Top 5 Best Crypto Savings and Staking Programs

Bitcoin price spike to record highs of $73,000 motivates many retail and corporate investors to review their portfolios and invest some funds into cryptocurrencies. Saving accounts, staking, farming and other passive income tools help to multiply their investments without unnecessary actions and risks. We’ve broken down where best to invest your bitcoins and stablecoins, as well as how much you can earn from staking cryptocurrencies today.

How staking works

Staking or savings accounts are an alternative to the current bank deposits, only instead of dollars and euros, users invest stablecoins or other popular coins, receiving a certain yield. Today, there are two types of staking available to crypto users: fixed and flexible.

When using fixed staking, the client undertakes not to withdraw the invested coins until the end of the storage period, which is from one month to a year. For this, the company charges him a certain percentage of remuneration, which is paid together with the deposited amount at the end of the staking period. As a rule, the profit from using fixed staking is higher, but there are a number of restrictions on the use of invested funds. For example, if the user decides to withdraw the deposit before the end of the staking period, they automatically lose all rewards.

Flexible staking allows withdrawals at any time, but the rewards are smaller than with fixed staking. The user doesn’t lose the rewards on withdrawal and can manage them at will. As a rule, the rewards for cumulative deposits are accrued on a daily basis, but are available for withdrawal after a certain period of time.

Today, staking is available for top coins like BTC, ETH, DOGE and others, as well as for USDT and USDC stablecoins.

The best savings programs and offers

Accumulation programs and staking aren’t just offered by investment funds and companies, but also by cryptocurrency exchanges, mining pools and others. Let’s take a look at the most profitable platforms for passive income on crypto assets.

EMCD Coinhold

EMCD is an ecosystem based on the largest mining pool in Eastern Europe, which is also one of the top 7 mining pools in the world. 200 000 users mine Bitcoins and many other top coins on a daily basis. Miners and other users can transfer their assets to a built-in savings account and earn passive income.




360 days fixed



360 days flexible



90 days fixed



90 days flexible






Rewards are accrued daily, and withdrawals to users’ wallets are made within 24 hours of a request.


The centralized cryptocurrency exchange Bitget offers fixed pool staking. Coins such as CORE, SOL, ETH, SAGA, Near, Manta, DYM, OSMO, and several others are available for users for staking. To join, you need to register with the exchange, go through verification and KYC and make a deposit into a staking pool. Each of the pools offers different returns. More recently, the company launched the special PoolX staking platform, where you can receive tokens of other popular projects by transferring BGB tokens or others into the pool. In addition, USDT tokens are now available for Bitget users at 100% APY.


Another centralized cryptocurrency exchange that offers ample opportunities for staking and accumulation. Today, 150 coins are available to users, and the terms can be fixed or flexible. Like Bitget, Bybit offers USDT staking at 100% APY, as well as staking of popular coins, including BTC, ETH, MNT, 1İNCH and others. To join, you need to have a verified account on the exchange and go through KYC procedure.


Unlike previous platforms, Stake.Fish is decentralized and focuses primarily on ETH staking. Users need to deposit at least 32 ETHs to enter the pool. The reward is 3.45%, and there are already more than 450k ETH coins in the pool.

In addition, the platform offers staking coins like Cosmos, Tezos, Solana, Near. The yield varies from 3% to 21% and depends on the selected coin and conditions. When choosing a staking pool, you should also consider the amount of fees that the platform itself charges for providing services. It can vary from 4% to 15%.


Staked is a decentralized platform for staking, which is primarily focused on institutional and corporate investors. Already today, the platform is chosen by such companies as Pantera, Multicoin Capital, Variant, MEW and others. The service offers staking coins like ETH, ADA, SOL, DOT and others. Rewards for participating in the pool vary from 3% to 10% depending on the selected coin and conditions. It should be emphasized that this platform is designed for corporate clients and does not allow retail investors to join its pools.


Staking and savings accounts can be an efficient tool for passive income in crypto. This feature will be especially useful for miners who get daily rewards for mining cryptocurrencies and can instantly transfer funds to savings accounts, growing their profits. Unlike bank accounts, staking offers a higher annual rate and acceptable partnership terms.

Disclaimer: This article is provided for informational purposes only. It is not offered or intended to be used as legal, tax, investment, financial, or other advice.


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