Celsius: earn up to 17% yield on your crypto
Celsius: Earn up to 17% on your Crypto Assets

The Celsius Network is a fintech network that provides interest-bearing savings accounts, borrowing, and payments in both digital and fiat currencies. It operates on an economic approach that challenges traditional banking models while putting the Celsius community first.
Pros
No lockups
Weekly payouts
Borrow at 1% APR
Cons
APY could be higher
25% CEL Token Holdings for Platinum
What is Celsius?
Celsius Network is a democratized interest income and lending platform accessible via a mobile app. Built on the belief that financial services should only do what is in the best interests of the community, Celsius is a modern platform where membership provides access to curated financial services that are not available through traditional financial institutions. Crypto holders can earn interest by transferring their coins to their Celsius Wallet and borrow USD against their crypto collateral.
How To Get Started With Celsius?
- Create your account
- Transfer your assets or top-up via Credit Card
- Start earning up to 12%
Celsius Cryptocurrency Interest Account
Similar to a conventional savings account, Celsius allows you to earn interest on your assets by lending them to retailers, businesses, and institutions.
Your interest rate is determined by:
- Reward Status, which in turn depends on the ratio of CEL Tokens against the balance of other assets in your portfolio. The requirements for each tier are as follows:
- Bronze: 5%-10% of the portfolio balance in CEL Tokens.
- Silver: 10%-15% of the portfolio balance in CEL Tokens.
- Gold: 15%-25% of the portfolio balance in CEL Tokens.
- Platinum: 25%-100% of the portfolio balance in CEL Tokens.
- The type of interest payout you choose:
- Earning ‘in kind’ means you receive your interest payments in the currency you’re earning on.
- Earning in CEL means you receive interest payments in CEL Tokens and benefit from an additional interest on all your holdings.
Earn on Crypto is available for BTC, ETH, LTC, XRP, EOS, XLM, BCH, USDT, USDC, TUSD, DAI, USDP, LINK, TRX, PAXG, BNB, DOT, DOGE, ADA. Full list available at: https://celsius.network/earn-rewards-on-your-crypto
Coin Name | In-CEL Reward Rate (APY) | In-kind Reward Rate (APY) |
---|---|---|
Stablecoins | ||
TUSD | 12.68% | 10.02% |
GUSD | 12.68% | 10.02% |
PAX | 12.68% | 10.02% |
USDC | 12.68% | 10.02% |
TUSD | 12.68% | 10.02% |
TGBP | 12.68% | 10.02% |
TAUD | 12.68% | 10.02% |
THKD | 12.68% | 10.02% |
TCAD | 12.68% | 10.02% |
BUSD | 12.68% | 10.02% |
ZUSD | 12.68% | 10.02% |
MCDAI | 5.78% | 4.60% |
Cryptocurrencies | ||
SNX | 17.78% | 13.99% |
MATIC | 11.36% | 8.99% |
DOT | 11.20% | 8.86% |
BNB | 8.46% | 6.71% |
BNT | 6.92% | 5.50% |
LUNA | 6.35% | 5.05% |
CEL | 4.86% | |
AAVE | 6.11% | 4.86% |
DASH | 5.78% | 4.60% |
COMP | 5.78% | 4.60% |
BCH | 5.66% | 4.51% |
EOS | 5.60% | 4.45% |
SUSHI | 5.19% | 4.13% |
1INCH | 5.19% | 4.13% |
ADA | 5.10% | 4.06% |
ETH | 6.72%Up to 100ETH 4.42% Over 100ETH | 5.35%Upto 100ETH 3.52%Over 100ETH |
BTC | 4.40% | 6.20%Upto 1 BTC 3.51%Over 1 BTC |
LTC | 4.08% | 3.25% |
ETC | 3.77% | 3.00% |
LINK | 3.77% | 3.00% |
XRP | 3.13% | 2.50% |
UNI | 3.13% | 2.50% |
BSV | 2.53% | 2.02% |
ZEC | 2.53% | 2.02% |
ZRX | 2.21% | 1.77% |
XLM | 1.26% | 1.00% |
BAT | 1.26% | 1.00% |
UMA | 1.26% | 1.00% |
OMG | 0.63% | 0.50% |
KNC | 0.63% | 0.50% |
MANA | 0.63% | 0.50% |
Pros
No fees
Everything Celsius does is designed for unparalleled access to fair, rewarding financial services. Fees hold people back, so Celsius removed them.
High yield interest of up to 17%
Celsius provides its customers with an unmatched 12 percent annual return on stablecoins (such as USDT, USDC, TUSD, USDP, DAI) and fiat savings, as well as up to 8% on other cryptocurrencies such as BTC and ETH. Send your passive assets to Celsius and let them work for you without locking them up because Celsius allow you to withdraw them at any moment.
Capital gains tax optimization
Avoid paying capital gains taxes. When you take out a crypto loan and spend it, you avoid paying capital gains taxes, which are otherwise due when you sell your crypto in many countries.
Borrow at 1% APR using your crypto
- Zero origination fees
- No credit checks
- Lowest industry rates
- Easy refinance options
That means you could borrow $1,000 or more today and pay only $10 (or less!) in interest for the year. Borrowers that choose to pay back their loan in CEL tokens can pay up to 30% less in interest with rates as low as 0.7% APR for platinum CEL holders!
Cons
Keep 25% CEL token in portfolio to get up to 25% more rewards
You will need to stake CEL Tokens to be eligible for higher interest rates. In other words, you have to be in the Platinum tier to get bonus rewards. More info at: https://celsius.network/cel-token-explained.

Free $50 Bonus Offers
Celsius is currently giving the following promotion to new users. When you open a new account, complete advanced verification, and deposit at least $400 in any supported asset on the site, you will receive $50 in BTC. You must keep the minimum of $400 for at least 30 days.
- Open an account here
- Enter the code 1904658f98 at sign-up.