Gemini Interest Rates: Key Info For 2024

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Interest rates play a pivotal role in the financial world. They influence the way we manage our assets and invest in the digital age. 

Gemini has its own set of interest and staking rates that cater to various financial needs. 

In this article, I will delve into the world of Gemini interest rates and staking opportunities.

I will be providing you with an in-depth understanding of how they work and what they offer.

DisclaimerThe information provided on this website is for informational purposes only and should not be considered as financial, investment, or legal advice. Cryptocurrency investments are volatile and high-risk in nature. Consult with a qualified financial advisor and/or tax professional before making any investment decisions. We are not responsible for any loss incurred due to the use of information on this website. Do your own research and exercise caution. Don’t invest unless you’re prepared to lose all the money you invest.

Gemini Interest Rates


Coin Current rates
1INCH 8.05% (Base APY, paid in kind) / 8.05% (Max APY)
AAVE 1.27% (Base APY, paid in kind) / 1.27% (Max APY)
ALCX 6.18% (Base APY, paid in kind) / 6.18% (Max APY)
AMP 0.45% (Base APY, paid in kind) / 0.45% (Max APY)
ANKR 1.24% (Base APY, paid in kind) / 1.24% (Max APY)
APE 6.10% (Base APY, paid in kind) / 6.10% (Max APY)
AXS 6.83% (Base APY, paid in kind) / 6.83% (Max APY)
BAL 6.12% (Base APY, paid in kind) / 6.12% (Max APY)
BAT 1.01% (Base APY, paid in kind) / 1.01% (Max APY)
BHC 5.33% (Base APY, paid in kind) / 5.33% (Max APY)
BNT 7.15% (Base APY, paid in kind) / 7.15% (Max APY)
BTC 2.53% (Base APY, paid in kind) / 2.75% (Max APY)
CHZ 1.49% (Base APY, paid in kind) / 1.49% (Max APY)
COMP 2.28% (Base APY, paid in kind) / 2.28% (Max APY)
CRV 6.24% (Base APY, paid in kind) / 6.24% (Max APY)
DAI 4.92% (Base APY, paid in kind) / 4.92% (Max APY)
DOGE 1.01% (Base APY, paid in kind) / 1.01% (Max APY)
ETH 2.28% (Base APY, paid in kind) / 2.53% (Max APY)
FET 6.18% (Base APY, paid in kind) / 6.18% (Max APY)
FIL 7.25% (Base APY, paid in kind) / 7.25% (Max APY)
FTM 1.27% (Base APY, paid in kind) / 1.27% (Max APY)
GRT 2.50% (Base APY, paid in kind) / 2.50% (Max APY)
GUSD 5.65% (Base APY, paid in kind) / 5.92% (Max APY)
INJ 1.25% (Base APY, paid in kind) / 1.25% (Max APY)
KNC 1.25% (Base APY, paid in kind) / 1.25% (Max APY)
LINK 0.45% (Base APY, paid in kind) / 0.45% (Max APY)
LPT 0.74% (Base APY, paid in kind) / 0.74% (Max APY)
LRC 4.03% (Base APY, paid in kind) / 4.03% (Max APY)
LTC 1.51% (Base APY, paid in kind) / 1.51% (Max APY)
MANA 0.75% (Base APY, paid in kind) / 0.75% (Max APY)
MATIC 4.86% (Base APY, paid in kind) / 5.13% (Max APY)
MIR 0.50% (Base APY, paid in kind) / 0.50% (Max APY)
MKR 1.26% (Base APY, paid in kind) / 1.26% (Max APY)
OXT 0.45% (Base APY, paid in kind) / 0.45% (Max APY)
PAXG 0.45% (Base APY, paid in kind) / 0.45% (Max APY)
RBN 1.94% (Base APY, paid in kind) / 1.94% (Max APY)
REN 0.45% (Base APY, paid in kind) / 0.45% (Max APY)
RLY 6.18% (Base APY, paid in kind) / 6.18% (Max APY)
SKL 1.49% (Base APY, paid in kind) / 1.49% (Max APY)
SNX 6.18% (Base APY, paid in kind) / 6.18% (Max APY)
SOL 5.06% (Base APY, paid in kind) / 5.06% (Max APY)
STORJ 3.05% (Base APY, paid in kind) / 3.05% (Max APY)
SUSHI 2.50% (Base APY, paid in kind) / 2.50% (Max APY)
TOKE 2.24% (Base APY, paid in kind) / 2.24% (Max APY)
UMA 0.45% (Base APY, paid in kind) / 0.45% (Max APY)
UNI 1.01% (Base APY, paid in kind) / 1.01% (Max APY)
USDC 4.86% (Base APY, paid in kind) / 5.13% (Max APY)
XTZ 3.00% (Base APY, paid in kind) / 3.00% (Max APY)
YFI 1.73% (Base APY, paid in kind) / 1.73% (Max APY)
ZEC 0.45% (Base APY, paid in kind) / 0.45% (Max APY)
ZRX 1.25% (Base APY, paid in kind) / 1.25% (Max APY)

Interest rates per coin

Key Takeways


  • Gemini offers diverse interest rates for various cryptocurrencies, such as 8.05% for 1INCH and 1.27% for AAVE
  • The termination of Gemini Earn in 2022 shifted the focus to staking and Staking Pro features due to withdrawal challenges faced by its partner, Genesis
  • Staking rewards on Ethereum, Solana, and Polygon allow users to earn passive income with competitive Annual Percentage Yields (APY)
  • Gemini provides different staking methods, including Pooled Staking and Staking Pro

What Are Gemini Interest Rates?

Interest rates are the cost of borrowing or the return on investment for lending money. Interest rates play a fundamental role in savings, investments, and loans. They define the potential for earning passive income on digital assets.

As we dive deeper, I'll explore the specific rates, products, and terms they offer. I’ll explain what you need to know about Gemini Earn. 

This way, you will have the insights needed to make informed financial decisions in crypto.

Disclaimer: The information provided on this website is for informational purposes only and should not be considered as financial, investment, or legal advice. Cryptocurrency investments are volatile and high-risk in nature. Consult with a qualified financial advisor and/or tax professional before making any investment decisions. We are not responsible for any loss incurred due to the use of information on this website. Do your own research and exercise caution. Don’t invest unless you’re prepared to lose all the money you invest.

What Happened to Gemini Earn

Gemini Earn was a lending program offered by Gemini in partnership with Genesis, a subsidiary of Digital Currency Group (DCG). With this program, Gemini customers could loan their crypto assets to Genesis and receive interest payments.

In November 2022, Genesis announced that it would prevent investors from withdrawing their crypto assets. Due to the volatility of the market, it lacked sufficient liquidy assets to meet withdrawal requests.

This is why Gemini terminated the Gemini Earn program. 

Still, Gemini has a lot to offer to its users. The best way to utilize Gemini now would be through its Staking and Staking Pro features.

Pros and Cons of Gemini Interest Savings

Here are the key pros and cons of using Gemini for earning interest: 

Gemini Interest Account - Pros and Cons
Pros Cons
Gemini provides a variety of trading and staking products The inherent volatility of cryptocurrencies can impact the overall returns on interest-earning products
Users have the opportunity to earn passive income on their cryptocurrency holdings Some of Gemini's savings products come with fixed terms
Gemini's platform is user-friendly, making it accessible to both novice and experienced investors Staking rates offered by Gemini can be influenced by market conditions
Gemini places a strong emphasis on security Gemini’s trading fees are relatively high
Competitive interest rates are offered on various supported cryptocurrencies and stablecoins Earnings influenced by market conditions, exposing users to potential volatility
No minimum deposit requirement for users to begin earning interest  


How Do Gemini’s Staking Rewards Work

Gemini interest rates allow users to earn passive income via cryptocurrency staking. Ethereum, Solana, and Polygon offer competitive Annual Percentage Yields (APY). 

Potential rewards reach as high as 4.27%. Users can stake their assets to earn rewards:

  • Ethereum (ETH): Gemini offers rewards with an APY of up to 3% on Ethereum
  • Solana (SOL): Users can enjoy rewards with an APY of up to 4.27% on Solana
  • Polygon (MATIC): Users can earn up to 3.71% APY by staking this crypto

Gemini sets a maximum interest rate that users can earn when lending their assets. This rate can vary based on market conditions and the specific type of cryptocurrency.

Types of Gemini Interest Rate Products

Gemini offers several ways to earn, such as:


With this feature, you can actively participate and receive staking rewards. This innovative feature empowers users to get the most out of their digital assets. This is why Gemini remains among the best platforms for crypto savings accounts.

Gemini Staking offers a secure platform to help you earn rewards while contributing to blockchain networks.

How to stake

Gemini simplifies the staking process. Here's how to start earning rewards:

  • Sign up and purchase crypto: Begin by creating an account with Gemini. You can then purchase any amount of supported crypto assets for staking. No minimum amount is required to get started, making it accessible to all users
  • Transfer to Gemini staking: This step comes after acquiring your crypto assets. You can instantly transfer them to Gemini Staking to begin earning staking rewards. There are no transfer or redemption fees; Gemini's fee is deducted from the rewards you earn
  • Select your crypto: In your Gemini account, navigate to the "Grow" tab. Choose the crypto asset you want to stake and click "Start Staking"
  • Or buy new crypto: If you don't already have the crypto you wish to stake, you can buy it directly on Gemini. You can opt for a one-time purchase or set up recurring purchases for added convenience
  • Confirm and start earning: Confirm your transfer, and you'll begin accruing rewards on your staked holdings

Staking on decentralized platforms often requires technical expertise. You need to understand the manual management of crypto wallets and validator nodes. 

Gemini Staking sets itself apart by offering the best of both worlds. Get the benefits of decentralization combined with the power of Gemini's secure and regulated platform. Here's why you should consider staking with Gemini:

  • Gemini provides a user-friendly interface, ensuring a seamless staking experience
  • Enjoy competitive staking rewards for your participation
  • Gemini doesn't charge gas fees, enhancing your overall earnings

Gemini extends its staking services to institutions of all sizes. This allows companies to easily access the world of decentralized staking on a secure and regulated platform. The process is easy and you can complete your account application within 20 minutes.

Staking methods

There are several staking methods available on Gemini:

Pooled Staking

No minimum amount is required for participation. Rewards are shared proportionally among participants.

Staking Pro

This option is available for ETH staking and follows network-imposed minimum amounts. Rewards aren't shared. You have access to on-chain information. This includes validator and reward payments.

Gemini is also among the most secure cryptocurrency exchanges. It adheres to strict compliance standards. 

To stay updated on the assets available for staking on Gemini, you can refer to the official Gemini website. Please note that staking reward rates may fluctuate over time. 

Currently, staking of ETH and SOL is unavailable to UK customers. And US customers do not have access to SOL staking at this time.

Rewards: In-depth overview

Gemini's interest rates are a key component of its crypto offerings. These rewards and rates are designed to reward users for holding and staking cryptocurrencies. 

They often provide higher returns than traditional bank savings accounts. Gemini's competitive APY makes it a good pick for those looking to earn from their digital assets.

Benefits of Gemini Rewards

  • One of the primary advantages is the opportunity to earn passive income. Users can watch their investments grow without actively trading. Sometimes it can outpace the interest earned in standard bank savings accounts
  • Gemini's staking rates facilitate portfolio diversification. By allocating assets to these interest-earning products, users can spread across various cryptocurrencies. It reduces risk and enhances their overall financial stability
  • Gemini understands that each investor has unique preferences and investment strategies. As such, it offers a decent range of crypto-related products. This flexibility accommodates users with differing investment timelines and goals
  • Cryptocurrencies are known for their potential to generate high returns. Gemini's interest rates typically reflect this. It offers users attractive rates that can surpass conventional financial institutions.


Risks and Considerations

  • Cryptocurrency volatility: Users need to recognize the inherent volatility of cryptocurrencies. The prices of these digital assets can experience significant fluctuations. It may impact the overall returns
  • Lock-in periods: Some of Gemini's savings products come with fixed terms. During these periods, users may not access their funds, as they are locked in until the term expires. This feature can affect liquidity
  • Market risk: Interest rates are not static; they are influenced by market conditions. As a result, users should be prepared for the possibility of rate changes over time. These fluctuations can influence the overall earnings of their investments. It should be monitored closely.

Factors to Consider

Before exploring the world of crypto interest rates on Gemini, it's crucial to be informed and strategic. This guide delves into the factors you should consider to make the most of your crypto investment.

Risk tolerance and asset allocation strategy

Understanding the importance of assessing your risk tolerance is important. And crafting an asset allocation strategy is the foundation of successful crypto investing. 

Your risk tolerance shapes your investment decisions. It helps you determine how much risk you are willing to take on. It's crucial to align your risk tolerance with your asset allocation strategy. 

It involves diversifying your investments to spread risk across different assets. This can help manage risk and optimize your returns.

Key factors for risk tolerance and asset allocation

Your objectives and financial aspirations are fundamental in determining risk tolerance.

  • Consider your investment timeline. It influences the choice between short-term and long-term strategies
  • Evaluate your current financial situation, including income, expenses, and existing assets
  • Your familiarity with crypto markets and investment strategies is a key factor
  • Emotional resilience is another key factor. Assess your ability to withstand market volatility and stick to your investment plan


Minimum deposit amounts for fixed-term deals

When engaging in fixed-term deals for interest rates or staking, check the minimum deposit requirements. Understanding these minimums is vital for planning your investment.

When it comes to Gemini staking, there’s no minimum you’d have to stake. There are also no transfer or redemption fees.

How to Get Started With Gemini

You're equipped with a deeper understanding of crypto interest rates. Now it's time to explore how to get started with Gemini's tools. Here's a step-by-step guide:

Register and verify your account

Begin your journey by registering for an account on the Gemini platform. During this process, you'll be required to provide essential information. Then complete the verification steps. This is a critical step to ensure both your security and compliance with regulations.

Purchase Cryptocurrency

Once your Gemini account is verified, you can start acquiring cryptocurrency. Gemini offers a wide range of options to purchase popular cryptocurrencies. This step is your entry point into the world of crypto interest rates.

Deposit your preferred cryptocurrency

After acquiring your cryptocurrency assets, deposit them into your Gemini wallet. This step is crucial as your deposited crypto will serve as the foundation for your interest-earning savings products.

Deposit your funds accordingly

Now, deposit your funds according to the specified requirements. Be sure to review the minimum deposit amounts and any associated conditions. You have to ensure a seamless and rewarding experience.

By following these steps, you'll set yourself on the path to maximizing your cryptocurrency earnings. All through Gemini's interest rates and staking products. Each step is an opportunity to engage with the dynamic world of crypto finance and put your assets to work for you.

Over To You

While Gemini stopped offering its Gemini Earn tools, there are still a few other ways to earn rewards on the platform. You can focus on staking coins like Ethereum or Solana, for a reward rate of up to 4.27%. 

With Gemini's rewards, you can also diversify your crypto portfolio. This mitigates the impact of individual asset volatility. Gemini tailors its offerings to your specific financial goals. Whether you seek short-term gains or long-term stability, Gemini provides a spectrum of savings products.

Keep in mind that Gemini interest rates and staking rewards are subject to market conditions. They may change due to supply and demand dynamics. Awareness of these factors is key to managing expectations and making informed decisions.


Frequently Asked Questions

What are the current interest rates offered by Gemini?

The current interest rates offered by Gemini, a leading cryptocurrency exchange, are competitive and vary depending on the specific product or service. Staking some coins may get you up to 4.27% APY.

Who should I contact to inquire about current Gemini interest rates?

The best option is to check the official website. To inquire more about the current Gemini interest rates, you should reach out to their dedicated customer support team. You can contact them via email at [email protected] or by calling their toll-free number, which is conveniently available on the website. 

Does Gemini have interest?

Gemini has recently stopped its Gemini Earn program. However, it offers staking rewards through its Gemini Staking service. Staking rewards are earned by holding a certain amount of cryptocurrency in a wallet and using it to validate transactions on a blockchain network

Are Gemini funds safe?

The company has implemented several security measures to ensure that customer funds are as safe as possible. Gemini is a full-reserve exchange and custodian platform. This means that all customer funds held on Gemini are kept at 1:1. These funds are available for withdrawal at any moment. Gemini holds customer fiat currency and digital assets in accounts that are segregated from its own assets. Finally, it uses multi-signature wallets to secure your funds.

Are Gemini interest rates fixed or variable?

Gemini interest rates feature a unique hybrid structure, combining fixed and variable elements. The base interest rate is fixed, offering stability, while a variable component allows rates to adjust based on market conditions. This innovative approach provides borrowers with both predictability and the potential for favorable adjustments.

Are there minimum deposit requirements for earning interest on Gemini?

Yes, to earn interest on Gemini, users must maintain a minimum balance of $1,000. This ensures a commitment to long-term investments and encourages responsible financial practices, allowing users to benefit from competitive interest rates and watch their savings grow.


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We are CryptoManiaks.  Collectively, we have over 25 years of experience in the crypto world and are all passionate about guiding people through the complex world of crypto investing.

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