You Keep
the Profits

Deposit Bitcoin, Ethereum, Litecoin
and more to earn up to 7%* interest a year.
Get BTC on BTC, ETH on ETH,
you get the idea.
...

Interest rates are subject to change and depend on loan-to-value ratios.

*interest rates are subject to change

4.5
4.8

Watch your wallet balance grow like a beanstalk

Earn up to 7%* interest on deposits
...

Interest is calculated daily for each coin and distributed in the same currency every Monday. Moms all agree, it's the best way to start your week.

*interest rates are subject to change

...

Bitcoin

BTC
...

Ethereum

ETH
...

Litecoin

LTC
...

Ripple

XRP
...

OmiseGO

OMG

Stellar

XLM

Cardano

ADA

Neo

NEO

Bitcoin Cash

BCH

... Eligible to earn interest in app

Interest Calculator

Ethereum ETH
6
months
12
months
24
months
48
months

Interest per week

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Total Interest (-)

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You could earn up to 7% interest on each coin type, based on market conditions and demand. Interest is paid in kind, meaning you will earn interest in BTC for your BTC deposits, ETH for ETH, etc.

Up to 7% Interest

On a $10.000 deposit you would get about $475 a year in interest

No Term Lengths

You can get your crypto deposits whenever you need them with no fees or penalties

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Now available for
Download

Google Play
4.5
App Store
4.8

How it Works

Download the Celsius App, verify your identity, and deposit your crypto. Every week you’ll get a notification to see how much interest you earned. Pretty simple, right?

Here's an example

Deposit amount in -
Annual Interest rate
-
Weekly Interest
-
Annual Interest
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In this scenario, you’d be paid every Monday - in interest on your deposited - worth of that is - in only - in interest, just for parking your crypto in our wallet. Genius right?

Get Paid to HODL Your Crypto

For Individuals

Earn passive income of up to 7% APR on your crypto

Got crypto sitting in cold storage, in a wallet on your phone, or on an exchange? Well, put it to work! Instead of keeping it under your virtual mattress, your crypto can start earning interest today, simply by making a deposit in your Celsius wallet. Celsius wallet.

  • Passive Income FTW - Earn up to 7% APR every Monday while you HODL.
  • Secure AF - All deposits are secured by our SEC-approved custodian, BitGo When coins are lent out, they’re over-collateralized. For example, if a hedge fund wants to borrow from our pool, it must provide more than the full value of the crypto in USD, so your coins are always safe.
  • Open Terms - We’re big fans of HODLing, but if you need your crypto back, you can withdraw at any time. No minimum lock up, no fees. It’s your money, after all.
  • Keep the Upside - You get back the same crypto you gave us, plus interest. If the value changes, it’s all yours.

Deposit your crypto with us and earn up to 7% interest

If you’ve got lots of coins sitting in cold storage or on an exchange or under your mattress, we can help you leverage them in order to earn interest (and passive income). Get your coins working through the bear market.

  • Big Interest - We pay you the best interest rates (up to 7%) in the market because we blend several sources of interest income.
  • Solid Security - A high percentage of the coins we have are being shorted (rather than stored) and we receive and hold 150% collateral against them in fiat. Also, ou deposits are secured by our custodian BitGo.
  • No Lockups - Get access to your coins immediately without any penalties for withdrawal or forced lockup periods.
  • Keep the Upside - We return the same number of coins plus interest, so any upside in the value of your coins is yours to keep.

Here's how we calculate the interest you earn

We want to maximize returns for HODLers and do what's in the best interest of all our members. Our formula for CEL interest will be based on 3 factors which reward HODLing and discourage speculation:

50% – Balances

Your Portfolio Balance

The amount of Coins (BTC, ETH, XRP etc.) you’ve deposited

25% – Time

Are you an OG?

The amount of time you’ve been part of the Celsius community vs. others without withdrawing your coins.

25% – HODL

This CEL was made for HODLing

The amount of CEL tokens you HODL out of the CEL tokens you earned in interest*.

*Only earned tokens count. Tokens bought during the ICO or the open market do not count towards this milestone.

Right now, we’re paying interest in-kind every Monday. So, if you deposit ETH, you’ll earn interest in ETH. Deposit BTC, get BTC. Next year, we’ll start distributing CEL tokens to members outside the USA.

FAQ

Can I get my coins back whenever I want?

Yes, you can! Interest is calculated daily and distributed weekly. Your coins are yours to deposit and withdraw whenever you see fit.

Is the interest rate always the same?

Nope. The interest rate varies based on demand, you’ll always be able to see our current rates within the app.

In what currency is interest paid?

Interest earned will be paid in the respective currency (BTC, ETH, etc.) Your interest will be calculated daily and deposited weekly (on Mondays) into your account.

What percentage return can I expect on my deposits?

We aim to provide our crypto coin lenders with rates of somewhere between 3-9%, depending on the demand for the deposited coin. This number is determined by total supply and demand and what’s best for the community.

Where do my coins actually go?

We deposit your coins/tokens with trusted custodians like BitGo as well as major exchanges. If your coins are being borrowed, the borrower must provide full cover with cash collateral secured in an FDIC insured account.

How is storing with Celsius safer than storing in cold storage?

We diversify the assets across multiple platforms, such as cold storage (BitGo), institutional exchanges, and short orders, in which case we have 120-150% of the dollar value in an FDIC-insured bank account.

How and where are the coins traded?

The coins will be deployed in a number of ways, the most common being used in margin lending and shorting. We use the interest and fees borrowers and shorters pay us to pay you interest.

How are my coins secured?

They are held in encrypted accounts and once deployed (lent out), they are backed by cash collateral to ensure the lender is always protected.

Who is your (cold storage) custodian?

BitGo and other top custodians.

Do you use my coins as working capital?

No, none of the cryptocurrency we hold from our members is used as working capital for the company.

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