Clapp Rates by Asset
Savings Rates by Asset
| Asset | Flexible, APY | Fixed 1 month, APR | Fixed 3 months, APR | Fixed 6 months, APR | Fixed 12 months, APR |
|---|---|---|---|---|---|
| USD Coin (USDC) | 5.2% | 6.2% | 7.2% | 8.2% | 8.2% |
| Tether (USDT) | 5.2% | 6.2% | 7.2% | 8.2% | 8.2% |
| Euro (EUR) | 5.2% | 6.2% | 6.7% | 7.2% | 8.2% |
| Ethereum (ETH) | 4.2% | 5.2% | 5.6% | 6% | 6% |
| Bitcoin (BTC) | 3.2% | 4.2% | 4.6% | 5% | 5% |
Flexible savings
Interest compounds daily and you can withdraw anytime. Rates are shown as APY because they include compounding.
Fixed savings
Pick a term of 1, 3, 6 or 12 months and the rate stays fixed for the whole term. The rate for each term is in the table above.
Where rates come from
This page reads the live Clapp tariffs, so the figures change when the tariffs do. Your rate is confirmed in the app before you start.
Crypto Credit Line Rates
| Term | Current value |
|---|---|
| APR range | 0–21.9%, set by your LTV |
| Rate at low LTV | 0% APR at or below 20% LTV |
| How the rate moves | The more of your limit you use, the higher the rate, in the steps shown below. You see the rate in the app before you draw. |
| What you can borrow | EUR, USDC, USDT |
| Repayment | No fixed repayment schedule |
Credit Line APR by LTV
| Step | LTV up to | APR |
|---|---|---|
| Step 1 | 20% | 0% |
| Step 2 | 35% | 5.9% |
| Step 3 | 50% | 9.9% |
| Step 4 | 65% | 16.9% |
| Step 5 | 80% | 21.9% |
Every Asset You Can Borrow Against
The full live list of accepted collateral and its LTV limit. Stablecoins and euros carry the highest limits, volatile coins lower ones to leave room for price swings.
EUREuroLTV 90%
USDCUSD CoinLTV 90%
USDTTether USDLTV 90%
PAXGPAX GoldLTV 80%
BTCBitcoinLTV 70%
WBTCWrapped BitcoinLTV 70%
ETHEthereumLTV 60%
BNBBNBLTV 50%
SOLSolanaLTV 50%
XRPXRPLTV 50%
ADACardanoLTV 40%
DOGEDogecoinLTV 40%
TRXTRONLTV 40%
AVAXAvalancheLTV 30%
BCHBitcoin CashLTV 30%
DOTPolkadotLTV 30%
LINKChainlinkLTV 30%
LTCLitecoinLTV 30%
POLPolygonLTV 30%
UNIUniswapLTV 30%
XLMStellarLTV 30%
Questions about rates?
Our support team can explain how any rate on this page applies to your account.
FAQ
What is the highest savings rate on Clapp right now?
The top savings rate on Clapp right now is 8.2% APR. Flexible savings pay up to 5.2% APY, and fixed terms pay up to 8.2% APR depending on the asset and term.
What is the USDT savings rate on Clapp?
Flexible savings on USDT pay 5.2% APY with daily compounding and withdrawals at any time. Fixed terms on USDT pay up to 8.2% APR for the best term.
What is the USDC savings rate on Clapp?
Flexible savings on USDC pay 5.2% APY. Fixed terms on USDC pay up to 8.2% APR, and the rate for each term is listed above.
What is the 12-month fixed rate on USDC and USDT?
A 12-month fixed term pays 8.2% APR on USDC and 8.2% APR on USDT. Shorter terms pay 6.2% for 1 month, 7.2% for 3 months and 8.2% for 6 months on USDC.
Can I earn interest on Bitcoin and Ethereum?
Yes. Flexible savings pay 3.2% APY on BTC and 4.2% APY on ETH. Fixed terms pay up to 5% APR on BTC and up to 6% APR on ETH.
What is the interest rate on a Clapp crypto loan?
The Clapp credit line costs 0–21.9% APR, set by your loan-to-value. At or below 20% LTV the rate is 0%, and you pay only on the amount you draw.