Staking is the process of locking cryptocurrencies on a Proof of Stake network to help validate transactions and receive rewards. APYData compares the best staking APYs on centralised exchanges like Binance, where you can stake SOL, DOT, ATOM and other cryptocurrencies with flexible or fixed-term options. A way to generate passive income on crypto assets you already hold.
| # | Entity | Product | APY | Score | Risk | Liquidity | View |
|---|---|---|---|---|---|---|---|
| 1 |
Binance
|
Binance DOT Staking 120 días | 6.50% | 3.1 | Medium | Locked | View → |
| 2 |
Binance
|
Binance ATOM Savings Flexible | 5.77% | 4.9 | Medium | Instant | View → |
| 3 |
Binance
|
Binance USDC Savings Flexible | 5.00% | 5.9 | Low | Instant | View → |
| 4 |
Binance
|
Binance SOL Staking 120 días | 5.00% | 2.7 | Medium | Locked | View → |
| 5 |
Maple Finance
|
Maple USDC Lending | 4.42% | 3.5 | Medium | Varies | View → |
| 6 |
Maple Finance
|
Maple USDT Lending | 4.02% | 3.4 | Medium | Varies | View → |
| 7 |
Ondo Finance
|
Ondo USDY (Tokenized Treasuries) | 3.55% | 4.5 | Low | Varies | View → |
| 8 |
Binance
|
Binance USDT Savings Flexible | 3.00% | 5.4 | Low | Instant | View → |
| 9 |
Binance
|
Binance SPK Savings Flexible | 2.52% | 3.0 | High | Instant | View → |
| 10 |
Binance
|
Binance SOL Savings Flexible | 2.43% | 3.9 | Medium | Instant | View → |
| 11 |
Binance
|
Binance DOT Savings Flexible | 2.41% | 3.9 | Medium | Instant | View → |
| 12 |
Binance
|
Binance ETH Staking 90 días | 2.40% | 1.9 | Medium | Locked | View → |
| 13 |
Binance
|
Binance MORPHO Savings Flexible | 2.30% | 2.9 | High | Instant | View → |
| 14 |
Binance
|
Binance ADA Staking 120 días | 1.68% | 1.7 | Medium | Locked | View → |
| 15 |
Binance
|
Binance BTC Savings Flexible | 0.25% | 3.3 | Medium | Instant | View → |
| 16 |
Binance
|
Binance ETH Savings Flexible | 0.10% | 3.3 | Medium | Instant | View → |
Cryptocurrency staking lets you generate passive income by holding assets on a Proof of Stake blockchain. Unlike bank deposits, staking has no capital guarantee: the main risk is not the staking mechanism itself, but the price volatility of the underlying asset.
Exchange staking (Binance, Kraken): you deposit your crypto on the platform and it handles the technical staking. Simplest option with better liquidity in flexible mode. Risk includes platform risk (centralised custody).
Native staking (directly on-chain): you connect your wallet directly to the blockchain. Maximum control and no centralised counterparty risk, but requires technical knowledge and higher minimums (32 ETH for native Ethereum staking).
A bank deposit guarantees the APY regardless of market conditions and is protected up to €100,000 by the DGS. Staking can offer more than double the yield, but if the asset falls 30%, your net result will be negative. It makes sense as a complement for those who are already holding crypto long-term.
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