YieldUSDT Interest Rates in Germany (2026): Where You Can Earn
Germany is in the EU, and since 2025 that has changed the stablecoin picture more than any other rule we track. Under MiCA, licensed platforms do not let you trade USDT and may not pay interest on e-money tokens such as USDC. So the big venues — Binance, OKX, Kraken, WhiteBIT, Bybit — pay nothing on USDT here: none of them offers a USDT product to EEA users. Those with an EU licence pay far less on USDC than outside Europe, and frame it as lending or DeFi rewards rather than interest. The double-digit rates in the table come from venues with no EU licence at all.
Exchanges available in Germany
Checked against each platform's official restrictions. Rates are flexible, refreshed daily.
| Platform | USDT | USDC | Risk | |
|---|---|---|---|---|
 Lune.fi | 18 % | 18 % | F | Review → |
 CoinDepo | 17 % | 17 % | F | Review → |
 YouHodler | 12 % | 12 % | F | Review → |
 Bitfinex | 8.89 % | — | D | Review → |
 EarnPark | 5.0 % | 5.0 % | F | Review → |
 Toobit | 3.1 % | 2.5 % | C | Review → |
 LBank | 2.9 % | 2.9 % | D | Review → |
 Bitunix | 2.39 % | 1.94 % | C | Review → |
 Backpack Exchange | 1.22 % | 1.01 % | C | Review → |
 KuCoin | 1.07 % | 0.25 % | D | Review → |
 BingX Earn | 1.0 % | 0.4 % | A | Review → |
 MEXC Earn | 0.3 % | 1.0 % | C | Review → |
 Binance Earn | — | 1.99 % | B | Review → |
 Bybit Earn | — | 1.02 % | C | Review → |
 CoinW | — | 0.5 % | C | Review → |
 Nebeus | — | 4.0 % | D | Review → |
 OKX Earn | — | 3.63 % | B | Review → |
 WhiteBIT | — | 2.06 % | B | Review → |
Other coins: best rates open to residents of Germany
Per coin: the highest base rate and the best one at an A–B graded venue, among venues whose own terms accept residents of Germany. Locked terms are marked.
| Coin | Pick | Platform | Base rate | Risk |
|---|---|---|---|---|
| BTC | Highest rate | Lune.fi | 14 % | F |
| Best at an A–B venue | WhiteBIT | 1.38 % | B | |
| ETH | Highest rate | Lune.fi | 14 % | F |
| Best at an A–B venue |  Bitstamp | 3.1 % | B | |
| XRP | Highest rate | CoinDepo | 12 % | F |
| Best at an A–B venue | WhiteBIT | 10.4 % · 30-day lock | B | |
| SOL | Highest rate | CoinDepo | 12 % | F |
| Best at an A–B venue | WhiteBIT | 10.4 % · 30-day lock | B |
Crypto-asset services in Germany fall under the EU's Markets in Crypto-Assets Regulation (MiCA), supervised by BaFin. Since July 1, 2026 at the latest, when MiCA's transitional period ended, a provider needs a MiCA authorisation to serve you; BaFin publishes authorisations in its company database and in ESMA's interim MiCA register. Of the venues we track, the EU entities of OKX, Bybit, Kraken, WhiteBIT, BingX, Backpack, Coinbase, Crypto.com, Bitstamp, Bitpanda and Bitvavo are in that register. Binance, MEXC, Bitfinex, Lune.fi and CoinDepo are not; the Dutch regulator AFM publicly warned in September 2025 that MEXC serves the Netherlands without a MiCA licence.
Two MiCA rules shape stablecoin yields. ESMA told licensed providers to stop making non-compliant stablecoins available for trading by the end of the first quarter of 2025 — which removed USDT from regulated platforms. And Article 50 of MiCA bars providers from granting interest on e-money tokens such as USDC; any reward tied to how long you hold the token counts as interest. KuCoin's EU entity suspended trading and deposits on February 4, 2026.
This is not legal or tax advice. Germany's statutory deposit guarantee covers up to €100,000 per customer per bank; BaFin says crypto assets are generally not covered. Nexo, for one, states that its Earn product is outside MiCA and not protected by any deposit guarantee or investor compensation scheme, and Bybit EU says its Earn clients hold only a contractual claim to which MiCA's client-asset protections do not apply.
Tax: under the Federal Ministry of Finance's letter of March 6, 2025, income from lending and from passive (platform) staking is generally taxable under §22 No. 3 EStG at its market value when received; it is tax-free if, together with other income of that kind, it totals less than €256 a year. Selling coins you have held for more than a year is tax-free (§23 EStG), and gains from private sales within a year are tax-free if they total less than €1,000 a year. Using coins for staking or lending does not extend the one-year period to ten years.
Sources: eur-lex.europa.eu · esma.europa.eu · esma.europa.eu · bafin.de · bafin.de · bundesfinanzministerium.de · gesetze-im-internet.de · gesetze-im-internet.de · binance.com · okx.com · okx.com · bybit.eu · support.kraken.com · docs.whitebit.com · nexo.com · kucoin.com
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Not investment advice. Crypto assets are not government-insured; rates float; check the legal and tax status in your jurisdiction.