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

What is a USDC Growth account?
A Ledn USDC savings account is a great way to earn interest on your USDC holdings, with rates up to 8.5% APY. It's designed to offer flexibility and security, allowing you to move your funds in and out of interest earning accounts whenever you like. Plus, you can monitor how your yield is generated with clear, easy to understand insights through Ledn’s client dashboard. This way, you're always in control, and you can enjoy peace of mind knowing your assets are being managed with transparency and care. It’s a simple, secure, and rewarding way to grow your digital savings!
Why hold USDC with Ledn?
Passive income
Earn up to 8.5% APY, while you hold
Open term
Maintain access to your USDC
Full transparency
Access everything via the client dashboard
How does Ledn generate the interest?
At Ledn, we generate the interest paid in USDC or USDT in our savings accounts by lending to our bitcoin-collateralized loan book. This means that loans are secured with Bitcoin at a 2:1 collateral ratio, ensuring a strong level of protection. Plus, our loan book has a great track record, having never experienced a loan loss. It's a reliable and secure way for you to earn interest while we manage the lending process.
Learn more about how we generate interest and keep your assets safe, including specific breakdowns, in our monthly Open Book Report.
How-to-use: USDC Growth accounts
With no minimum balance and no locked-in term, Ledn makes it easy to start earning interest right away while maintaining the flexibility to withdraw as needed. These new savings accounts give you more visibility in how the yield is generated via a new client dashboard. Ledn’s Growth accounts are ring-fenced, so you’re only exposed to the counterparties that generate your yield. This means you aren’t affected in the unlikely event of a Ledn bankruptcy.
Open a USDC Growth account today
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.
Safety
Growth accounts act as a ring-fence for the assets they hold, linking them solely to the counterparties that generate your yield. Any potential losses from Ledn’s other activities or an unlikely event of bankruptcy will not affect Growth account assets.
Transparency
Gain clearer insights into how interest is generated with our revamped client dashboard, including Ledn's Open Book Report.
Access
Your Growth account, like all yield-generating products, come with risks. In the event of a non-performing loan with one of the institutional counterparties that generates yield for your Growth account, you will still be able to quickly access unimpaired funds.
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."
Frequently asked questions
No, there is no minimum or maximum to start earning interest in your Growth accounts. Interest may not be offered in all jurisdictions and may vary from one jurisdiction to another.
A Growth account is an account where you can earn interest. It is only exposed to the counterparties that generate your yield, meaning it is isolated from the risks of other Ledn products and services, and it will not be affected in the unlikely event of a Ledn bankruptcy.
In the event of a non-performing loan, Growth account clients will be able to access unimpaired funds quickly, rather than having the unimpaired assets tied up in tedious bankruptcy proceedings.
A Transaction account is a non-interest-bearing account for adding and withdrawing assets, and managing your Ledn products and services like Loans, Trade, Transfer and DCNs. Transaction account assets are primarily held in cold storage. Your Transaction account is where you can add assets to your Growth account, and the destination for assets you withdraw from your Growth account.
You can switch between Growth and Transaction accounts at any time.
Interest is paid out monthly. At the beginning of every month, you will receive an automatic credit to each of your Ledn Growth accounts, paying out the interest you earned the prior month for that asset. Interest may not be offered in all jurisdictions and may vary from one jurisdiction to another.
Subject to availability in your jurisdiction, Ledn only supports BTC and USDC for its Trade function. Ledn clients can trade between their BTC Transaction account and USDC Transaction accounts, as applicable, seamlessly.
Please note that if you want to earn interest on your BTC or USDC after the trade, you must transfer the BTC or USDC balance on your BTC or USDC Transaction account to your BTC or USDC Growth account.
Existing U.S. clients with a balance in their BTC or USDC Legacy Savings account will need to move their funds to the BTC or USDC Transaction account to be able to trade, if such function is available in their jurisdiction.