Earn up to 10% Interest Per Annum with Stablecoins (paid weekly)

Leveraging stable digital assets (stablecoins) to provide high returns of interest.

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The Crypto.com Earn Service

Crypto.com is one of the largest, most established and trustworthy cryptocurrency exchanges, with several services available. Their Crypto Earn service allows you to earn interest on deposits, with the amount of interest provided being based on the term you select.

Term Interest Per Anum
Flexible 6% p.a.
1 Month 8% p.a.
3 Months 10% p.a.

The flexible term allows you to withdraw your assets at any time. The 1 and 3 month terms determine how long your assets must be held by Crypto.com


  • Earnings will be credited to your wallet every 7 days
  • Earnings will be paid in the same currency as your deposit
  • The interest you receive is simple daily interest and will not be compounded

What are Stablecoins and which are Supported?

Stablecoins are a cryptocurrency that have the intended purpose of keeping a 1:1 ratio with an asset (such as USD, EUR, GBP, Gold, Silver). e.g. 1 USD related stablecoin will always be worth as close as possible to 1 dollar.

CoinCodex lists the top stablecoins, with graphs showing their relative values to their associated assets.

Stablecoins are often used by traders who don’t want to actively trade/invest all of their assets, but they don’t want to convert it back into fiat (as there can be a high commission fees and can also be a slow process). They therefore use stablecoins as a reliable alternative to fiat (e.g. USD).

Many stablecoins exist, you should always do your own research into which one is best to use for your use-case (i.e. safest, well supported and has high liquidity on the exchange you will be using).

Some stablecoins are 100% backed with fiat, offer total transparency and are associated with large cryptocurrency exchanges, however none are entirely safe to use as they aren't regulated or backed by governments or financial organisations; so there is risk that their values could change or that they could disappear altogether.

The Crypto Earn service supports these stablecoins:

Coin Name Code Official Website
DAI DAI https://makerdao.com/en
Paxos Standard PAX https://www.paxos.com/pax
Tether USDT https://tether.to
TrueUSD TUSD https://www.trusttoken.com/trueusd
USD Coin USDC https://www.coinbase.com/usdc

Summary of the Risks:

  • If USD is not your preferred currency, there is risk that you could lose value between your preferred currency and USD
  • When registering for the Crypto.com Earn service, one of the terms that you have to accept is ‘I understand that Crypto Assets are NOT legal tender, NOT backed by any government, and NOT insured by the FDIC or SIPC’

Sounds Good – How do I Get Started?

  1. Register an account with Crypto.com (get $50 in MCO if you stake 50 MCO when using this referral link on Crypto.com Visa Debit card which gives 2% cashback on all purchases and a Spotify subscription. If you already have the app installed, you can enter this referral code qu80wtyk0i)
  2. Download and open the Crypto.com app (Android and iOS)
  3. Buy (or transfer into Crypto.com) your preferred stablecoin
  4. Click on the Crypto.com logo at the bottom of the screen – this will bring up a selection of services
  5. Select the ‘Earn’ service
  6. Toggle ‘MCO stake’ the option to ‘With 50 or less’
  7. Select the term you would like (flexible, 1 month or 3 months)
  8. View your preferred stablecoin and the %PA value associated with it to ensure that you are happy with it
  9. Select ‘Start Earning Now’
  10. Then follow the guided steps

But Wait, you can get up to 12% Interest Per Anum!

With no additional cost or investment, you can get up to 10% Per Anum interest. If you stake 500 MCO or above, you can earn up to 12% interest with Crypto.com Earn.

MCO is an Crypto.com token.

The 500 MCO stake can be used to reserve a Crypto.com Visa Debit card that gives 3% cashback on all purchases, as well as other features including Spotify, Netflix and LoungeKey™ Airport Lounge Access.

See EUR | GBP | USD for the current value of 500 MCO in your preferred currency. For other currencies, select another currency from the drop-down.

Term Interest Per Anum
Flexible 8% p.a.
1 Month 10% p.a.
3 Months 12% p.a.

Summary of the Risks:

  • Same as risks as stated above, plus the following
  • You will now have 500 MCO coin locked with Crypto.com. The value of MCO will fluctuate up/down and you could end up with less value than when you invested. Also, whilst the MCO coin has a good track record and is created by Crypto.com, it is not backed by a government or financial agency, so is at risk

Now how about 18% Interest Per Anum?

The Crypto.com Earn service allows for up to 18% Per Anum interest when using CRO – pretty crazy huh?

This article is focused on stablecoins, but it would be remis of me to explain what is available when investing CRO with the Crypto.com Earn service.

Term Stake of 0 - 50 MCO Stake of 500 MCO or Above
Flexible 12% p.a. 14% p.a.
1 Month 14% p.a. 16% p.a.
3 Months 16% p.a. 18% p.a.

Summary of the Risks:

  • Same as risks as stated above, plus the following
  • CRO's value is far more volatile the USD and stablecoins that are associated with USD, so you could lose some or all of your investment

Overall Summary

The amount of interest offered by financial institutions (such as banks and peer to peer lending) with fiat is very low – the best I know of the UK is around 5% on a 5 year term with Ratesetter (which I have been using since 2013, get £100 sign-up bonus with my link).

If you’re looking for a safe and reliable way to earn a high rate of interest in the world of Cryptocurrency, the Crypto.com Earn service when using stablecoins is the best option that I have seen so far. Take note of the risks that I have highlighted, don’t invest more than you can afford to lose and do your own research.