2024 年最佳加密货币储蓄账户 - 高收益和强安全性

让你的加密货币闲置是没有意义的，对吧？这就是加密货币储蓄账户的用武之地。到 2024 年，许多平台都会提供诱人的收益

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.

让你的加密货币闲置是没有意义的，对吧？这就是加密货币储蓄账户的用武之地。到 2024 年，许多平台都会提供诱人的收益率和高年利率。然而，通过这些账户进行引导需要仔细考虑。

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.

凭借灵活提款和每日复利等功能，您需要确保选择适合您需求的平台。让我们仔细看看 2024 年最好的加密货币储蓄账户，并探讨它们如何帮助您实现投资目标。

Key highlights:

主要亮点：

8 best crypto savings accounts in 2024 – a closer look

2024 年 8 个最佳加密货币储蓄账户 – 仔细观察

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.

让我们直接深入了解最好的加密货币储蓄账户。我们将列出每个平台的功能和 APY，以及它们的优缺点，以帮助您选择最适合您的加密货币储蓄账户。

1. Kraken – Highest APY and great for beginners

1. Kraken – 最高的 APY，非常适合初学者

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 允许您通过质押和收益耕作赚取您持有的加密货币的利息，精选资产的年收益率 (APY) 高达 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，具有双因素身份验证 (2FA) 和冷存储等高级功能，可保护您的资产免受潜在黑客攻击。他们对安全的奉献使他们成为最安全的加密货币交易所之一。

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.

该平台也非常适合用户和初学者。用户界面的设计易于使用，您可以无缝地存款、取款和管理您的投资。详细的分析和报告工具可让您全面了解您的收入，并跟踪您的账户随时间的表现。

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 的客户支持响应迅速，可通过多种渠道获得。我们随时提供帮助来管理您的帐户并解决您可能遇到的任何技术困难

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.

提款费用确实适用，并且每次提款都有最低要求，因此您会被鼓励批量提款，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.

凭借其可靠的安全功能和用户友好的界面，如果您想通过持有的加密货币赚取利息，Kraken 的加密货币储蓄账户是一个可靠的选择。它为加密储蓄账户设定了高标准，并且是一种让您的数字资产为您服务的整体安全、高效且简单的方法。

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

请参阅我们的 Kraken 交易所概述，了解有关该平台功能套件的更多信息。

Pros:

优点：

High APY of up to 26% on select assets

特定资产的年化年利率高达 26%

User-friendly and beginner-friendly platform

用户友好且适合初学者的平台

Advanced security measures like 2FA and cold storage

先进的安全措施，如 2FA 和冷存储

Cons:

缺点：

Withdrawal fees and minimum withdrawal amounts

提款费用和最低提款金额

Visit Kraken

参观克拉肯

2. Nexo – High rewards for NEXO token holders

2. Nexo – NEXO 代币持有者的高额奖励

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.

每当有人提到通过加密资产赚取利息时，Nexo 通常是第一个浮现在脑海中的平台。它可让您赚取高达 14% 的年化收益，每日利息支付和灵活的锁定期可增强流动性。

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

该平台支持 200 多种加密货币，因此对于拥有多元化投资组合的投资者来说，这是一个非常通用的选择。

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.

您可以从忠诚度计划中受益，该计划根据您持有的 Nexo 代币奖励您更高的利率。此功能可以提高您的收入并激励长期战略投资。

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 不施加锁定期，这使您可以灵活地提取资金而不会受到处罚。这种流动性总是很棒的，可以帮助您有效地管理您的加密货币储蓄。

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.

作为一个专门的加密储蓄平台，Nexo 当然高度重视安全性。他们采用包括数字资产保险在内的先进措施来保护您的资金免受潜在风险。

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.

用户友好的界面和移动访问使您可以轻松管理您的储蓄并实时跟踪收入，这使您的加密货币储蓄账户既安全又易于访问。

Pros:

优点：

High APY of up to 14%

年化收益率高达 14%

Supports over 200 cryptocurrencies

支持超过 200 种加密货币

Loyalty program for Nexo token holders

Nexo 代币持有者的忠诚度计划

Cons:

缺点：

No lock-in periods, which may not suit everyone

没有锁定期，这可能不适合所有人

Visit Nexo

访问内克索

3. Coinbase – No lock-in preriods

3. Coinbase – 无锁定期

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

Coinbase 拥有高度用户友好的平台，支持多种加密货币，并允许无缝管理资产和利息收入。

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.

他们提供分层利率结构，对某些加密货币提供高达 12% 的年利率，对 USDC 等稳定币提供高达 5% 左右的年利率。他们的安全措施包括针对大部分数字资产的 2FA 和冷存储。

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 进行加密货币储蓄账户的一大优势是您可以立即获取您赚取的利息。与 Nexo 类似，您可以随时兑换收益，无需锁定期。

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，需要支付提款费用，而且费用可能相当昂贵，这可能会影响您从账户提取资金时的整体回报。

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 与移动应用程序集成，因此您可以随时随地管理您的加密货币储蓄账户和交易。

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

安全性、可访问性和易用性的结合使 Coinbase 成为一个不错的选择，特别是对于那些