Best CeFi Platforms for Crypto Yield in 2026 2026

CeFi (centralised finance) platforms let you earn yield on your crypto without managing smart contracts or decentralised wallets. Unlike DeFi, they have a central operator managing risk. In 2026, the best CeFi platforms offer 3%–8% on stablecoins and 2%–5% on crypto such as BTC, ETH and SOL.

Products compared

8.00%

Best APY available

4.41%

Average APY

#	Entity	Product	APY	Score	Risk	Liquidity	View
1	Nexo	Nexo DAI Savings	8.00%	5.5	High	Instant	View →
2	Nexo	Nexo USDT Savings	5.50%	4.8	High	Instant	View →
3	Nexo	Nexo USDC Savings	5.50%	4.8	High	Instant	View →
4	Nexo	EURC Savings	5.50%	4.8	High	Instant	View →
5	Binance	Binance USDC Savings Flexible	5.00%	5.9	Low	Instant	View →
6	Binance	Binance SOL Staking 120 días	5.00%	2.7	Medium	Locked	View →
7	Maple Finance	Maple USDC Lending	4.24%	3.5	Medium	Varies	View →
8	Nexo	Nexo SOL Savings	4.00%	4.4	High	Instant	View →
9	Maple Finance	Maple USDT Lending	3.84%	3.4	Medium	Varies	View →
10	Binance	Binance ATOM Savings Flexible	3.79%	4.3	Medium	Instant	View →
11	Ondo Finance	Ondo USDY (Tokenized Treasuries)	3.55%	4.5	Low	Varies	View →
12	Binance	Binance DOT Staking 120 días	3.25%	2.2	Medium	Locked	View →
13	Nexo	Nexo ETH Savings	3.25%	4.2	High	Instant	View →
14	Binance	Binance USDT Savings Flexible	3.00%	5.4	Low	Instant	View →
15	Binance	Binance SOL Savings Flexible	2.68%	4.0	Medium	Instant	View →

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Frequently asked questions

What is the difference between CeFi and DeFi?

In CeFi you deposit assets on a centralised platform (like Nexo or Binance) that manages yield generation. You have an intermediary, but the process is simpler. In DeFi you interact directly with blockchain protocols via smart contracts: more control, but more technical complexity and smart contract risk.

Is Nexo safe?

Nexo is regulated in several jurisdictions and has maintained stable operations. However, it has no DGS guarantee or equivalent — if the platform fails, funds are at risk. It is important not to concentrate all savings on a single CeFi platform and to diversify.

What are stablecoin products in CeFi?

Stablecoins (USDC, USDT, DAI) are cryptocurrencies pegged to the dollar or euro. Depositing them on a CeFi platform allows yields of 5%–8% APY while avoiding BTC or ETH volatility. The main risks are platform counterparty risk and stablecoin de-pegging (rare but possible).

Are CeFi platform yields taxable in Spain?

Yes. Crypto yields from CeFi platforms are taxed as capital income (if treated as interest) or as capital gains (if received in tokens). The exact treatment depends on the product type. Consult a tax advisor specialised in cryptocurrencies.