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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!
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, Singapore and Hong Kong.
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.
Projected 2 year interest
$1,674.80
Calculated based on the current GUSD price of $1.00
Annual Percentage Yield (APY) as of January 29, 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
Sign up is fast, easy, and secure.
1.
Download the Gemini Mobile App or log into the Gemini Exchange in your web browser. Click the “Earn” tab.
Download the Gemini Mobile App or log into the Gemini Exchange in your web browser. Click the “Earn” tab.
Select a crypto to earn interest on and press “Earn.”
Select how much and how often you’d like to move funds to Gemini Earn.
Confirm the transfer and start earning interest!
How Earn Works
Buy, sell, store, spend, and earn cryptocurrency all through one platform.
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.
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.
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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Frequently asked questions
What is Gemini Earn?
Gemini Earn is a lending program through which you may choose to lend your crypto to certain institutional borrowers and earn interest on your crypto.
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 accruing at 4 p.m. ET on the next business day after funds are moved to Gemini Earn.
What are the risks of Gemini Earn?
Gemini is partnering with accredited third party borrowers including Genesis, who are vetted through our risk management framework which reviews our partners’ collateralization management process. 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.
Cryptocurrency, like many assets, can be volatile and subject to price swings. There is always a risk in investing, and each customer needs to assess their own risk tolerance before making any investment decisions. Our partners in Gemini Earn have an obligation to return funds according to the terms of their loan agreement. However, Gemini Earn customers (the lenders) always assume some level of risk when they decide to lend their funds. We believe Gemini Earn gives our retail investors another way to stay long-term in the asset class and have the option to invest and earn interest, all on the Gemini platform.
How long does a redemption take?
Typically, Gemini can process your redemption quickly after you request your funds. If our partners receive a high volume of redemption requests during the same period, it may take longer for them to respond to each request. However, in all cases our partners are required to return your funds to you within five business days.
You will need to redeem your crypto before you use that balance to trade. Redeeming from Earn moves your crypto from your Earn balance to your trading balance. You can easily view both your trading and Earn balances on the “My Portfolio” tab on the App and on the Web. ActiveTrader users can view balances on the Account tab.
How do I redeem my Earn balance?
On the App
- If you hold crypto in your Earn account, press “Redeem” on the crypto you would like to move.
- Enter the quantity of the crypto you would like to redeem and press “Continue.”
- After reviewing the confirmation screen, swipe the Gemini icon right at the bottom of the screen to “Confirm” your redemption. Once you press redeem, you will stop earning interest on the redeemed crypto.
- Your redeemed crypto will be available in your Gemini trading account as soon as it is processed. Please refer to "How long does a redemption take?" for more information.
On the Web
- Click “Redeem” on the crypto you would like to move.
- Enter the quantity of the crypto you would like to redeem and press “Continue.”
- Review the confirmation page and click “Confirm.” Once you click redeem, you will stop earning interest on the redeemed crypto.
- Your redeemed crypto will be available in your Gemini trading account as soon as it is processed. Please refer to "How long does a redemption take?" for more information.
Why would interest rates vary over time?
Rates vary based on the supply and demand for each cryptocurrency in crypto lending markets, similar to how interest rates vary for any type of currency.
Are the crypto moved to Earn insured?
Your funds in Earn are not insured by Gemini but are held with our trusted partners. Our partners are vetted through our risk management framework and always disclosed to you, so you know which institution has borrowed your funds. Currently, Gemini is partnering with accredited third party borrower Genesis.
Additionally, Gemini Earn is structured similarly to many non-deposit services offered by financial institutions and not insured by FDIC, SIPC, any other governmental program, or Gemini. All loans are open-term and callable, and the customer’s experience is seamless with Gemini’s platform, allowing quick access to earn interest and redeem funds.
For GUSD in Earn, while the U.S. dollar reserves backing the GUSD tokens are eligible for FDIC insurance, the GUSD tokens themselves are not insured, whether or not in Earn.
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. and Hong Kong users only.