Crypto Interest Accounts: Compare Rates, Custody and Repayment

Crypto interest accounts are platform services that credit returns on eligible crypto balances. To compare them, identify what the balance represents, how the provider uses the assets, and what it must return. An advertised APR alone does not answer those questions.

Compare the rate applicable to your actual balance alongside the repayment terms. A higher percentage can describe a different asset or custody arrangement.

Compare the terms behind the balance

“Crypto interest account” does not identify a single standardized contract. Different earning services on one platform can have different terms.

Record the answers in token units first. If repayment is denominated in USDT, an entitlement to USDT does not by itself establish a fixed dollar sale price.

A real tiered-rate example: 13% does not apply to every unit

MEXC’s official Earn Plus event announcement for the campaign beginning November 12, 2026 advertises up to 13% APR on eligible holdings capped at 100,000 USDT. Its published tiers assign 12% to the first 50,000 USDT and 13% to the next 50,000 USDT.

At exactly 100,000 eligible USDT, the weighted simple APR is 12.5%: (50,000 × 12% + 50,000 × 13%) ÷ 100,000. At 50,000 eligible USDT, it is 12%. This calculation compares annualized tiers; it does not predict a year of earnings.

The announcement describes a limited-time promotion with benefits lasting at least 20 days from its start. The exact end date, live product rates and final settlement govern what is actually paid. The promotional cap does not establish the rate for any balance above 100,000 USDT.

The displayed token can differ from the underlying allocation

MEXC’s Earn Plus FAQ says users can redeem in their original subscription token while MEXC allocates assets into corresponding products, including other stablecoins. The MEXC Earn Plus explanation describes this distinction between the user-facing balance and the underlying allocation.

The Earn Plus section of the MEXC Earn Service Agreement states that Earn Plus deposits are excluded from the platform’s Proof of Reserves because of that deployment. It also distinguishes products with and without lock-in periods. Check the selected product’s terms rather than extending a platform-wide reserve figure or a flexible product description to every subscription.

For the timing of access, see the separate guide to flexible crypto savings accounts. That question matters, but it does not replace checking the repayment asset and deployment arrangement.

Choose the account after comparing the complete position

The tier calculation illustrates MEXC’s assessment: rank accounts using the rate applicable to the same principal and period, then assess custody and repayment separately. Check the offer accessible to your location and account; another eligibility group’s maximum rate may not apply.

For the earlier decision between staking, lending and an account service, see how to earn interest on crypto. Once the account route is selected, the terms above determine the exposure you accept.

Custody failure, underlying allocation losses, stablecoin price changes and redemption delays remain relevant risks. A balance denominated in a stablecoin and an annualized reward rate are not guarantees of its future dollar value.