Bitcoin holders face a familiar question: if you’re not trading, how can you make your BTC work for you? In 2026, a common answer is simple BTC savings accounts — products that let users earn interest on their holdings without complex staking or active trading.
This article compares three platforms with BTC savings options: Nexo, Clapp, and Ledn. Each has a different approach to yield, liquidity, and risk. Understanding these differences helps you choose the right solution for your BTC.
What a BTC Savings Account Is
A BTC savings account is a service that pays interest on deposited Bitcoin. Behind the scenes, the provider uses your BTC in lending markets, market-making, or other yield strategies. In return, you earn interest, typically expressed as an annual percentage yield (APY). The key variables among providers are how interest is generated, how often it is paid, and what access you have to your assets.
Clapp — Simple, Daily Interest, Full Access
Clapp Flexible Savings is built around simplicity and transparency. Once you deposit BTC, interest starts accruing immediately and is credited daily. There are no lock-ups, no penalty for early withdrawal, and no tiered rates that only a small subset of users can reach.
Clapp’s rate for BTC sits between conservative and competitive: higher than many exchange products but lower than aggressive headline APYs offered elsewhere (adjusted for risk and liquidity). Unlike fixed-term accounts, Clapp lets you withdraw or convert BTC at any time, keeping your funds liquid while earning yield.
What Sets Clapp Apart
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Daily compounding — interest accrues every day.
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Instant access — withdraw or move BTC at any time.
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Clear, displayed APY — no “up to” ranges or loyalty tiers.
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Regulated custody — Clapp Finance is a registered VASP in the EU with institutional-grade Fireblocks custody.
Clapp’s approach suits holders who want predictable passive income with full flexibility and transparency.
Nexo — High Yield With Loyalty Tiers and Optional Lock-Ins
Nexo has been a well-known yield provider for years, offering interest on BTC and other assets. Its model includes tiered interest rates and a loyalty program that increases yield for users who hold and stake its native token (NEXO). Nexo also offers higher rates on longer lock-in periods.
How Nexo’s Model Works
Nexo pays interest monthly, and yields can increase significantly if users lock funds or hold NEXO tokens. This structure can produce attractive APYs for dedicated holders willing to commit to the platform.
Trade-offs to Consider
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Complex rate structure — different rates apply based on staking and lock-ins.
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Lock-in requirements — higher yields often depend on committing BTC for set periods.
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Custodial model — Nexo holds and manages your BTC centrally.
Nexo appeals to users willing to trade liquidity and simplicity for potentially higher yield. However, the conditional nature of its best rates and reliance on internal token mechanics requires careful consideration.
Ledn — Conservative, Transparent, BTC-Focused Yield
Ledn’s BTC savings product emphasizes conservatism and clarity. The platform targets Bitcoin holders who want documented, predictable returns without high-risk mechanics.
Ledn issues interest monthly and focuses on fully collateralized lending models with regular proof-of-reserves attestations. Its yield is typically lower than highly promotional products but positioned as stable and transparent.
Ledn’s Key Strengths
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Fully collateralized lending — reduces counterparty risk.
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Proof-of-reserves — regular attestations confirm asset backing.
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BTC focus — narrow product set simplifies decision-making.
What to Consider
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Lower yields compared with more aggressive providers.
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Less flexibility than fully flexible models — though still designed for yield, not trading.
Ledn suits cautious Bitcoin holders who value transparency and risk management over maximized APY.
How Nexo, Clapp, and Ledn Compare
Feature
Clapp
Nexo
Ledn
Interest Type
Daily accrual
Monthly
Monthly
APY Style
Fixed, transparent
Tiered, conditional
Conservative, transparent
Liquidity
Instant access, no lock-ups
Varies; higher rates require lock-ins
Flexible but conservative
Asset Coverage
BTC, USDT, USDC, EUR
BTC, ETH, stablecoins, other tokens
BTC, USDC
Rate Transparency
Clearly displayed in app
Complex; depends on staking/lock-ins
Clear, documented
Custodial Model
Regulated EU VASP; Fireblocks custody
Centralized custodial
Centralized, proof-of-reserves
Risk Profile
Medium (regulated, liquid)
Medium-High (conditional yield)
Low-Medium (conservative lending)
Best For
Users seeking daily interest with full liquidity
Yield seekers comfortable with lock-ins/tiers
Conservative BTC holders wanting transparent yield
Minimum Deposit
Low (typically small entry)
Moderate (varies by tier)
Moderate
Choosing the Right BTC Savings Account
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Choose Clapp if you want daily interest, full liquidity, and a clean, transparent rate structure without lock-ups or token-based incentives.
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Choose Nexo if you are comfortable with a loyalty-tier model, are willing to stake or lock BTC for higher rates, and understand the trade-offs.
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Choose Ledn if you prefer a conservative, transparent yield backed by collateralized lending and regular attestations, even if the APY is modest.
Each provider serves a different type of holder. The best choice depends on whether you prioritize flexibility, yield potential, or risk and transparency.
Disclaimer: This article is provided for informational purposes only. It is not offered or intended to be used as legal, tax, investment, financial, or other advice.
