Our Mission

For years, crypto investors haven’t had access to basic financial products in the blockchain ecosystem. BlockFi bridges this gap by providing access to high-interest crypto accounts and low-cost credit products to clients worldwide.


Crypto Interest Account

The BlockFi Interest Account (BIA) lets you put your crypto to work and earn monthly interest payments in the asset-type that you deposit with BlockFi.

How to Earn Interest on Crypto

The blockchain industry is in growth mode. Businesses are building and investors are looking for ways to accumulate more capital. BlockFi Interest Account users can deposit their Bitcoin or Ether and earn up to 6% interest annually. Paid out on at the beginning of every month, the interest earned by account holders compounds, increasing the annual yield for our clients to 6.2%. This is an easy way for crypto investors to earn bitcoin while they HODL.

For example: With 6% compound interest, a BlockFi Interest Account user who deposits 1 Bitcoin, on February 28 will have an updated balance of 1.005 BTC at the end of March. This process repeats month over month until the user decides to withdraw their funds.

If the interest rate and deposited crypto’s price remain unchanged, the user who deposits 1 Bitcoin on February 28, 2019 will see their overall holdings increase to a value of 1.062 BTC (+6.2%) over a 12 month period.

BlockFi is dedicated to providing cryptoasset holders products and services available in the traditional financial world in the blockchain ecosystem. We started with our crypto-to-USD loans and continue expanding into financial services that focus on helping people manage their digital assets and grow their net worth. The BlockFi Interest account provides crypto holders with an easy way to earn bitcoin.

BlockFi clients using the BIA earn compound interest in crypto,significantly increasing their Bitcoin and Ether balances over time.

What Does BlockFi Do with Account Assets?

BlockFi generates interest on assets held in Interest Accounts by lending them to trusted institutional and corporate borrowers. To ensure loan performance, BlockFi typically lends crypto on overcollateralized terms (similar to the structure of our crypto-backed loans). Furthermore, BlockFi’s automated risk management system monitors positions 24/7, leveraging the same trusted risk management system used with BlockFi’s crypto-backed loans.  BlockFi has the ability to terminate a borrow in a timely fashion and also manages reserve balances to facilitate customer withdrawals from Interest Accounts.

BlockFi Interest Account Terms and Conditions

The BlockFi Interest Account is available to customers worldwide, with a few exceptions. For example, BlockFi is not available to users located in sanctioned or watchlist countries. Additionally, the Interest Account services customers everywhere in the U.S., except in certain states including  New York, Connecticut, and Washington.

The BlockFi Interest Account requires a minimum balance of 1 BTC or 25 ETH to be eligible to earn interest. Withdrawals are often pushed-through same-day, but BlockFi reserves up to 7 days to process a client fund withdrawal. These guidelines will change and improve as the Interest Account product grows and customer feedback is received.

Opening an account is quick and easy.

Learn more about how you can start earning interest or refer your friends by exploring our resource center

We’re providing wealth management solutions for crypto investors. At BlockFi, every client is treated like a whale.

Crypto Backed Loans

Crypto-backed loans allow you to access liquidity without selling. By using your crypto as collateral, you can unlock up to 50% of the value of your assets in USD. We fund same day through wire or stablecoin.

BlockFi clients use our crypto-backed loans to do anything from paying off credit card debt to buying a home. Businesses turn to BlockFi to help them with payroll financing and business expansion. There are many advantages to borrowing instead of selling, including tax benefits.

Don’t sell your crypto if you don’t have to.

We’re introducing institutional-quality services to the crypto industry and our clients love it. See what they’re saying.

The first and only interest-earning crypto account to offer compound interest.

Use Cases

  • Earn Bitcoin and Ether with Compound Interest
  • Home Loans: Bitcoin Crypto Loans for Real Estate
  • Auto Loan – Buying a Car
  • Diversifying Investment Portfolio with a Loan
  • Paying Down Credit Card Debt with Crypto

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