Coinloan Staking

Coinloan Interest Accounts

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Verdict: Coinloan offer a highly competitive service with no gas fees and a great starting APY on stablecoins. They offer increased rates for those who stake their native CLT token, for a total 2% increase up to a max. of 12.3% APY. We feel that their good selection of assets, combined with staking options and no withdrawal/deposit fees really sets this platform apart from the rest. Learn more about them below.

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9/10 (Expert Score)
🥇 Product is rated as #1 in category Interest Accounts

Coinloan maintain some of the highest interest rates and the lowest fees offered in CeFi, with good options for both stakers and non-stakers alike. A wide selection of assets are available, including 16 cryptocurrencies and 2 Fiat options. There are no deposit withdrawal fees, or credit checks. Gas fees are covered and there is no minimum savings lock-in period; remaining one of very few platforms to offer this.

Interest is compounding and paid in kind monthly, with users earning between 4.5 - 12.3% APY on fiat, stablecoins and cryptocurrencies. Whilst most of their crypto interest rates are only slightly above average, their fiat & stablecoin APY is a highly competitive 10.3% without staking. To qualify for the best rates, users must hold up to 2500 CLT (Coinloan native token) in their account. There is no minimum staking time required to receive these raised rates, with each 125 CLT held raising interest rates by 0.1%. Having in excess of 2500 CLT will not affect your interest rates, as 2% is the maximum.

Funds and assets remain protected and insured for up to $100 million by BitGo, one of the leading crypto custodians. This platform is also very secure, utilising both cold storage & 2FA and as such, they've never suffered a hack or security breach since founding in 2017. Lastly, we found this platform easy to use and highly accessible, allowing users to check their easily savings via PC or mobile. Users worldwide can also access this platform with the app, available on both Apple & Android phones.

Interest Rates
Supported Currencies
Customer Support
  • No credit checks
  • Utilises cold storage & 2FA
  • No deposit/withdrawal or gas fees
  • Fully licensed & regulated company
  • No freezes or lock-ins, withdraw anytime
  • Compounding monthly interest, paid in kind
  • 16 supported cryptocurrencies and 2 Fiat options to earn interest on
  • No security breaches since the founding in 2017
  • Insured for $100M by leading crypto-custodian BitGo
  • Highly responsive and helpful support with live chat
  • Accessible via PC or mobile, with apps for iOS & Android.
  • Great non-staking starting rates of 10.3% on stablecoins
  • High interest rates of 7.2% APR for cryptocurrency and 12.3% APR on stablecoins & fiat for stakers
  • Below average cryptocurrency interest rates for non-stakers
  • KYC can compromise anonymity of users
  • Relatively new company (founded 2017)
  • Users must stake CLT for these rates
  • No USD options

Specification: Coinloan Interest Accounts

Loan Information
Staking Percentage 2%, 250 - 5000 CLT
Company & Availability
Headquarters Tallinn
Year of origin 2017
Number of users Undisclosed
Insurance Coverage BitGo
Previously hacked Yes
Eligible regions
Excluded regions China, Iran, North Korea, Sanctioned countries
Credit Check No
Savings Information
Supported Fiat Currencies ,
Supported Cryptocurrencies , , , , , , , , , , , , , , ,
Lockup term N/A
Interest Payments Monthly
Rate Variability Variable
Compounding Yes
Gas fees No fees
Withdrawal fees Free
Cryptocurrency APY Interest
BCH APY 5.2 - 7.2%
BTC APY 5.2 - 7.2%
ETH APY 5.2 - 7.2%
LTC APY 5.2 - 7.2%
PAXG APY 5.2 - 7.2%
XLM APY 5.2 - 7.2%
XRP APY 5.2 - 7.2%
Fiat Currency APY Rates
EUR APY 10.3 - 12.3%
GBP APY 10.3 - 12.3%
Stablecoin APY Rates
DAI APY 10.3 - 12.3%
TUSD APY 10.3 - 12.3%
USDC APY 10.3 - 12.3%
USDT APY 10.3 - 12.3%
Asset protection & Insurance
Audited Estonian FIU
Cold Storage Yes
Company Backing N/A
FDIC insurance No
Insured by Lloyd's

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