Yield App

What are the best high-interest crypto business accounts?

7 min read

Business treasury accounts are failing to achieve their main purpose if they are unable to deliver returns that can be put back into the business, in which case treasury management could be better utilized to bridge these shortfalls. 

Over the last year, more businesses have come to the realization that their treasury management can be done through decentralized finance (DeFi) using stablecoins. Here, businesses can transfer all or a portion of their treasuries into cryptocurrencies whose value is pegged to “real world” fiat currencies (predominantly the US dollar), in return for an annual percentage yield (APY) typically in excess of 10%. 

Depositing in stablecoins via a DeFi wealth management platform reduces the risk of investing directly in cryptocurrencies, yet it still enables businesses to earn high yields on their investments. 

What to look for in a cryptocurrency business account

The search for the right business cryptocurrency account begins with finding a reliable and secure organization that offers the best rates, features, and usability. 


The main attraction of cryptocurrency business accounts is the yields, which far exceed the low rates offered by traditional banks in many parts of the world.


Investors can choose to invest in the cryptocurrency or stablecoin of their choice. Some DeFi firms provide a wide selection of coins, while others prefer to concentrate on a limited few. 


Security is an important issue in the world of crypto, as accounts do not offer the same level of insurance as traditional bank accounts. However, fintech firms can offer protection to their investors in other ways. Crypto business accounts commonly employ insurance programs alongside best security practices, such as ensuring funds are divided between hot (online) or cold (offline) wallets at any one time.    


Some crypto business accounts allow users easier access to their accounts, while others pose restrictions.   

Rewards schemes

Cryptocurrency business accounts typically offer customers’ the opportunity to increase the yields they receive and reduce fees by making larger deposits, often through tiered programs that each offer a higher reward.  

Most crypto business accounts charge fees for deposits, withdrawals, and transactions, and in some cases gas fees (blockchain transaction fees) apply. 

Bonuses/special offers

It is common for cryptocurrency business accounts to offer added incentives to their new investors in the form of bonuses and promotions. 

The best high yield cryptocurrency business accounts

Yield App

Launched in February 2021, YIELD App is a decentralized wealth management platform founded and backed by some of fintech’s leading entrepreneurs, including the co-founder of Wirex, that has quickly garnered a large following. Just four months after launch the platform has attracted more than 43,000 users, and grown its assets under management (AUM) to over $144 million. 

YIELD App allows its users to invest in stablecoins (USDT and USDC) and Ether (ETH), and offers the most competitive rate in the market: up to 18% APY for the highest tier users. Account holders can move up through the tiers by holding YLD tokens in their wallets, with those holding 20,000 YLD tokens or more earning the full 18% APY. YIELD App’s APYs are historically stable: the company does not use short term rates for customer acquisition that are changed a few weeks later, unlike many of its competitors. 

YIELD App prioritizes fast, convenient access for its users and protects deposits via an in-house insurance pool, with plans to roll-out comprehensive, platform-wide insurance in coming months. Deposits are held in third-party custodian wallets and hot/cold wallet switching is practiced. For businesses, the platform also has a dedicated corporate team to facilitate B2B onboarding and answer companies' questions.

There are no fees to deposit into YIELD App, and just a $100 minimum deposit amount. Fixed fees are charged on withdrawals to external wallets at the rate of $10 for USDC and USDT, 0.01 ETH for ETH, and 20 YLD for YLD. Funds are also never locked and rewards can be redeemed at any time. YIELD App is easy for anyone to use and get started with quickly, and there is soon to be a generous referral rewards program.


Nexo is one of the older DeFi platforms. Established in 2017 it now has 1.5 million users and $15 billion AUM. It is possible to invest in 18 different cryptocurrencies, including six stablecoins, and three fiat currencies (USD, GBP, EUR). You can earn up to 10% APY, with a 2% bonus from earning in Nexo. 

Nexo leverages Ledger Vault solutions to insure digital assets up to $150 million, and BitGo for providing cold storage wallets. There are four different Nexo loyalty tiers, with up to five free withdrawals made every month, after which gas fees are applied. There are currently no sign-up bonuses offered. 


Celsius was also launched in 2017, with its native CEL token released in 2018. The network supports more than 30 currencies and stablecoins, including BTC, ETH, and USDT, and APYs currently range from 2% to 18%.

Digital assets held by Celsius are insured by the custodians FireBlocks and PrimeTrust. Like YIELD App, Celsius offers more interest for users that hold and agree to be paid interest in CEL, and payouts can be taken on a weekly basis. 


BlockFi is a US-based crypto platform that allows users to take out loans, make savings, and trade cryptocurrencies. Users can earn interest on BTC, LTC, ETH, USDC, PAX, and GUSD, with APYs that extend to 9.5%. Deposits can be made in digital coin or USD transfer, and interest can be received monthly in BTC, ETH, USDC, or GUSD. 

One free withdrawal from BlockFi accounts is permitted per month, after which there are fees of 0.0025 BTC, 0.0015 ETH, 0.0025 LTC, and 0.25 USD for stablecoins. BlockFi offers some promotions and special offers, including referrals and seasonal offers.  


Linus differs from other cryptocurrency accounts in that it only allows deposits and withdrawals in USD and all deposits are converted to USDC. It doesn’t enable any crypto trading and keeps investors at a distance from the crypto layer. It offers an APY of 4%, which is raised to 4.25% for deposits above $2,500 and 4.5% for deposits above $10,000.

There are no fees with Linus, however users must make a minimum deposit of $500 which doesn’t need to be maintained, although the account will be closed if it is left empty for a period of time. Funds are not locked but they are not immediately accessible. Linus offers both sign-up bonuses and refer-a-friend bonuses. 


Established in 2019, YouHODLer plays on the much-memed crypto-era term HODL (Hold On for Dear Life) and is a fintech platform for lending and saving. There are more than 30 cryptocurrencies and stablecoins available for crypto savings, with APYs that range from 2.5% to 12%. 

Users will have interest deposited into their savings accounts on a weekly basis, which they can choose to withdraw. Savings are safely stored in a combination of hot and cold wallets, and Ledger Vault technologies are deployed for better security practices. There are different fees charged for deposits made by cryptocurrency or bank transfer, and for each of the different withdrawal methods. 

There is a lot to consider in choosing a cryptocurrency savings account to meet particular needs, but for those businesses that hope to generate a return on their corporate treasuries, the move to a cryptocurrency business account should be a beneficial one.  

Are you interested in a business account that pays a secure and sustainable yield? Sign up for a Yield App corporate account today! 

DISCLAIMER: The content of this article does not constitute financial advice and is for informational purposes only. The price of digital assets can go down as well as up, and you may lose all of your capital. Investors should consult a professional advisor before making any investment decisions.


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