How to Earn up to 31% APY on your Cash & Cryptocurrencies

4 min readMar 21, 2021


It’s 2021, interest rates are at an all-time low, and in some countries, it even costs you to save money with negative interest rates.

So what on earth do we do with our savings?

One answer might be — Stablecoins.

So what are Stablecoins?

A stablecoin is a new class of cryptocurrencies that attempts to offer price stability and are backed by a reserve asset such as USD. Stablecoins have gained traction as they attempt to offer the best of both worlds — the instant processing and security or privacy of payments of cryptocurrencies, and the volatility-free stable valuations of fiat currencies.
The full article can be found here: Stablecoin Definition

What do Stablecoins have to do with earning up to 31% APY?

There are many crypto platforms that pay you regular interest for storing your stablecoins and crypto assets within their platform — the highest I’ve seen is 31% APY. Below I’ve listed 4 of the top platforms paying out regular interest on both Stablecoins and cryptocurrencies.

Top 4 Crypto Platforms That Pay High Interest

1. SwissBorg

SwissBorg states that users can earn up to 31.22% p.a on their Stablecoins and cryptos. This is by far the highest APY on the list, however, the % is changing daily due to their smart yield wallet

SwissBorg Pros

  • The SwissBorg Smart Yield wallet optimizes your strategy daily for the best returns.
  • You can double your returns with SwissBorg Premium by staking 50,000 CHSB
  • Interest is paid out daily
  • Can withdraw your funds at any time — no lock-up period
  • Great rewards program
  • Beautiful user interface

SwissBorg Cons

  • Limited assets are available to earn interest — USDC/CHSB/ETH at the time of writing, BTC, and BNB to be released in the coming months.
  • Have to stake 50,000 CHSB to earn maximum returns

Sign up to SwissBorg here and get up to $115 USD in CHSB!

2. offers up to 14% p.a. on Stablecoins and up to 8.5% p.a. on your crypto assets. Pros

  • Wide range of assets that you can earn regular interest on.
  • 3 month, 1 month, and flexible deposit terms, give you the ability to choose how long your assets are locked up for.
  • Interest paid out weekly
  • An attractive rewards program that includes their own debit card Cons

  • % APY depends on how much CRO (’s native token) you buy and hold/stake
  • Withdrawal fees can be quite high

Sign up to here and get $25 USD in CRO!

3. Celsius Network

Celsius Network is another great well-known platform. They currently hold $10 billion in community assets. You can currently earn up to 13.30% p.a on your Stablecoins and cryptos.

Celsius Network Pros

  • A huge number of crypto assets that you can earn interest on
  • No minimum balance required
  • No withdrawal fees, no transfer fees, no transaction fees, no early termination fees, no origination fees, nothing!
  • Buy and sell stablecoins and cryptos within the app
  • Constantly releasing more coins within the app
  • Earnings distributed every week
  • Compound interest feature

Celsius Network Cons

  • To earn the highest return you need to earn with CEL (native token)
  • Slow support
  • Country restrictions

Sign up to Celsius Network here and get up to $30 USD in DAI or use code 1429666ffc when signing up!

4. BlockFi

BlockFi is probably one of the most well-known crypto earn platforms. It is a super simple and easy-to-use app with up to 9.3% p.a on your Stablecoins and cryptos.

BlockFi Pros

  • Established crypto platform with a large number of users
  • Earn, borrow, and trade your crypto within the application
  • Can withdraw your funds at any time — no lock-up period

BlockFi Cons

  • Limited assets available for the size of the platform
  • 1 free withdrawal for crypto and 1 free withdrawal for stablecoins per month (quite a good thing in some cases)
  • Monthly payouts instead of weekly
  • Can’t buy and sell cryptos and stablecoins within the app

Sign up to BlockFi here and get $10 in BTC!


These platforms are a great way to earn high interest on your stablecoins and cryptos, however, they are not banks and are possibly not as secure as banks. Use these platforms at your own risk — only put in what you’re willing to lose and do your own research!!! I am not liable for any of your funds if they are lost.

The links in this article are affiliate links, they benefit both you and me. Thanks for the support!




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