Check here to find the latest rates for interest-earning accounts and loans. Please note that crypto interest rates, withdrawal limits, and fees are subject to change.
CoinStrat Savings Account
CoinStrat Savings Account clients can add their crypto and earn interest in crypto. Paid out on the 1st and 15th of each month, the crypto interest earned by account holders compounds, increasing the Annual Percentage Yield (APY)* for our clients. CoinStrat uses a tiered Interest Structure. Rates are effective March 1, 2022.
| Currency | Amount | APY* |
|---|---|---|
| Bitcoin Tier 1 | 0-0.05 | 4% |
| Bitcoin Tier 2 | 0.05-0.1 | 0.5% |
| Bitcoin Tier 3 | 0.1 | 0.1% |
| Ethereum Tier 1 | 0-0.5 | 5% |
| Ethereum Tier 2 | 0.5-1 | 1% |
| Ethereum Tier 3 | 1 | 0.1% |
| Bitcoin Holding Trust Tier 1 | 0-0.1 | 0% |
| Bitcoin Holding Trust Tier 2 | 0.1-0.5 | 0% |
| Bitcoin Holding Trust Tier 3 | 0.5 | 0% |
| Tether Tier 1 | 0-2000 | 6% |
| Tether Tier 2 | 2000-5000 | 2% |
| Tether Tier 3 | 5000 | 1% |
| Dogecoin Tier 1 | 0-1 | 0.1% |
| Dogecoin Tier 2 | 1-2 | 0.1% |
| Dogecoin Tier 3 | 2 | 0.1% |
| CVND Tier 1 | 0-50000000 | 10% |
| CVND Tier 2 | 50000000-200000000 | 5% |
| CVND Tier 3 | 200000000 | 2% |
| CoinStrat Token Tier 1 | 0-1 | 0% |
| CoinStrat Token Tier 2 | 1-2 | 0% |
| CoinStrat Token Tier 3 | 2 | 0% |
| ATT Tier 1 | 0-5000 | 20% |
| ATT Tier 2 | 5000-10000 | 20% |
| ATT Tier 3 | 100000 | 20% |
* APYs reflect effective yield based on monthly compounding. Actual yield will vary based on account activity and compliance with CoinStrat’s terms and conditions. Rates are largely dictated by market conditions, which are a key factor in a company’s ability to provide its clients yield on their crypto assets. For more information, please see our Terms of Service. Rates are subject to change. CoinStrat will communicate any rate changes prior to these changes taking effect. Digital currency is not legal tender, is not backed by the government, and the CoinStrat Savings Account is not a bank account nor a brokerage account, and is not subject to FDIC or SIPC protections.
Crypto-Backed Loan Rates
The amount of USD you can borrow depends on the amount of collateral you post against the loan, and which loan-to-value (LTV) ratio you secure. LTV is determined by the amount of the loan divided by the value of the collateral for that loan.
| LTV | Interest Rate | Origination Fee |
|---|---|---|
| 50% | 10% | 1% |
| 35% | 10% | 1% |
| 20% | 10% | 1% |
*Disclaimer: Rates for CoinStrat products are subject to change. Digital currency is not legal tender, is not backed by the government, and CoinStrat Savings accounts are not subject to FDIC or SIPC protections.