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.

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Supported digital assets

We pride ourselves of only supporting reliable digital assets. We will never offer a coin that we would not be comfortable with using ourselves.

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.
Arrows both ways

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.

Our Growth account rates

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USDC

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

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

The Ledn difference

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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.

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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.

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Transparency

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

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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.

Juan Rodríguez aka Papa Bitcoin

"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

Juan Rodríguez aka Papa Bitcoin

Sponsored Ledn Partner

*Interest rates are shown on an annual percentage yield basis, are subject to change, and their availability may vary based on jurisdiction. Learn more in our Disclaimers.