2024 年最佳加密貨幣儲蓄帳戶 - 高收益和強安全性

讓你的加密貨幣閒置是沒有意義的，對吧？這就是加密貨幣儲蓄帳戶的用武之地。

There’s no sense in letting your crypto sit idly by, right? That’s where crypto savings accounts come in. In 2024, many platforms offer enticing yields with high APY. However, steering through these accounts requires careful consideration.

讓你的加密貨幣閒置是沒有意義的，對吧？這就是加密貨幣儲蓄帳戶的用武之地。然而，透過這些帳戶進行引導需要仔細考慮。

With features like flexible withdrawals and daily compounding interest, you’ll want to guarantee you’re choosing the right platform for your needs. Let’s take a closer look at the best crypto savings accounts in 2024 and explore how they can help you achieve your investment goals.

憑藉靈活提款和每日複利等功能，您需要確保選擇適合您需求的平台。讓我們仔細看看 2024 年最好的加密貨幣儲蓄帳戶，並探討它們如何幫助您實現投資目標。

Key highlights:

主要亮點：

8 best crypto savings accounts in 2024 – a closer look

2024 年 8 個最佳加密貨幣儲蓄帳戶 – 仔細觀察

Let’s dive right into the best crypto savings accounts. We’ll list each platform’s features and APYs, as well as their pros and cons to help you choose the best crypto savings account for you.

讓我們直接深入了解最好的加密貨幣儲蓄帳戶。我們將列出每個平台的功能和 APY，以及它們的優缺點，以幫助您選擇最適合您的加密貨幣儲蓄帳戶。

1. Kraken – Highest APY and great for beginners

1. Kraken – 最高的 APY，非常適合初學者

Kraken allows you to earn interest on your cryptocurrency holdings through staking and yield farming, with select assets offering up to 26% annual percentage yield (APY).

Kraken 讓您透過質押和收益耕作賺取您持有的加密貨幣的利息，精選資產的年收益率 (APY) 高達 26%。

Security is a top priority, with advanced features like two-factor authentication (2FA) and cold storage for protecting your assets against potential hacks. Their dedication to security makes them one of the safest crypto exchanges.

安全性是重中之重，具有雙重認證 (2FA) 和冷儲存等高級功能，可保護您的資產免受潛在駭客攻擊。他們對安全的奉獻使他們成為最安全的加密貨幣交易所之一。

The platform is also very user and beginner-friendly. The user interface is designed for ease of use, and you can seamlessly deposit, withdraw, and manage your investments. Detailed analytics and reporting tools provide you with a thorough overview of your earnings and track your account performance over time.

該平台也非常適合用戶和初學者。使用者介面的設計易於使用，您可以無縫地存款、提款和管理您的投資。詳細的分析和報告工具可讓您全面了解您的收入，並追蹤您的帳戶隨時間的表現。

Kraken’s customer support is responsive and available through various channels. Assistance is readily available for managing your account and addressing any technical difficulties that you might experience

Kraken 的客戶支援反應迅速，可透過多種管道取得。我們隨時提供協助來管理您的帳戶並解決您可能遇到的任何技術困難

Withdrawal fees do apply, and there is a minimum requirement for each withdrawal, so you are incentivized to withdraw in bulk, as opposed to doing it in increments.

提款費用確實適用，每次提款都有最低要求，因此您會被鼓勵批量提款，而不是增量提款。

With its solid security features and user-friendly interface, Kraken’s crypto savings account is a reliable choice if you want to earn interest on your cryptocurrency holdings. It sets a high standard for crypto savings accounts, and it’s an overall secure, efficient, and easy way to put your digital assets to work for you.

憑藉其可靠的安全功能和用戶友好的介面，如果您想透過持有的加密貨幣賺取利息，Kraken 的加密貨幣儲蓄帳戶是一個可靠的選擇。它為加密儲蓄帳戶設定了高標準，並且是一種讓您的數位資產為您服務的整體安全、高效且簡單的方法。

See our Kraken exchange overview to learn more about the platform’s suite of features.

請參閱我們的 Kraken 交易所概述，以了解有關該平台功能套件的更多資訊。

Pros:

優點：

High APY of up to 26% on select assets

特定資產的年化年利率高達 26%

User-friendly and beginner-friendly platform

使用者友善且適合初學者的平台

Advanced security measures like 2FA and cold storage

先進的安全措施，如 2FA 和冷存儲

Cons:

缺點：

Withdrawal fees and minimum withdrawal amounts

提款費用和最低提款金額

Visit Kraken

參觀克拉肯

2. Nexo – High rewards for NEXO token holders

2. Nexo – NEXO 代幣持有者的高額獎勵

Whenever someone mentions earning interest on your crypto assets, Nexo is often the first platform that pops to mind. It allows you to earn up to 14% APY, with daily interest payouts and flexible lock-in periods that enhance liquidity.

每當有人提到透過加密資產賺取利息時，Nexo 通常是第一個浮現在腦海中的平台。它可讓您賺取高達 14% 的年化收益，每日利息支付和靈活的鎖定期可增強流動性。

The platform supports over 200 cryptocurrencies, so it’s a very versatile choice for investors with diverse portfolios.

該平台支援 200 多種加密貨幣，因此對於擁有多元化投資組合的投資者來說，這是一個非常通用的選擇。

You benefit from a loyalty program that rewards you with higher interest rates based on your holding of Nexo tokens. This feature boosts your earnings and incentivizes long-term strategic investing.

您可以從忠誠度計劃中受益，該計劃根據您持有的 Nexo 代幣獎勵您更高的利率。此功能可以提高您的收入並激勵長期策略投資。

What’s important to mention is that Nexo doesn’t impose lock-in periods, which gives you the flexibility to withdraw your funds without penalties. This liquidity is always great to have and helps you manage your crypto savings effectively.

值得一提的是，Nexo 不施加鎖定期，這使您可以靈活地提取資金而不會受到處罰。這種流動性總是很棒的，可以幫助您有效地管理您的加密貨幣儲蓄。

As a dedicated crypto savings platform, Nexo of course values security highly. They employ advanced measures including insurance for digital assets to safeguard your funds against potential risks.

作為一個專門的加密儲蓄平台，Nexo 當然高度重視安全性。他們採用包括數位資產保險在內的先進措施來保護您的資金免受潛在風險。

A user-friendly interface and mobile access make it easy for you to manage your savings and track earnings in real time, which makes your crypto savings accounts both secure and accessible.

用戶友好的介面和行動存取可讓您輕鬆管理您的儲蓄並即時追蹤收入，這使您的加密貨幣儲蓄帳戶既安全又易於存取。

Pros:

優點：

High APY of up to 14%

年化報酬率高達 14%

Supports over 200 cryptocurrencies

支援超過 200 種加密貨幣

Loyalty program for Nexo token holders

Nexo 代幣持有者的忠誠度計劃

Cons:

缺點：

No lock-in periods, which may not suit everyone

沒有鎖定期，這可能不適合所有人

Visit Nexo

造訪內克索

3. Coinbase – No lock-in preriods

3. Coinbase – 無鎖定期

Coinbase has a highly user-friendly platform that supports multiple cryptocurrencies and allows for seamless management of assets and interest earnings.

Coinbase 擁有高度用戶友好的平台，支援多種加密貨幣，並允許無縫管理資產和利息收入。

They offer a tiered interest rate structure that offers up to 12% APY on certain cryptocurrencies and up to around 5% APY on stablecoins like USDC. Their security measures include 2FA and cold storage for the majority of its digital assets.

他們提供分層利率結構，對某些加密貨幣提供高達 12% 的年利率，對 USDC 等穩定幣提供高達 5% 左右的年利率。他們的安全措施包括針對大部分數位資產的 2FA 和冷儲存。

One of the great advantages of using Coinbase for crypto savings accounts is that you can immediately access your earned interest. Similarly to Nexo, you can redeem your earnings at any time without lock-in periods.

使用 Coinbase 進行加密貨幣儲蓄帳戶的一大優勢是您可以立即獲得您賺取的利息。與 Nexo 類似，您可以隨時兌換收益，無需鎖定期。

Unfortunately, withdrawal fees apply and they can be fairly expensive, which could impact your overall returns when accessing funds from the account.

不幸的是，需要支付提款費用，而且費用可能相當昂貴，這可能會影響您從帳戶提取資金時的整體回報。

Also worth mentioning is that Coinbase integrates with mobile applications, so you can manage your crypto savings accounts and transactions on the go.

另外值得一提的是，Coinbase 與行動應用程式集成，因此您可以隨時隨地管理您的加密貨幣儲蓄帳戶和交易。

This combination of security, accessibility, and ease of use makes Coinbase a great choice, especially for those who

安全性、可訪問性和易用性的結合使 Coinbase 成為一個不錯的選擇，特別是對於那些