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ZEC · Zcash

Where ZEC earns the most — safely.

Zcash — privacy coin with zk-SNARK shielded transactions

Best rate right now
5.91 %
Bitfinex D
Flexible · withdraw anytime · base rate
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Average
3.32 %
Average 3.32 % across 4 platforms
Rank
#15
Market cap
$8.9B
24h volume
$440M
From ATH
-83%
1y change
+1095%
Price · 1 year
$531.79+1066.1% · 1Y

ATH $3,192 on Oct 2016·upd. Jul 17

The spread

One coin, 4 prices for your trust

Rate range

0.85 %
low
3.32 %
avg
5.91 %
high
Rate history

How ZEC yields moved across exchanges

Best rate over time
5.91 %

from 2026-05-25 to 2026-07-17

Source: daily snapshots via exchange APIs

All venues

All platforms for ZEC

Platform Best ↓ Type Platf. risk
Bitfinex 5.91 % lending D Open →
WhiteBIT 5.52 % 30d lock B Open →
OKX Earn 1.0 % flexible B Open →
Binance Earn 0.85 % flexible C Open →

How much will you earn?

ZEC
PlatformInterestTotal
Bitfinex+0.607310.6073
WhiteBITLock+0.566210.5662
OKX Earn+0.100510.1005
Binance Earn+0.085310.0853
On Bitfinex:+0.0017per day·+0.0493per month·+0.6073per year
🏦 A bank at 0.5% would pay just +0.0501 ZEC over this period.The top rate here pays 12× more.

Method: monthly compounding (1 + APR/12)ⁿ, where APR is the exchange's stated rate. The realized 12-month return is slightly higher due to reinvestment. Rates may change. Not financial advice.

Coin summary
Rank#15
Platforms with offers4
Best flexible1.0 %
Best overall5.91 %
Average3.32 %
Rate moves

ZEC rates on the move

Coin signals

What to watch on ZEC

📉 Price -83% below ATH. Peak: Oct 2016
🚀 Sharp 1-year gain (+1095%) — speculative risk
FAQ

ZEC yield FAQ

What's the best ZEC interest rate right now?

The highest ZEC rate we currently track is 5.91% APY on Bitfinex, which we grade D for safety. These are base rates refreshed daily — not promotional teasers.

Is earning interest on ZEC safe?

It depends on the platform, not the coin. We grade every platform A–F on five checks: regulation, proof-of-reserves, flexible withdrawals, an insurance fund, and track record. Check the grade next to each rate before depositing — a higher APY often means higher risk.

Are these ZEC rates promotional?

No. We track 4 platforms for ZEC and publish base rates only — never the headline promo or teaser tiers that apply to tiny balances. Floating rates are labelled as snapshots, so the number reflects what a normal balance realistically earns.

ZEC

What is ZEC

Zcash (ZEC) is a PoW privacy coin optimized for transaction privacy. Supports shielded addresses (full privacy) and transparent ones. Uses zk-SNARK proofs.

Known risks

  • Delisted in Europe and other regions
  • Declining shielded pool usage
  • Competition with Monero

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