Deposit crypto, earn interest, and know exactly who is paying it. Rates, lock-ups and the risk attached to each product, stated plainly.
When you earn interest on crypto with be1crypto.com, you are lending an asset or delegating it to a network, and something on the other end is paying for that. Yield is never free. It is compensation for risk you have agreed to carry, and the size of the number is usually a direct readout of how much risk that is. A 1.2% flexible rate on Bitcoin and a 7% stablecoin rate are not two versions of the same product.
So the useful question is not how much, it is from where. This page answers that first: the three mechanisms that generate every rate we quote, the indicative APY and lock-up for each earn product, a worked compounding example with the real arithmetic, and how long it actually takes to get your funds back out. If you have not funded an account yet, start with how to buy crypto here; if you want to see what the assets have been doing, the live market page is the better starting point.
One thing worth reading before anything else: balances in earn products are not bank deposits, are not insured, and the rate can change. The SEC's investor alerts on crypto are blunt about how often high advertised yields have preceded failures in this sector, and they are worth ten minutes of your time. Our risk disclaimer sets out what we do and do not promise.
If a platform cannot tell you who is paying your interest, that is the answer to whether you should deposit. Here is ours, mechanism by mechanism.
Paid by the protocol
Proof-of-stake networks pay validators for proposing and attesting blocks. The reward is new issuance plus priority fees and, on Ethereum, a share of block-building revenue. This is the only yield on this page that is not somebody else's debt — but it is capped by the protocol's issuance curve, and it falls as the total amount staked network-wide rises.
Risk you carry: Slashing, validator downtime penalties, and an exit queue you cannot skip.
Paid by leveraged traders
Traders who want to go long with margin borrow stablecoins; traders who want to go short borrow the coin itself. The borrow rate they pay is the source of most double-digit stablecoin yields you see advertised anywhere in this industry. When the market is quiet, demand collapses and the rate drops with it.
Risk you carry: Borrower default in a fast liquidation cascade, when collateral sells for less than it was marked at.
Paid by people taking the other side
Market makers quote both sides of a pair and earn the spread and maker rebates. Providing the inventory that makes a book deep is a real service and it earns a real fee, which is the same economics behind the maker tier in our published pricing.
Risk you carry: Inventory risk. You end up holding more of whatever is falling, because that is what people sold you.
Staking is the mechanism most people underestimate, because the penalties are technical rather than financial. Ethereum's own developer documentation on proof-of-stake and validator duties explains slashing conditions and the exit queue in detail, and it is the reference we build our validator operations against. How those validator keys are stored is covered on our security page.
Ranges below are indicative and move with market conditions. The right-hand column is the part most comparison tables leave out.
| Product | Indicative APY | Lock-up | Minimum | Payout | The specific risk |
|---|---|---|---|---|---|
| Flexible savings (BTC, ETH) | 0.8% – 2.2% | None, withdraw any time | 0.001 BTC / 0.01 ETH | Accrues daily, paid daily | Rate is reset daily and can fall to near zero. You still carry the full price risk of the coin. |
| 30-day locked term | 3.0% – 4.5% | 30 days | $500 equivalent | Paid at maturity | Funds are unavailable for the full term. Early redemption returns your principal but forfeits accrued interest. |
| 90-day locked term | 4.5% – 6.5% | 90 days | $1,000 equivalent | Paid at maturity | A quarter is a long time in this market. You are exposed to both price moves and platform risk with no exit. |
| ETH staking | 2.8% – 4.0% | Unbonding queue, 3 – 21 days | 0.05 ETH | Accrues daily, swept periodically | Validator slashing and downtime penalties reduce the balance. Exit timing is set by the network, not by us. |
| Stablecoin earn (USDT, USDC) | 4.0% – 7.0% | None, or 30 days for the top tier | $100 | Accrues daily, paid daily | A stablecoin is an issuer IOU, not a dollar. Depeg and redemption-freeze risk sit underneath the yield. |
Subscribing to an earn product is free. Moving the asset is not: deposits, withdrawals and any conversion you make first are priced in the fee schedule. On a small balance, a single network withdrawal fee can outweigh a month of flexible-savings interest, so check that arithmetic before you chase twenty basis points.
Interest accrues every day and is added to the balance, so the next day's interest is calculated on a slightly larger number. Here is what that looks like in dollars.
| Point in the term | Balance | Interest earned |
|---|---|---|
| Day 1 | $5,000.60 | $0.60 |
| Day 30 | $5,018.12 | $18.12 |
| Day 90 | $5,054.56 | $54.56 |
| Day 180 | $5,109.72 | $109.72 |
| Day 365 | $5,225.00 | $225.00 |
$5,000 becomes $5,225.00 after twelve months. Total interest: $225.00. Day one pays about 60 cents. That is the whole effect, and it is deliberately unexciting.
APY already includes compounding. That is what the Y is for. A true 4.5% APY paid daily means the daily rate is 1.045 to the power of 1/365, minus one: roughly 0.012060% a day. Compound that 365 times and you land back on exactly 4.5%.
If a platform advertises 4.5% as a nominal annual rate and then compounds it daily, the same $5,000 reaches $5,230.12 instead, an effective 4.60%. The gap is only $5.12 here, but it widens fast at higher rates, and it tells you whether the headline number has been quoted honestly. Ask which one you are being shown.
The single most common complaint about earn products is not the rate. It is discovering, on the day you want the money, that you cannot have it yet.
Minutes
Redemption is processed in the same session and the balance returns to your spot wallet. This is the only product here with no waiting period, which is precisely why it pays the least. You are being paid less for keeping the option to leave.
To maturity, or forfeit
A 30 or 90-day term is a commitment in both directions. You can redeem early and we return the principal within one business day, but the accrued interest for that term is forfeited in full. Size a locked term to money you are certain you will not need.
3 – 21 days, network-set
Exiting a validator means joining a queue. Ethereum limits how many validators may leave per epoch to protect consensus, so the wait depends on how many others are exiting at the same time. Rewards stop accruing when you request the exit, not when the funds land.
Plan around the worst case, not the median. During volatile weeks, exit queues lengthen exactly when the most people want out, which is the same week you are most likely to want out yourself. If a position needs to be sellable on demand, keep it on the trading terminal rather than in an earn product.
Short answers to the four things support is asked most often about earn products.
No. Every rate on this page is indicative and variable. Flexible and stablecoin rates are reset daily in response to borrowing demand; staking rewards are set by the network. A locked term fixes your rate for the term once the subscription confirms, but nothing fixes it before that.
No. Crypto balances are not bank deposits. They carry no FDIC insurance and no SIPC coverage, and no government scheme reimburses you if the asset falls in value or if a counterparty fails. Read the risk disclaimer before you deposit anything you cannot afford to lose.
Yes, and it costs you the interest. Early redemption returns your principal in full, usually within one business day, but all accrued interest for that term is forfeited. There is no partial credit for the days already served.
In most jurisdictions, yes. Interest and staking rewards are generally treated as income at the fair market value on the day you receive them, separate from any capital gain when you later sell. We supply transaction exports, not tax advice. Talk to an accountant who handles digital assets.
Still deciding? How the platform works walks through custody and settlement end to end, about be1 crypto covers who operates it, and our team answers earn questions directly at support@be1cryptos.com or through the contact page.
Flexible savings from 0.8% APY, locked terms up to 6.5%, ETH staking from 0.05 ETH. Every rate indicative, every risk disclosed.