Transaction & Growth accounts

Growth accounts let you hodl and earn up to 8.5% APY*. Grow your assets while knowing you are benefiting from industry leading safeguards.

Our products

Growth account

Earn up to 8.5% APY.

Full visibility into how we generate interest.

Stablecoin growth accounts fund our 2:1 collateralized retail loan book, which has never experienced a loan loss.

Asset control. You can transfer between Transaction and Growth accounts.

Open an account

Transaction account

Manage your day-to-day activities.

Primarily held in cold storage.

Direct access to Ledn products and your Growth account.

Add and withdraw your digital assets to and from Ledn.

Open an account

Our Growth account rates

USDC

Below 100,000 USDC: 6.5 APY
Excess over 100,000 USDC: 8.5 APY

Find out more

USDT

Below 100,000 USDT: 6.5 APY
Excess over 100,000 USDT: 8.5 APY

Find out more

The Ledn difference

More control over your assets

Our savings experience provides two dedicated accounts for each digital asset. Choose between the interest-earning Growth account and the non interest-earning Transaction account based on your goals.

Secure

Interest for US Stablecoin Growth accounts is currently generated primarily by lending to Ledn's BTC-collateralized retail loan book, which has a proven track record with no history of loan losses. This ensures a reliable way to earn interest on your assets.

Transparency

Gain clearer insights into how interest is generated with our revamped client dashboard, including Ledn's Open Book Report.

Trust

You benefit from Ledn’s vetting, underwriting, and risk management policies. As the global leader in crypto lending, you can rely on a safe and secure savings experience.

"As a Latino I have never had such an easy option to save in digital dollars and earn interest. Thank you Ledn. Problem solved! I know I'm able to obtain liquidity in a pinch without the need of selling my bitcoin."

Juan Rodríguez aka Papa Bitcoin