Best XTZ (Tezos) Interest Rates of Jul 2025
Compare the best XTZ (Tezos) interest rates for staking and earning yield, from the top crypto interest accounts of Jul 2025. Comparison of the best CeFi platforms and exchanges to earn on XTZ / Tezos.
Some content may contain affiliate links, meaning that for referring you, we may receive a commission. This is at no cost to you, and may provide you with a bonus / discount as part of the referral offer.
Best XTZ Interest Rates
The table above compares the best XTZ interest rates. As you’ll notice, there are base rates and max rates. Since the max rates often have certain requirements, such as locking the asset for a fixed amount of time, the best Tezos interest rate will depend on your willingness to fulfill any of those requirements.
For example, platform A might have a higher base rate than platform B, but platform B can offer a higher max rate if you lock your XTZ for one month. So the best XTZ interest rate would depend on your willingness to lock the asset.
Where To Earn the Highest XTZ Yield
The max APY column will show where you can earn the highest XTZ yield, depending on your willingness to fulfill any requirements specified. Some platforms also have tiers, as specified, so you may only be able earn the highest XTZ interest rate on the first X amount of XTZ.
In addition, there is a toggle above the table where you can change the location between United States and International. The platforms and Tezos rates may change for US vs non-US. The table also includes other details relevant to determining the highest XTZ interest rates, such as pointing out when a platform is unavailable in a specific US state.
Best XTZ APY / Best XTZ APR
The table shows XTZ rates in APY (Annual Percentage Yield) by default. However, some platforms advertise their rates in APR (Annual Percentage Rate), so the table will specify when rates are in APR. APY takes into account compound interest, while APR does not. If a platform has XTZ rates in APR, you can use tools like this to convert XTZ APR to XTZ APY.
Best XTZ Staking Rates / Best XTZ Lending Rates
For earning yield, staking XTZ is sometimes used interchangeably with lending XTZ. So those looking for the best XTZ staking rates to earn interest might be looking for the best XTZ lending rates to earn interest. With the CeFi platforms covered here, you are lending your XTZ to centralized entities, as a way to earn yield on XTZ.
How To Earn Interest on XTZ
To earn interest on XTZ, an individual would create an account, then there is usually a KYC (Know Your Customer) process to verify your identity. From there, you can often just deposit XTZ to start earning interest. To earn the highest XTZ APY, as shown in the max APY column, there are sometimes other requirements, as specified in the table.
Why Earn XTZ Interest
The high yield offered by XTZ interest accounts is likely the main reason an individual would want to earn XTZ interest, rather than letting it sit idle.
However, there is always risk that you lose some or all of your assets. For example, a CeFi platform could halt withdrawals on the coins you deposited. Do your own research to make sure you understand all the risks of any particular cryptocurrency, or platform holding your crypto. No cryptocurrency or platform is without risk.
Best XTZ Interest Account / Best XTZ Savings Account
CeFi platforms are sometimes referred to as crypto interest accounts or crypto savings accounts (though very different from traditional bank accounts). The best XTZ interest account / best XTZ savings account might vary based on an individual’s preferences and situation.
For instance, some platforms have tiers, so what might be ideal for one person, might be less ideal for someone with a much higher amount of XTZ. You also wouldn’t want to use a platform that you believe is too risky, even if everything else seems ideal.