Earn 5.5% p.a. on your USD Coin


Your cryptocurrency journey doesn’t have to be volatile. While inflation is eating your bank savings, the demand for borrowing stablecoins keeps growing. Open an interest account in crypto pegged to the U.S. dollar and earn more passive income.

Beginner or not — fill in your email, and it takes 10 minutes to get started:

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High interest rates

The demand for borrowing stablecoins is high, and you get a higher reward for keeping funds in your interest account.

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Daily accrued interest

Your interest is paid to your account daily and compounds over time.

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Your funds are safe

Your funds are held in multi-signature storage, out of the reach of e-burglars. Coinmotion is one of the few entities in Europe with a Payment Institution license and a Virtual Currency Service Provider status granted by the FIN-FSA.

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Interest Account & Coinmotion Wealth

Interested in depositing a minimum of €10,000 over a fixed-term period in exchange for higher fixed interest rates? Contact our Coinmotion Wealth unit via [email protected].



Got questions?
We got you covered

How to open the USDC interest account?

Opening the USDC interest account is quick and easy:

• Create a free Coinmotion account

• Verify your ID and fill in the KYC form — it takes 10 minutes.

• If you want to buy USDC on Coinmotion, deposit euros instantly via Klarna or through a bank transfer and buy the cryptocurrency.

• If you want to deposit USDC from another wallet or exchange, make sure you are transferring ERC-20 USDC tokens on the Ethereum network. Copy your Coinmotion wallet address and send the funds there. You will receive an email when the Ethereum network has processed your transaction.

• That’s it! Now you are ready to deposit USDC to the interest account and start earning 5.5% interest p.a.

How to open a Coinmotion account?

To find the interest account in Coinmotion, log in, and navigate to Services – Interest Account. When making a deposit to your interest account, select the desired cryptocurrency, amount, and confirm the deposit. After that, your funds will be moved to the interest account and start earning interest.

How does crypto interest account work?

Your cryptocurrencies will not be converted to other cryptocurrencies or sold during the deposit period. The bitcoins you have deposited will be retained as bitcoins during the deposit. Interest payable will also be paid to you in the same virtual currency you have deposited to your interest account.

The daily interest rate is calculated on a compounding basis. In other words, the profit you will get increases even further.

Interest rates may change due to the market demand. You can view current rates in your account.

On the Interest Account page, you can see the funds you have deposited to the interest account, as well as the accrued interest income.

Is there a min. or max. sum for a deposit?

The minimum deposit sum is the equivalent of 100 euros.

You can withdraw any sum from the interest account, be that part of your deposit or the whole sum.

How to deposit crypto to the interest account?

Don’t own any cryptocurrency? It’s quick and easy to buy it on Coinmotion. All you need to do is deposit euros (no fee via Klarna or SEPA transfer) and make a purchase.

How do I withdraw my crypto and earned interest?

There are no costs when transferring funds to the interest account. You will also not be charged for the duration of the interest account.

There is a withdrawal fee of 0.01644 USDC when taking funds out of the interest account.

The withdrawal period takes a maximum of 30 days. You can request a withdrawal of your funds at any time.

Find answers for frequently asked questions from our Help Center.

Who's behind the interest account?

When you open an interest account, you lend your funds to the markets and receive compensation for the lending. There is extensive use of margin trading, e.g. trading with debt leverage, where both private investors and institutions need to borrow cryptocurrencies for their trades. We bring you this service in cooperation with our partner Tesseract Group Oy.

The safety of your funds is in good hands

Tesseract is a digital currency company operating from Helsinki, supervised by the Finnish Financial Supervisory Authority (FIN-FSA). Tesseract, formerly known as WhaleLend, is a European and an experienced player in the cryptocurrency lending market. Tesseract uses only service providers that are insured against hacking to fort customer fund transfers and short-term storage. Tesseract has multidisciplinary expertise in portfolio management, capital markets, investments, and blockchain technology. Read more about the company here.

Coinmotion oy is a licensed payment institution and cryptocurrency provider regulated by the FIN-FSA. In order to obtain the licenses, the company had to pass several safety-related audits and controls, and we are subject to continuous reporting. Payment institutions are also subject to the capital requirements of the Financial Supervisory Authority, which means that Coinmotion’s capital is monitored and regularly reported to the Financial Supervisory Authority. In this industry, almost no other service provider is subject to similar regulations. We make Coinmotion’s operations transparent and secure.

Take the first step
to cryptocurrency investing


Using cryptocurrencies in your everyday life is easier than you thought. Grow your wealth and make your money work for you, earn interest on your funds.


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