Interest Rates is a popular cryptocurrency platform with a range of products available for anybody looking to trade and earn interest on their cryptocurrencies. They support many major currencies, including Bitcoin and Ethereum and stablecoins such as USDC and USDT. Below you'll find's latest interest rates for their crypto accounts.
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Overview of is one of the fastest-growing crypto apps in the world. It currently has a user base of over 50 million people and offers over 250 cryptocurrencies to trade. The company lives by the mantra that it is your fundamental right to control your money, data, and identity. There’s an entire ecosystem to that extends beyond the exchange itself. Users can also take advantage of products such as Crypto Credits or DeFi swap.

The company was founded in 2016 and is currently based in Singapore. However, when initially started up, it was established in Hong Kong by Bobby Bao, Gary Or, Kris Marszalek, and Rafael Melo. Back then, the company was called Monaco, before rebranding to in 2018. Interestingly, it cost Monaco millions of dollars to purchase the domain for in a saga that spanned many years. This is perhaps why it took so long to make the switch to the current name.

What are the main services offered by offers a range of services that can be split into key categories: App

This is the main service provided by the company, and it comes in the form of a mobile app users can download onto their chosen device. It allows you to do the following:

  • Buy & Sell - you can purchase and trade over 250 cryptocurrencies at true cost using over 20 fiat currencies. claims it has the lowest fees for purchases made through credit/debit cards and bank transfers.
  • Earn - through the app, you can earn up to 14.5% per annum on your crypto.
  • Pay - users can apply for a physical Visa Card via the app and gain 5% cashback on spending, all paid through the app in CRO (the company’s native cryptocurrency). You can also use Pay - which is similar to Apple Pay - and receive 10% cashback.
  • Credit - you can deposit crypto through the app and receive an instant loan from without the need for a credit check. The company states you can borrow up to 50% of your crypto collateral. For instance, deposit $10,000 worth of crypto and receive $5,000 in credit.


The exchange is a service users can access from any web browser. It provides you with a view of the crypto market, giving lots of extra features to make trading as easy as possible. There is even a Trading Bot that can be configured to act on automated trading strategies so you can build your portfolio. Ultimately, this is where traders go to make money on the site. It is dubbed the “world’s fastest and most secure trading platform”.

DeFi Wallet

The DeFi wallet from is a non-custodial wallet that gives you access to a collection of DeFi services all in one place.

It’s a place for you to store tokens and NFTs in a safe and secure wallet. Users that already have crypto wallets can import them over to this one with ease. You can also send tokens and assets from your DeFi wallet at your preferred conformation speed and network fee.

The wallet itself exists on your mobile device, but there is also a browser extension and desktop version of the wallet to download and use.

Ecosystem is also developing an ecosystem that’s run on its own blockchain network. It’s called Chain and is presented as a public, open-source, and permissionless blockchain with high speeds and low fees. The company hopes that this public blockchain can aid the mass adoption of blockchain technology in the world.

As part of this ecosystem, the company also provides businesses with an opportunity to accept cryptocurrency payments from customers.

What is CRO token?

CRO - or Cronos - is the native token of the platform. This token is used by the company to power most of its applications, and it is what rewards and earnings are paid with when using the Visa Debit Card.

Users can purchase CRO on the website exchange or mobile application. However, CRO cannot be mined because of the way it is designed. There are certain protocols and mechanisms used in the design that prevent it from being minable.

How does make money?

Like most crypto trading platforms, the company earns a lot of its money through fees, rather than by charging users to download its products. Here are the main revenue sources the business calls upon:

  • Transaction fees
  • Interchange fees from the debit card
  • Interest from loans
  • NFT sales fees
  • Investment earnings

All of these things add up, making one of the most successful and profitable crypto exchanges on the market today.

What are the fees on

As mentioned above, there are different fees depending on the services/products you use. We’ll now go through each of these fees, and explain what they are and how much you’re typically charged.

Transaction fees which can also be called “trading fees'' as it refers to the charges put in place when trades are made. As of writing this, there is a 0.04% - 0.4% maker fee, and a 0.1% - 0.4% taker fee on The good news is that there are no fees for depositing money in your account.

There is an NFT marketplace on where anyone can go and purchase NFTs. If you are creating an NFT to sell, you will be subjected to a 15% seller’s fee. Likewise, if you buy an NFT and then re-sell it, you’ll have to pay a 5% fee on the secondary marketplace. also offers crypto loans to users, in which they earn interest on. These loans are collateralized with a user’s own crypto holdings. The interest rate charged on these loans vary from one asset to another. For a full list of fees on, check here.

Is safe to use?

Like all crypto exchanges and websites, will be subjected to many cyber threats. Consequently, the company has employed many defense mechanisms to keep it as secure as possible.

100% of customer funds are kept in cold wallets, which means they are inaccessible to hackers. Cold wallets are completely disconnected from the internet, presenting significantly lower risks than hot wallets.

There is also multi-factor authentication required for anyone using the app or creating an account. Thus, for someone to gain access to your account, they would need to pass through more than one or two security checks. In essence, someone guessing your password will not be enough to allow them in.

Another very neat and useful security feature is the withdrawal delay concept. Here, any new withdrawals made to addresses that have recently been added to your account will be held for 24 hours. Within this time, you get an email alert that lets you contact customer service to authorize or deny the request. It’s a simple yet effective way of preventing money from being lost.

The website uses Amazon Web Services as the core part of its cybersecurity infrastructure, which features a variety of top features designed to detect and prevent threats. The company also reviews its own code regularly to see if there are any weaknesses that need to be acted on.

Every single deposit that’s made on the site is screened for compliance to ensure that it’s legitimate. The company also claims to have a dedicated team that monitors every single transaction, protecting against fraud. 24/7 customer support also means you can get plenty of help if you suspect something fishy is happening on your account.

Is regulated? is a fully-regulated crypto company. This ensures that it abides by certain standards within the financial industry, in all jurisdictions they operate.

Does have deposit insurance?

While does not have guaranteed deposit insurance, they can cover losses through a $750 million insurance policy. This insurance covers all funds left in the cold storage wallets and protects against things like physical damage, destruction, or third-party theft. is also FDIC insured, though only for USD funds. Still, there is a good level of insurance and protection for your assets. Essentially, if you deposit your funds, they will have some level of insurance as most funds are kept in cold wallets.

In what countries is available?

You’ll be pleased to know that is available in all US States, and in most of the major countries throughout the world.

Some of the countries the platform is available in are listed below:

  • United States
  • Canada
  • United Kingdom
  • Australia
  • Singapore
  • Brazil
  • Argentina

However, there is also a list of geo-restricted countries and territories where users are unable to access the app. You can see a full list of these countries right here as it is quite extensive. Some of the biggest names include China, Cuba, Bangladesh, and Morocco.

How do I open a account?

Opening an account with this company is very easy and begins with downloading the app. You can do this via the website, and you will be presented with a screen that prompts you to “Create New Account” when opening the app for the first time.

From here, simply follow the instructions and provide your details - this will include adding an email address to the account, upon which a confirmation link will be sent to you. Click the link and it will let you begin the full registration process.

The next step is to put your phone number in and receive a verification code via text. Put this code in the boxes and you will confirm your phone number.

After, there’s another verification process, though this one is more in-depth. You must provide your full legal name, as well as choose a type of ID to verify. This can be one of the following:

  • Identity card
  • Passport
  • Driver license

You then have to submit a selfie and then wait for your identity to be verified. This can take anywhere from a few minutes to a few hours to a few days. Once your account has been verified, you’re good to go.

How to withdraw from

Withdraw to bank account makes it easy to withdraw U.S dollars from your crypto wallet to a US based bank account by selling your crypto to USD. Once you have funds in your fiat wallet, you can transfer USD to your bank account via the ACH network. USD withdrawals are free to make and take 3 to 5 business days to process.

Withdraw crypto from

You can withdraw your cryptocurrencies by first adding it to your list of approved withdrawal addresses on Once you have added an external wallet address, you can easily withdraw your crypto by going to the “Spot Wallet” screen and selecting “Withdraw” next to the asset you wish to withdraw.

What sort of customer support does offer?

There is a Help Center on the website that provides a long list of topics and frequently asked questions to support users.

Alongside this, offers 24/7 customer support via emails or Live Chatbots to ensure you always have any questions answered. While you can’t text the company for support, they will often send messages to your phone to confirm transactions or notify you of any suspicious activity on your account.

Ⓒ 2022

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