Crypto Lending & Borrowing Rates
Compare real rates across DeFi protocols and CeFi platforms. Toggle between lending yields and borrowing costs, filter by asset and platform type, and sort to find the best deal.
Rates last updated: March 21, 2026Live via DeFi Llama — DeFi rates update daily, CeFi rates updated manually.
| Platform ↑↓ | Type | Lend APY ↑ | Max LTV ↑↓ | Risk ↑↓ | KYC | Key Features | |
|---|---|---|---|---|---|---|---|
| Nexo | CeFi | 5.0% | 50% | 4/10 | Required | No monthly repayments, Nexo Card | Visit Site |
| CoinRabbit | CeFi | 4.0% | 80% | 5/10 | None | No KYC, Instant approval | Visit Site |
| Ledn | CeFi | 3.0% | 50% | 3/10 | Required | Proof of reserves, BTC mortgages | Visit Site |
| Aave V3 | DeFi | 0.1% | 73% | 3/10 | None | Flash loans, Multi-chain | Visit Site |
| Morpho | DeFi | 0.1% | 86% | 4/10 | None | Rate optimization, Modular markets | Visit Site |
| Compound V3 | DeFi | 0.1% | 80% | 3/10 | None | Single-asset markets, COMP rewards | Visit Site |
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How to Read This Table
Lend APY is the annual percentage yield you earn by depositing assets into a platform. Higher is better for lenders.
Borrow APR is the annual cost of taking out a loan. Lower is better for borrowers. DeFi protocols often have variable rates that change with utilization.
Max LTV (Loan-to-Value) is the maximum percentage of your collateral value you can borrow. An 80% LTV means you can borrow up to $80,000 against $100,000 in collateral. Higher LTV means more borrowing power but less liquidation buffer. See our glossary for more terms.
Risk Score is our editorial assessment from 1 (lowest risk) to 10 (highest risk), based on audit history, insurance coverage, track record, and protocol design. Read our methodology.
Disclaimer: Rates shown are approximate and change frequently. DeFi protocol rates are variable and can change every block. CeFi rates may differ based on account tier, loyalty tokens, or loan size. Always verify current rates on the platform before depositing or borrowing. Crypto lending involves significant risk — you may lose some or all of your assets.
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