CoinDepo Earn Rates Update: A More Sustainable Rate Model
As CoinDepo continues to mature, we are taking the next step in optimizing our Earn rate model.
During our earlier growth stage, CoinDepo was strongly focused on expansion — investing heavily in platform development, client acquisition, and growing our presence across new markets.
Today, we are moving toward a more balanced long-term model — one that keeps CoinDepo highly competitive while making rates more sustainable and better aligned with the economics of each individual asset.
This continues the rate optimization approach we introduced earlier this year.
📊 Updated Earn Rates
The new structure introduces greater differentiation between assets and a clearer advantage for longer-term Interest Accounts.
Current APR → New APR. All figures are %.
Stablecoins
| Asset | Daily | Weekly | Monthly | Quarterly | Semi-annual | Annual |
|---|---|---|---|---|---|---|
| USDT | 17% → 15% | 17.5% → 16% | 19% → 17.5% | 20% → 19% | 21% → 20% | 23% → 22% |
| USDC | 17% → 15% | 17.5% → 16% | 19% → 17.5% | 20% → 19% | 21% → 20% | 23% → 22% |
| DAI | 17% → 13% | 17.5% → 14% | 19% → 15.5% | 20% → 17% | 21% → 18% | 23% → 20% |
Gold Assets
| Asset | Daily | Weekly | Monthly | Quarterly | Semi-annual | Annual |
|---|---|---|---|---|---|---|
| PAXG | 17% → 14.5% | 17.5% → 15.5% | 19% → 17% | 20% → 18.5% | 21% → 19.5% | 23% → 21.5% |
| XAUt | 17% → 14.5% | 17.5% → 15.5% | 19% → 17% | 20% → 18.5% | 21% → 19.5% | 23% → 21.5% |
Cryptocurrencies
| Asset | Daily | Weekly | Monthly | Quarterly | Semi-annual | Annual |
|---|---|---|---|---|---|---|
| COINDEPO | 19% → 16% | 19.5% → 17% | 21% → 18.5% | 22% → 20% | 23% → 21% | 25% → 23% |
| BTC | 12% → 11% | 12.5% → 12% | 14% → 13.5% | 15% → 15% | 16% → 16% | 18% → 18% |
| ETH | 12% → 11% | 12.5% → 12% | 14% → 13.5% | 15% → 15% | 16% → 16% | 18% → 18% |
| BNB | 12% → 10.5% | 12.5% → 11.5% | 14% → 13% | 15% → 14.5% | 16% → 15.5% | 18% → 17.5% |
| XRP | 12% → 11% | 12.5% → 12% | 14% → 13.5% | 15% → 15% | 16% → 16% | 18% → 18% |
| SOL | 12% → 11% | 12.5% → 12% | 14% → 13.5% | 15% → 15% | 16% → 16% | 18% → 18% |
| DOGE | 12% → 9.5% | 12.5% → 10.5% | 14% → 12% | 15% → 13.5% | 16% → 14.5% | 18% → 16.5% |
| ADA | 12% → 9.5% | 12.5% → 10.5% | 14% → 12% | 15% → 13.5% | 16% → 14.5% | 18% → 16.5% |
| TRX | 12% → 9% | 12.5% → 10% | 14% → 11.5% | 15% → 13% | 16% → 14% | 18% → 16% |
| LINK | 12% → 10.5% | 12.5% → 11.5% | 14% → 13% | 15% → 14.5% | 16% → 15.5% | 18% → 17.5% |
| SHIB | 12% → 9% | 12.5% → 10% | 14% → 11.5% | 15% → 13% | 16% → 14% | 18% → 16% |
| AVAX | 12% → 9% | 12.5% → 10% | 14% → 11.5% | 15% → 13% | 16% → 14% | 18% → 16% |
| LTC | 12% → 9.5% | 12.5% → 10.5% | 14% → 12% | 15% → 13.5% | 16% → 14.5% | 18% → 16.5% |
| BCH | 12% → 8.5% | 12.5% → 9.5% | 14% → 11% | 15% → 12.5% | 16% → 13.5% | 18% → 15.5% |
| XLM | 12% → 11% | 12.5% → 12% | 14% → 13.5% | 15% → 15% | 16% → 16% | 18% → 18% |
| NEAR | 12% → 9.5% | 12.5% → 10.5% | 14% → 12% | 15% → 13.5% | 16% → 14.5% | 18% → 16.5% |
| POL | 12% → 8.5% | 12.5% → 9.5% | 14% → 11% | 15% → 12.5% | 16% → 13.5% | 18% → 15.5% |
| ATOM | 12% → 8.5% | 12.5% → 9.5% | 14% → 11% | 15% → 12.5% | 16% → 13.5% | 18% → 15.5% |
| ETC | 12% → 8.5% | 12.5% → 9.5% | 14% → 11% | 15% → 12.5% | 16% → 13.5% | 18% → 15.5% |
| FIL | 12% → 5% | 12.5% → 6% | 14% → 7.5% | 15% → 9% | 16% → 10% | 18% → 12% |
| AAVE | 12% → 8.5% | 12.5% → 9.5% | 14% → 11% | 15% → 12.5% | 16% → 13.5% | 18% → 15.5% |
| ALGO | 12% → 9% | 12.5% → 10% | 14% → 11.5% | 15% → 13% | 16% → 14% | 18% → 16% |
| PEPE | 12% → 9% | 12.5% → 10% | 14% → 11.5% | 15% → 13% | 16% → 14% | 18% → 16% |
| ONDO | 12% → 10% | 12.5% → 11% | 14% → 12.5% | 15% → 14% | 16% → 15% | 18% → 17% |
| GRAM | 12% → 7.5% | 12.5% → 8.5% | 14% → 10% | 15% → 11.5% | 16% → 12.5% | 18% → 14.5% |
📈 EURC Rates Increase on October 9
EURC is moving in the opposite direction: its rates will increase slightly from October 9, 2026, reflecting our move toward more asset-specific pricing.
| Asset | Daily | Weekly | Monthly | Quarterly | Semi-annual | Annual |
|---|---|---|---|---|---|---|
| EURC | 10% → 10% | 10.5% → 11% | 12% → 12.5% | 13% → 14% | 14% → 15% | 16% → 17% |
📌 What Happens to Existing Interest Accounts?
Nothing changes for an active fixed-term Interest Account.
If you opened a Monthly, Quarterly, Semi-Annual or Annual account before the new rates take effect, your existing APR remains locked until the end of that account period.
The updated APR will apply only when a new Interest Account is opened or an existing account is renewed after the effective date.
CoinDepo will continue reviewing rates as market conditions and capital deployment opportunities evolve — balancing competitive returns for clients with a sustainable long-term business model.
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