最佳加密貨幣儲蓄帳戶：前 8 名提供者的快速概覽

加密貨幣儲蓄帳戶使投資者能夠從其持有的加密貨幣中賺取利息。它們就像加密錢包和銀行帳戶的混合體一樣，透過質押或投資加密貨幣來獎勵用戶存款。

Crypto savings accounts provide investors with the ability to earn interest from their cryptocurrency holdings. Working like a hybrid between a crypto wallet and a bank account, they reward users for deposits, either by staking or investing cryptocurrencies. They are therefore a good option for investors who plan to hold their tokens for longer periods of time.

加密貨幣儲蓄帳戶使投資者能夠從其持有的加密貨幣中賺取利息。它們就像加密錢包和銀行帳戶的混合體一樣，透過質押或投資加密貨幣來獎勵用戶存款。因此，對於計劃長期持有代幣的投資者來說，它們是一個不錯的選擇。

Investors can open crypto savings accounts with many of the leading exchanges, as well as with cryptocurrency lenders and investment firms. While the choice can often be intimidating, this article will help retail investors navigate the market and pick the best crypto savings account for them.

投資者可以在許多領先的交易所以及加密貨幣貸款機構和投資公司開設加密貨幣儲蓄帳戶。雖然選擇往往令人生畏，但本文將幫助散戶投資者駕馭市場並為他們選擇最佳的加密貨幣儲蓄帳戶。

Here's a quick rundown of the savings accounts we’ll feature –

以下是我們將介紹的儲蓄帳戶的簡要概述 –

#1 Pick

#1 選擇

Nexo

關係

Nexo

關係

Founded: 2018

成立時間：2018年

Cryptocurrency Support: 30+

加密貨幣支援：30+

APY: Up to 15%

年化報酬率：高達 15%

Check Nexo Now

立即檢查 Nexo

Nexo is a Zug-based cryptocurrency lender and trading platform known for offering the best crypto savings accounts. It provides such accounts through its Earn product, which is available for just over 30 cryptocurrencies, including Bitcoin, Litecoin, Ethereum, XRP, USDT, Dogecoin, Cardano, Solana, and Tron.

Nexo 是一家位於楚格的加密貨幣借貸和交易平台，以提供最佳的加密儲蓄帳戶而聞名。它透過其 Earn 產品提供此類帳戶，該產品適用於 30 多種加密貨幣，包括比特幣、萊特幣、以太坊、XRP、USDT、狗狗幣、卡爾達諾、Solana 和 Tron。

By depositing the eligible tokens, Nexo users can earn a yield of up to 15% APY, although they can top this up by an extra 2% when choosing to receive their interest in the form of the native NEXO token. It pays such high rates via its overcollateralized lending to other institutions, with its credit lines collateralized by anything from 200% to 500%.

透過存入符合條件的代幣，Nexo 用戶可以獲得高達 15% APY 的收益率，儘管當他們選擇以原生 NEXO 代幣的形式接收利息時，他們可以額外增加 2%。它透過向其他機構提供超額抵押貸款來支付如此高的利率，其信貸額度的抵押率為 200% 至 500%。

One of the benefits of Nexo is that it provides daily interest payouts, while the Flex option enables users to withdraw deposited funds at any time. Choosing fixed-term deposits, where funds are locked up for at least one month, provides the chance to earn higher yields.

Nexo 的好處之一是它提供每日利息支付，而 Flex 選項使用戶可以隨時提取存入的資金。選擇定期存款（資金被鎖定至少一個月）提供了賺取更高收益率的機會。

Nexo has very low minimum deposit amounts, requiring only 0.001 BTC to earn yields with Bitcoin, for example. It also allows you to stake Ethereum and earn a higher yield by choosing to receive rewards in the form of Nexo Staked Ethereum (NETH), with maximum rates rising from 8% to 12% in the latter option.

Nexo 的最低存款金額非常低，例如，只需 0.001 BTC 即可透過比特幣賺取收益。它還允許您質押以太坊並透過選擇以 Nexo 質押以太坊 (NETH) 的形式獲得獎勵來獲得更高的收益，後一種選擇的最高利率從 8% 升至 12%。

While certain cryptocurrency lenders (e.g., Celsius, Voyager) have collapsed in recent years, Nexo retains a strong reputation and is regulated in various countries worldwide, including as a Virtual Currency Operator in Italy.

雖然某些加密貨幣貸款機構（例如，Celsius、Voyager）近年來已經倒閉，但 Nexo 仍保持著良好的聲譽，並在全球多個國家/地區受到監管，包括作為義大利的虛擬貨幣營運商。

Pros

優點

- High interest rates of up to 15% APY on 30+ cryptocurrencies

- 30 多種加密貨幣的年利率高達 15%

- Daily interest payouts and the ability to withdraw at any time with Flex option

- 每日利息支付以及透過彈性選項隨時提取的能力

- Low minimum deposit amounts, starting at 0.001 BTC for Bitcoin savings

- 最低存款金額低，比特幣儲蓄從 0.001 BTC 起

- Staking Ethereum provides the chance to earn higher yields in the form of Nexo Staked Ethereum (NETH)

- 質押以太坊提供了以 Nexo 質押以太坊 (NETH) 形式賺取更高收益的機會

- Strong reputation and regulated in various countries, including as a Virtual Currency Operator in ItalyCons

- 在多個國家享有盛譽並受到監管，包括作為義大利的虛擬貨幣營運商

- Only a limited number of cryptocurrencies are supported for savings accounts

- 儲蓄帳戶僅支援有限數量的加密貨幣

- Higher interest rates are available only to those who choose to receive their rewards in the form of the native NEXO token

- 較高的利率僅適用於選擇以原生 NEXO 代幣形式接收獎勵的人

- Despite being one of the best crypto savings account providers, it isn't available in several countries, including the US#2 – Supports Most Crypto Coins

- 儘管是最好的加密貨幣儲蓄帳戶提供者之一，但它在包括美國在內的多個國家/地區不可用#2 – 支援大多數加密貨幣

YouHodler

尤霍德勒

YouHodler

尤霍德勒

Founded: 2018

成立時間：2018年

Cryptocurrency Support: 58

加密貨幣支援：58

APY: Up to 15%

年化報酬率：高達 15%

Check YouHodler Now

立即檢查 YouHodler

Regulated in the EU and Switzerland, YouHodler is arguably the best crypto savings account provider for European investors. It launched in 2018 and offers a highly competitive Yield Account that currently accepts 58 tokens, including Bitcoin, Ethereum, XRP, Solana, Litecoin, Tron, Avalanche, and Tether.

YouHodler 受到歐盟和瑞士的監管，可以說是歐洲投資者最好的加密貨幣儲蓄帳戶提供者。它於 2018 年推出，提供極具競爭力的收益帳戶，目前接受 58 種代幣，包括比特幣、以太坊、XRP、Solana、萊特幣、Tron、Avalanche 和 Tether。

Its Yield Account is highly accessible, allowing users to open the account at the Basic level with a minimum deposit of only $100. Current rates for the Basic tier range from 3% for Bitcoin and Ethereum to 7% for Litecoin and 10% for Tether, while trading or depositing more can qualify users for fixed deposits and higher levels of interest. What’s particularly good about YouHodler is that it pays interest every week.

其收益帳戶易於訪問，用戶只需最低存款 100 美元即可開設基本級別的帳戶。目前基本層的利率範圍為比特幣和以太坊的 3%、萊特幣的 7% 和 Tether 的 10%，而交易或存入更多資金可以使用戶有資格獲得定期存款和更高水準的利息。 YouHodler 特別好的一點是它每週都會支付利息。

There’s also a YouHodler Earn program, which works with a wider range of cryptocurrencies, including meme coins like Shiba Inu, Dogwifhat, Pepe, and Floki Inu. It can offer up to 15% interest on some coins, such as Pepe and Dogwifhat while providing the option of either daily or weekly payouts.

還有一個 YouHodler Earn 計劃，適用於更廣泛的加密貨幣，包括 Shiba Inu、Dogwifhat、Pepe 和 Floki Inu 等 Meme 幣。它可以為 Pepe 和 Dogwifhat 等某些代幣提供高達 15% 的利息，同時提供每日或每週支付的選項。

All in all, YouHolder offers one of the best crypto savings accounts in the industry and is also an excellent trading platform. Given that it’s regulated in Switzerland and the EU, users can take reassurance from the fact that it’s one of the most reliable platforms in the sector.

總而言之，YouHolder 提供了業界最好的加密貨幣儲蓄帳戶之一，也是一個出色的交易平台。鑑於它受到瑞士和歐盟的監管，用戶可以放心，因為它是該行業最可靠的平台之一。

Pros

優點

- Supports a massive range of cryptocurrencies for its savings accounts, including meme coins

- 其儲蓄帳戶支援多種加密貨幣，包括迷因幣

- Provides the option

- 提供選項