Lending vs Staking: Which Earns More?

Compare projected earnings from lending your crypto on DeFi protocols versus staking it on the network. Includes liquid staking options.

Your Holdings

~$35,000 at $3500/ETH

Lending

Supply to DeFi protocols

APY

2.5%

Projected Earnings

$875

Liquidity: Withdraw anytime

Risk: Smart contract risk

Higher Yield

Native Staking

Validator staking

APY

3.8%

Projected Earnings

$1,330

Lock-up: Variable (exit queue)

Slashing: Low

Best of Both

Liquid Staking

stETH, mSOL — stake + stay liquid

APY

4.2%

Projected Earnings

$1,470

Liquidity: Tradeable token

Bonus: Usable as DeFi collateral

Over 12 months, staking earns

$455 more

than lending for 10 ETH

Important: APY rates are approximate and fluctuate. Prices are approximate. This is not financial advice.

Related Resources

Lending vs Staking Guide

Full comparison article

Yield Calculator

Project lending earnings with compounding

Embed this calculator on your site

Copy the code below to add this calculator to your website. A link back to CryptoLendingHub is included in the embed.

<iframe src="https://cryptolendinghub.com/tools/lending-vs-staking" width="100%" height="600" frameborder="0" style="border:1px solid #e2e8f0;border-radius:12px;" title="Lending vs Staking Calculator - CryptoLendingHub"></iframe>
<p style="font-size:12px;color:#64748b;margin-top:8px;">Powered by <a href="https://cryptolendinghub.com" target="_blank" rel="noopener">CryptoLendingHub</a></p>

Stay Ahead of the Market

Weekly insights on crypto lending rates, platform reviews, and tokenization trends. Free, no spam.