn supports stablecoins like Gemini dollar (GUSD) and Dai.4
More about stablecoins

Gemini dollar (GUSD)4

Gemini dollar™ is a stablecoin redeemable at any time for $1 USD at Gemini, anytime.

Beat inflation

Gemini Earn allows users to outpace inflation rates by receiving returns through stablecoins.


Calculate your crypto earnings

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

1INCH

1inch

8.05% APY

USD

approx. 17241.37931 1INCH

Annual Percentage Yield (APY) as of October 01, 2022. 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 years interest

$1,674.80

Calculated based on the current 1INCH price of $0.58

Annual Percentage Yield (APY) as of October 01, 2022. 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

Signing up is fast, easy, and secure.

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

Buy, sell, store, spend, and earn cryptocurrency all through one platform.

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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 at 4p.m. ET, on the following business day that funds are moved to Gemini Earn.

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Gemini partners with accredited third-party borrowers like Genesis, who are vetted through a risk management framework that reviews our partners’ collateralization management process. Additionally, on a periodic basis we conduct analyse 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 users to diversify borrowers.

Crypto interest rates

Check here to find the latest rates for interest-earning accounts. Rates may increase or decrease in the future.

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The Ascent

We are proud to have been awarded The Ascent’s Best-Of 2022:

  • Best Cryptocurrency Exchange Overall
  • Best Cryptocurrency App for Earning Interest
  • Best Cryptocurrency App for Beginners

Frequently asked questions

1 APY may vary based on coin type 0.45% - 8.05%. 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. This content is for general informational purposes only and is not investment advice. Buying, selling, and trading cryptocurrency involves risk. You should consult a qualified, licensed advisor before engaging in any transaction. Past performance is not a guarantee of future results.
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., Singapore and Hong Kong users only.
5 Rates are not available in all regions and from all lending partners. Please log into your Gemini account to see what rates are available to you.