{"id":5099,"date":"2021-12-23T00:15:00","date_gmt":"2021-12-23T08:15:00","guid":{"rendered":"https:\/\/www.cultofmoney.com\/?p=5099"},"modified":"2023-01-09T14:39:38","modified_gmt":"2023-01-09T22:39:38","slug":"hodlnaut-review","status":"publish","type":"post","link":"https:\/\/www.cultofmoney.com\/hodlnaut-review\/","title":{"rendered":"Hodlnaut Review: Earn Interest On Your Crypto"},"content":{"rendered":"<p><span><a href=\"https:\/\/www.cultofmoney.com\/wp-content\/uploads\/2021\/12\/TWFBBETTERHOLD9.jpg\" target=\"_blank\" rel=\"nofollow noopener\"><img decoding=\"async\" alt=\"Hodlnaut review\" data-id=\"5134\" data-init-width=\"600\" data-init-height=\"314\" title=\"Hodlnaut review\" loading=\"lazy\" src=\"https:\/\/www.cultofmoney.com\/wp-content\/uploads\/2021\/12\/TWFBBETTERHOLD9.jpg\" data-width=\"360\" data-height=\"188\" data-link-wrap=\"true\" style=\"\" width=\"360\" height=\"188\"><\/a><\/span><\/p>\n<p>If your cryptocurrency is currently sitting in a <a href=\"https:\/\/www.cultofmoney.com\/best-crypto-wallets\/\" style=\"outline: none;\">wallet<\/a> and isn\u2019t generating rewards, you\u2019re probably missing out.There\u2019s a variety of ways to earn passive income with your cryptocurrency these days. Between <a href=\"https:\/\/www.cultofmoney.com\/what-is-staking-crypto\/\" style=\"outline: none;\">staking<\/a> and crypto interest accounts, you can earn meaningful rewards just for holding crypto.<a href=\"https:\/\/cultofmoney.com\/go\/hodlnaut\" target=\"_blank\" rel=\"nofollow noopener\" style=\"outline: none;\">Hodlnaut<\/a> is one of the most beginner-friendly to earn crypto rewards. In fact, its crypto interest account pays up to 12.73% APY new users can get a bonus of up to $20 for opening and funding an account.Our Hodlnaut review is covering everything you need to know about this crypto rewards platform and how to decide if it\u2019s the right choice.<\/p>\n<p><span><a href=\"https:\/\/cultofmoney.com\/go\/hodlnaut\/button\" target=\"_blank\" rel=\"nofollow noopener\"><img decoding=\"async\" alt=\"Hodlnaut logo\" data-id=\"5106\" data-init-width=\"412\" data-init-height=\"122\" title=\"Hodlnaut logo\" src=\"https:\/\/www.cultofmoney.com\/wp-content\/uploads\/2021\/12\/Hodlnaut-logo.png\" data-width=\"175\" data-height=\"52\" data-link-wrap=\"true\" style=\"\" mt-d=\"0\" loading=\"lazy\" width=\"175\" height=\"52\"><\/a><\/span><\/p>\n<p><strong>Quick Summary<\/strong><\/p>\n<ul>\n<li><span style=\"\">Earn up to 12.73% APY on your crypto<\/span><\/li>\n<li><span>Interest gets paid out weekly<\/span><\/li>\n<li><span>Minimal fees<\/span><\/li>\n<\/ul>\n<table data-rows=\"6\" data-cols=\"2\" style=\"--tve-border-width:1px;\">\n<thead>\n<tr>\n<th rowspan=\"1\" colspan=\"2\" style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: center;\">Hodlnaut Details<\/p>\n<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: center;\">Product Name<\/p>\n<\/td>\n<td style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: center;\">Hodlnaut<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: center;\">Product Type<\/p>\n<\/td>\n<td style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: center;\">Crypto Interest Account<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: center;\">Min Deposit<\/p>\n<\/td>\n<td style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: center;\">$0<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: center;\">Interest Rates<\/p>\n<\/td>\n<td style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: center;\">Up to 12.73% APY<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td rowspan=\"1\" colspan=\"1\" style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: center;\">Promotions<\/p>\n<\/td>\n<td rowspan=\"1\" colspan=\"1\" style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: center;\">Up to $20 Bonus For Opening and Funding a New Account<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2 id=\"t-1639670297037\">Pros &amp; Cons<\/h2>\n<p style=\"text-align: center;\"><strong>Pros<\/strong><\/p>\n<ul>\n<li><span style=\"\">Competitive interest rates that are paid out weekly<\/span><\/li>\n<li><span>No account or deposit fees and one free withdrawal per month<\/span><\/li>\n<li><span>Free token swapping<\/span><\/li>\n<\/ul>\n<p style=\"text-align: center;\"><strong>Cons<\/strong><\/p>\n<ul>\n<li><span style=\"\">Only supports 6 assets<\/span><\/li>\n<li><span>Withdrawal fees after your first withdrawal per month<\/span><\/li>\n<\/ul>\n<h2 id=\"t-1639670297038\">Who Is Hodlnaut?<\/h2>\n<p><span style=\"font-weight: normal;\"><a href=\"https:\/\/cultofmoney.com\/go\/hodlnaut\" target=\"_blank\" rel=\"nofollow noopener\" style=\"outline: none;\">Hodlnaut<\/a> is a Singapore-based company that began in 2019. Like competitors <\/span><span style=\"font-weight: normal;\">BlockFi<\/span><span style=\"font-weight: normal;\">&nbsp;and <\/span><a href=\"https:\/\/www.cultofmoney.com\/celsius-network-review\/\" style=\"outline: none;\"><span style=\"font-weight: normal;\">Celsius<\/span><\/a><span style=\"font-weight: normal;\">, Hodlnaut offers a free cryptocurrency interest account that lets you earn rewards on your deposits.With over $500 million in held assets and more than 10,000 users, Hodlnaut is a sizable player in the crypto rewards space. And simplicity is really the name of the game. There aren\u2019t any account fees, minimum deposits, or hoops to jump through to open your account.You don\u2019t get features like cryptocurrency rewards cards like you do with <\/span><a href=\"https:\/\/www.cultofmoney.com\/go\/blockfi\" target=\"_blank\" rel=\"nofollow noopener sponsored\"><span style=\"font-weight: normal;\">BlockFi<\/span><\/a><span style=\"font-weight: normal;\">. But if you\u2019re just looking to earn interest on your cryptocurrency and want an easy-to-use platform, Hodlnaut could be right for you.<\/span><\/p>\n<h2 id=\"t-1639670297039\">What Does It Offer?<\/h2>\n<p><a href=\"https:\/\/www.cultofmoney.com\/go\/binance\" target=\"_blank\" rel=\"nofollow noopener sponsored\" style=\"outline: none;\"><\/a>A crypto interest account is Hodlnaut\u2019s main offering. Additionally, there are several features account holders can use to maximize their rewards.<\/p>\n<h3>Hodlnaut Interest Account<\/h3>\n<p>Hodlnaut\u2019s cryptocurrency interest doesn\u2019t have any account fees or minimum deposit requirements. Currently, Hodlnaut supports six assets:<\/p>\n<ul>\n<li>Bitcoin (BTC)<\/li>\n<li>Dai (DAI)<\/li>\n<li><a href=\"https:\/\/www.cultofmoney.com\/what-is-ethereum\/\">Ethereum (ETH)<\/a><\/li>\n<li>Tether (USDT)<\/li>\n<li>USD Coin (USDC)<\/li>\n<li>Wrapped Bitcoin (WBTC)<\/li>\n<\/ul>\n<p>You earn interest on a weekly basis. There isn\u2019t a lock-in period, so you can deposit or withdraw whenever you like. Hodlnaut also has some of the most competitive interest rates out of all the crypto interest accounts out there.Here\u2019s a range of Hodlnaut\u2019s current interest rates:<\/p>\n<table data-rows=\"8\" data-cols=\"2\" style=\"border: 1px solid rgb(0, 0, 0); --tve-border-width:1px;\">\n<thead>\n<tr>\n<th rowspan=\"1\" colspan=\"2\" style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: center;\"><strong>Hodlnaut Interest Rates<\/strong><\/p>\n<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: center;\"><strong>Asset<\/strong><\/p>\n<\/td>\n<td style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: center;\"><strong>Annual Percent Yield (APY)<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: center;\">Bitcoin<\/p>\n<\/td>\n<td style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: center;\">1.00% &#8211; 6.71%<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: center;\">Dai<\/p>\n<\/td>\n<td style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: center;\">0.25% &#8211; 8.32%<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: center;\">Ethereum<\/p>\n<\/td>\n<td style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: center;\">3.04% &#8211; 5.65%<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid rgb(0, 0, 0);\" rowspan=\"1\" colspan=\"1\">\n<p style=\"text-align: center;\">Tether<\/p>\n<\/td>\n<td style=\"border: 1px solid rgb(0, 0, 0);\" rowspan=\"1\" colspan=\"1\">\n<p style=\"text-align: center;\">0.50% &#8211; 12.73%<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid rgb(0, 0, 0);\" rowspan=\"1\" colspan=\"1\">\n<p style=\"text-align: center;\">USDC<\/p>\n<\/td>\n<td style=\"border: 1px solid rgb(0, 0, 0);\" rowspan=\"1\" colspan=\"1\">\n<p style=\"text-align: center;\">0.25% &#8211; 12.73%<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid rgb(0, 0, 0);\" rowspan=\"1\" colspan=\"1\">\n<p style=\"text-align: center;\">Wrapped Bitcoin<\/p>\n<\/td>\n<td style=\"border: 1px solid rgb(0, 0, 0);\" rowspan=\"1\" colspan=\"1\">\n<p style=\"text-align: center;\">1.00% &#8211; 6.71%<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>With&nbsp;<a href=\"https:\/\/cultofmoney.com\/go\/hodlnaut\" target=\"_blank\" rel=\"nofollow noopener\" style=\"outline: none;\">Hodlnaut<\/a>, you get the highest interest rate with the first tier of deposits. For example, Hodlnaut pays you 6.71% APY on the first 0.5 BTC you deposit. Your next 1.5 BTC earns 4.08% and the next 3 BTC will earn 3.25%. Finally, once you exceed 5 BTC, you earn 1.00% APY.You get paid interest in-kind by default. This means if you deposit <a href=\"https:\/\/www.cultofmoney.com\/what-is-bitcoin\/\" style=\"outline: none;\">Bitcoin<\/a>, you earn Bitcoin as rewards. However Hodlnaut also has a new preferred interest payout feature that lets you select the cryptocurrency you earn as interest. This helps you diversify your holdings and is also useful if you think an asset Hodlnaut supports is going to appreciate in the near future.<\/p>\n<h3>Free Token Swapping<\/h3>\n<p>Like many popular <a href=\"https:\/\/www.cultofmoney.com\/best-cryptocurrency-exchanges\/\" style=\"outline: none;\">cryptocurrency exchanges<\/a>, Hodlnaut lets you swap various cryptocurrencies and stablecoins around. Like preferred interest payouts, this is an effective way to diversify your portfolio. Token swapping also lets you earn more interest if you swap to a token that pays more interest than what you\u2019re holding.<a href=\"https:\/\/cultofmoney.com\/go\/hodlnaut\" target=\"_blank\" rel=\"nofollow noopener\">Hodlnaut<\/a> doesn\u2019t charge fees for token swapping which is also a perk. When you place a swap, you get a quote price that lasts 30 seconds. The quote displays how much of a cryptocurrency or stablecon you\u2019re going to receive after completing the swap.You can also place a market order to instantly complete a swap, although you might earn slightly more or less than you bargained for if markets are volatile. You earn interest on assets the day you complete a swap, so you can also use this feature without interrupting your crypto earnings.<\/p>\n<h3>Fixed-Term Deposits<\/h3>\n<p><a href=\"https:\/\/www.cultofmoney.com\/go\/binance\" target=\"_blank\" rel=\"nofollow noopener sponsored\" style=\"outline: none;\"><\/a>Hodlnaut largely caters to newer <a href=\"https:\/\/www.cultofmoney.com\/invest-in-cryptocurrency\/\">cryptocurrency investors<\/a> because starting interest rates are so competitive. In other words, you don\u2019t need hundreds of thousands of dollars worth of Bitcoin to get the best interest rates.However, Hodlnaut still caters to investors with significant holdings thanks to fixed-term deposits. With fixed-term deposits, you lock up your cryptocurrency for a set amount of time. In exchange, you earn more interest than you would if you stick with the lower tiers in Hodlnaut\u2019s regular interest account.How much interest you earn depends on the asset and how long the lock-in period is. Hodlnaut offers 30-, 90-, and 180-day lock-in periods. You also get paid interest upon maturity and interest earned isn\u2019t compounded.<\/p>\n<table data-rows=\"5\" data-cols=\"7\" style=\"border: 1px solid rgb(0, 0, 0); --tve-border-width:1px;\">\n<thead>\n<tr>\n<th rowspan=\"1\" colspan=\"7\" style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: center;\"><strong>Hodlnaut Fixed Term Deposit Rates<\/strong><\/p>\n<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: center;\"><strong>Lock-In Period<\/strong><\/p>\n<\/td>\n<td style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: center;\"><strong>BTC<\/strong><\/p>\n<\/td>\n<td style=\"border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\n<p style=\"text-align: center;\"><strong>WBTC<\/strong><\/p>\n<\/td>\n<td style=\"border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\n<p style=\"text-align: center;\"><strong>ETH<\/strong><\/p>\n<\/td>\n<td style=\"border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\n<p style=\"text-align: center;\"><strong>DAI<\/strong><\/p>\n<\/td>\n<td style=\"border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\n<p style=\"text-align: center;\"><strong>USDC<\/strong><\/p>\n<\/td>\n<td style=\"border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\n<p style=\"text-align: center;\"><strong>USDT<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: center;\">30 Days<\/p>\n<\/td>\n<td style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: center;\">3.00%<\/p>\n<\/td>\n<td style=\"border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\n<p style=\"text-align: center;\">3.25%<\/p>\n<\/td>\n<td style=\"border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\n<p style=\"text-align: center;\">3.50%<\/p>\n<\/td>\n<td style=\"border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\n<p style=\"text-align: center;\">7.50%<\/p>\n<\/td>\n<td style=\"border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\n<p style=\"text-align: center;\">7.50%<\/p>\n<\/td>\n<td style=\"border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\n<p style=\"text-align: center;\">7.50%<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: center;\">90 Days<\/p>\n<\/td>\n<td style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: center;\">3.30%<\/p>\n<\/td>\n<td style=\"border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\n<p style=\"text-align: center;\">3.55%<\/p>\n<\/td>\n<td style=\"border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\n<p style=\"text-align: center;\">3.70%<\/p>\n<\/td>\n<td style=\"border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\n<p style=\"text-align: center;\">8.00%<\/p>\n<\/td>\n<td style=\"border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\n<p style=\"text-align: center;\">8.00%<\/p>\n<\/td>\n<td style=\"border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\n<p style=\"text-align: center;\">8.50%<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: center;\">180 Days<\/p>\n<\/td>\n<td style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: center;\">3.55%<\/p>\n<\/td>\n<td style=\"border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\n<p style=\"text-align: center;\">3.75%<\/p>\n<\/td>\n<td style=\"border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\n<p style=\"text-align: center;\">4.00%<\/p>\n<\/td>\n<td style=\"border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\n<p style=\"text-align: center;\">8.25%<\/p>\n<\/td>\n<td style=\"border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\n<p style=\"text-align: center;\">8.25%<\/p>\n<\/td>\n<td style=\"border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\n<p style=\"text-align: center;\">8.25%<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Again, most investors should use the regular cryptocurrency interest account because the starting rates are so high. But if you have a larger portfolio, fixed-term deposits are superior. Note that while you can terminate a fixed-term deposit before maturity, <strong>you&#8217;ll forfeit all accrued interest.<\/strong><\/p>\n<h3>Hodlnaut Referral Program<\/h3>\n<p>Hodlnaut has a fairly generous referral program, which is great news if you have friends and family who also want to start earning crypto rewards.The referral program pays you 10% commission on your referee\u2019s commission. This 10% isn\u2019t taken out of their profits either, so there\u2019s no downside.<\/p>\n<p>Commission you earn is paid in-kind, so if your friend deposits Dai, that\u2019s what you earn. Referees also <a href=\"https:\/\/cultofmoney.com\/go\/hodlnaut\" target=\"_blank\" rel=\"nofollow noopener\" style=\"outline: none;\">get a $20 bonus<\/a> if they make a $1,000 deposit as their first deposit or within a week of opening their account.<\/p>\n<h2 id=\"t-1639670297040\">Are There Any Fees?<\/h2>\n<p><a href=\"https:\/\/www.cultofmoney.com\/go\/binance\" target=\"_blank\" rel=\"nofollow noopener sponsored\" style=\"outline: none;\"><\/a>Hodlnaut is one of the lowest-cost methods to earn interest on your cryptocurrency. For starters, you don\u2019t pay account fees or any deposit fees. Token swapping is free as well, so you\u2019re not getting dinged for using the platform or its features.Hodlnaut even lets you make one free withdrawal per month, which isn\u2019t a given for every cryptocurrency interest account. But if you make more than one withdrawal per month, you pay fees that vary depending on the asset type.<\/p>\n<table data-rows=\"8\" data-cols=\"3\" style=\"border: 1px solid rgb(0, 0, 0); --tve-border-width:1px;\">\n<thead>\n<tr>\n<th rowspan=\"1\" colspan=\"3\" style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: center;\"><strong>Hodlnaut Withdrawal Fees<\/strong><\/p>\n<p style=\"text-align: center;\"><strong>(After One Free Withdrawal Per Month)<\/strong><\/p>\n<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: center;\"><strong>Asset<\/strong><\/p>\n<\/td>\n<td style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: center;\"><strong>Minimum<\/strong><\/p>\n<\/td>\n<td style=\"border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\n<p style=\"text-align: center;\"><strong>Transaction Fee<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: center;\">Bitcoin<\/p>\n<\/td>\n<td style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: center;\">0 BTC<\/p>\n<\/td>\n<td style=\"border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\n<p style=\"text-align: center;\">0.0004 BTC<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: center;\">Cardano<\/p>\n<\/td>\n<td style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: center;\">0 DAI<\/p>\n<\/td>\n<td style=\"border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\n<p style=\"text-align: center;\">10 DAI<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: center;\">Ethereum<\/p>\n<\/td>\n<td style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: center;\">0 ETH<\/p>\n<\/td>\n<td style=\"border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\n<p style=\"text-align: center;\">0.0036 ETH<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td rowspan=\"1\" colspan=\"1\" style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: center;\">USD Coin<\/p>\n<\/td>\n<td rowspan=\"1\" colspan=\"1\" style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: center;\">0 USDC<\/p>\n<\/td>\n<td rowspan=\"1\" colspan=\"1\" style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: center;\">10 USDC<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td rowspan=\"1\" colspan=\"1\" style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: center;\">Tether<\/p>\n<\/td>\n<td rowspan=\"1\" colspan=\"1\" style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: center;\">0 USDT<\/p>\n<\/td>\n<td rowspan=\"1\" colspan=\"1\" style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: center;\">10 USDT<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td rowspan=\"1\" colspan=\"1\" style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: center;\">Wrapped Bitcoin<\/p>\n<\/td>\n<td rowspan=\"1\" colspan=\"1\" style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: center;\">0 WBTC<\/p>\n<\/td>\n<td rowspan=\"1\" colspan=\"1\" style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: center;\">0.0004 WBTC<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Hodlnaut rates are subject to change depending on market conditions, so keep this in mind.<\/p>\n<h2 id=\"t-1639670297041\">How Does Hodlnaut Compare?<\/h2>\n<p>Hodlnaut is far from the only cryptocurrency interest account that\u2019s available. And, while it\u2019s incredibly beginner-friendly, other companies may have superior interest rates. Furthermore, many leading interest accounts support more assets than Hodlnaut.<\/p>\n<p>Of course, rates for your specific cryptocurrency is what matters most. For example, Hodlnaut pays 7.46% on its first tier of Bitcoin while <a href=\"https:\/\/www.cultofmoney.com\/go\/blockfi\" target=\"_blank\" rel=\"nofollow noopener sponsored\" style=\"outline: none;\">BlockFi<\/a> pays 4.5% and <a href=\"https:\/\/www.cultofmoney.com\/go\/celsius\" target=\"_blank\" rel=\"nofollow noopener sponsored\" style=\"outline: none;\">Celsius<\/a> pays up to 6.20%. But BlockFi and Celsius support more assets and tend to offer higher rates. Celsius also supports more cryptocurrencies and stablecoins and doesn\u2019t ever charge withdrawal fees.Ultimately, it\u2019s wise to shop around and to compare rates and fees before making your first deposit. You can also compare available sign-up bonuses and even use multiple cryptocurrency interest accounts to maximize rewards. Here\u2019s a closer look at how Hodlnaut stacks up:<\/p>\n<table data-rows=\"6\" data-cols=\"4\" data-v=\"middle\">\n<thead>\n<tr>\n<th style=\"\" colspan=\"1\" rowspan=\"1\">Header<\/th>\n<th colspan=\"1\" rowspan=\"1\" style=\"\"><span><a href=\"https:\/\/www.cultofmoney.com\/wp-content\/uploads\/2021\/12\/Hodlnaut-logo.png\" target=\"_blank\" rel=\"nofollow noopener\"><img decoding=\"async\" alt=\"Hodlnaut logo\" data-id=\"5106\" data-init-width=\"412\" data-init-height=\"122\" title=\"Hodlnaut logo\" src=\"https:\/\/www.cultofmoney.com\/wp-content\/uploads\/2021\/12\/Hodlnaut-logo.png\" data-width=\"169\" data-height=\"50\" data-link-wrap=\"true\" loading=\"lazy\" width=\"169\" height=\"50\"><\/a><\/span><\/th>\n<th style=\"\"><span style=\"\"><a href=\"https:\/\/www.cultofmoney.com\/wp-content\/uploads\/2021\/09\/BlockFi-logo.png\" target=\"_blank\" rel=\"nofollow noopener\"><img decoding=\"async\" alt=\"BlockFi logo\" data-id=\"2737\" data-init-width=\"1192\" data-init-height=\"360\" title=\"BlockFi logo\" src=\"https:\/\/www.cultofmoney.com\/wp-content\/uploads\/2021\/09\/BlockFi-logo.png\" data-width=\"169\" data-height=\"51\" data-link-wrap=\"true\" style=\"\" loading=\"lazy\" width=\"169\" height=\"51\"><\/a><\/span><\/th>\n<th style=\"\"><span><a href=\"https:\/\/www.cultofmoney.com\/wp-content\/uploads\/2021\/09\/Celsius_Logo-2-scaled.jpg\" target=\"_blank\" rel=\"nofollow noopener\"><img decoding=\"async\" alt=\"Celsius Network Logo\" data-id=\"2491\" data-init-width=\"2560\" data-init-height=\"907\" title=\"Celsius Network Logo\" src=\"https:\/\/www.cultofmoney.com\/wp-content\/uploads\/2021\/09\/Celsius_Logo-2-scaled.jpg\" data-width=\"169\" data-height=\"60\" data-link-wrap=\"true\" loading=\"lazy\" width=\"169\" height=\"60\"><\/a><\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"\" colspan=\"1\" rowspan=\"1\">\n<p style=\"text-align: center;\"><strong>Star Rating<\/strong><\/p>\n<\/td>\n<td colspan=\"1\" rowspan=\"1\" style=\"\"><\/td>\n<td style=\"\"><\/td>\n<td style=\"\"><\/td>\n<\/tr>\n<tr>\n<td style=\"\" colspan=\"1\" rowspan=\"1\">\n<p style=\"text-align: center;\"><strong>Supported Assets<\/strong><\/p>\n<\/td>\n<td colspan=\"1\" rowspan=\"1\" style=\"\">\n<p style=\"text-align: center;\">6<\/p>\n<\/td>\n<td style=\"\" rowspan=\"1\" colspan=\"1\">\n<p style=\"text-align: center;\">12<\/p>\n<\/td>\n<td style=\"\" rowspan=\"1\" colspan=\"1\">\n<p style=\"text-align: center;\">40+<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"\" colspan=\"1\" rowspan=\"1\">\n<p style=\"text-align: center;\"><strong>Best APY<\/strong><\/p>\n<\/td>\n<td colspan=\"1\" rowspan=\"1\" style=\"\">\n<p style=\"text-align: center;\">12.73%<\/p>\n<\/td>\n<td style=\"\" rowspan=\"1\" colspan=\"1\">\n<p style=\"text-align: center;\">9.50%<\/p>\n<\/td>\n<td style=\"\" rowspan=\"1\" colspan=\"1\">\n<p style=\"text-align: center;\">17.78%<\/p>\n<p style=\"text-align: center;\"><em>(In-CEL Rate)<\/em><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"\" colspan=\"1\" rowspan=\"1\">\n<p style=\"text-align: center;\"><strong>Free Withdrawals<\/strong><\/p>\n<\/td>\n<td colspan=\"1\" rowspan=\"1\" style=\"\">\n<p style=\"text-align: center;\">1 Per Month<\/p>\n<\/td>\n<td style=\"\">\n<p style=\"text-align: center;\">1 Per Month On Some Coins. No Free Withdrawals On Ethereum Network Tokens<\/p>\n<\/td>\n<td style=\"\">\n<p style=\"text-align: center;\">Unlimited<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td rowspan=\"1\" colspan=\"1\" style=\"\">Cell<\/td>\n<td colspan=\"1\" rowspan=\"1\" style=\"\"><\/td>\n<td rowspan=\"1\" colspan=\"1\" style=\"\"><\/td>\n<td rowspan=\"1\" colspan=\"1\" style=\"\"><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2 id=\"t-1639673848556\">How Do I Open An Account?<\/h2>\n<p>You <a href=\"https:\/\/cultofmoney.com\/go\/hodlnaut\" target=\"_blank\" rel=\"nofollow noopener\">sign up for Hodlnaut<\/a> with your name and email address. Once you verify a confirmation email, you must enable 2-factor authentication to finish setting up your account. Hodlnaut uses Google Authenticator for this process.Hodlnaut also follows <a href=\"https:\/\/www.cultofmoney.com\/kyc-aml-crypto-exchanges\/\" style=\"outline: none;\">know-your-customer (KYC) requirements<\/a>. This means you have to enter personal details and verify your identity to complete your account. Information and documents you need include:<\/p>\n<ul>\n<li>Name<\/li>\n<li>Nationality<\/li>\n<li>Country of birth<\/li>\n<li>Date of birth<\/li>\n<li>Employment information<\/li>\n<li>Government-issues ID like a driver\u2019s license or passport<\/li>\n<\/ul>\n<p>If you have issues with KYC compliance, you can contact Hodlnaut support at support@hodlnaut.com.<\/p>\n<h2 id=\"t-1639673848557\">Is Hodlnaut Safe?<\/h2>\n<p>Since Hodlnaut is based in Singapore, the company falls under Singaporean regulations. The company is <a href=\"https:\/\/directory.singaporefintech.org\/directory\/listing\/hodlnaut-pte-ltd\" target=\"_blank\" style=\"outline: none;\" rel=\"noopener\">certified by the Singapore Fintech Association (SFA)<\/a>, which is a recognized accreditation by the Monetary Authority of Singapore (MAS).However, Hodlnaut isn\u2019t FDIC-insured or under any U.S. government regulation. You can still use Hodlnaut if you live in the United States or much of the world. But you don\u2019t have federal insurance of any sort.According to Hodlnaut, the company notifies users if regulatory changes force it to adjust operations. The company also states it will ensure users in advance if it has to shut down so they can withdraw funds. But again, there aren\u2019t guarantees.Finally, Hodlnaut states that it holds most of its assets in a cold wallet, with just 2% remaining available for liquidity. This reduces the risks of hackers draining the company of funds, which is good news since Hodlnaut doesn\u2019t guarantee it can cover losses from hacks. If you want to reduce risk, you can purchase Nexus Mutual coverage through your Hodlnaut account. This provides two levels of coverage:<\/p>\n<ul>\n<li>If the custodian gets hacked and you lose more than 10% of your crypto<\/li>\n<li>If withdrawals from the custodian are frozen for more than 90 days<\/li>\n<\/ul>\n<p>How much you pay for coverage depends on your asset value and coverage period. As an example, covering 5 ETH for one year currently costs 0.1299 ETH.Ultimately, your best bet is to secure your account as much as possible. This means using a strong password and enabling whitelist wallet addresses in your Hodlnaut settings. You may also want to spread out your crypto across multiple interest accounts if you have a large portfolio to diversify risk.<\/p>\n<h2 id=\"t-1639673848558\">Should You Use Hodlnaut?<\/h2>\n<p><a href=\"https:\/\/cultofmoney.com\/go\/hodlnaut\" target=\"_blank\" rel=\"nofollow noopener\">Hodlnaut<\/a> is one of the most beginner-friendly ways to earn interest with cryptocurrency. With competitive rates and no fees, it\u2019s also easy to see why Hodlnaut is so popular.You should still shop around to compare interest rates with companies like <a href=\"https:\/\/www.cultofmoney.com\/go\/blockfi\" target=\"_blank\" rel=\"nofollow noopener sponsored\">BlockFi<\/a>, <a href=\"https:\/\/www.cultofmoney.com\/outlet-finance-review\/\">Outlet Finance<\/a>, and <a href=\"https:\/\/www.cultofmoney.com\/go\/celsius\" target=\"_blank\" rel=\"nofollow noopener sponsored\">Celsius<\/a>. But if simplicity and lack of fees are what\u2019s most important to you, Hodlnaut is the clear choice.<\/p>\n<p><a href=\"https:\/\/cultofmoney.com\/go\/hodlnaut\" target=\"_blank\" rel=\"nofollow noopener\" style=\"outline: none;\"><strong>Get started with Hodlnaut here &gt;&gt;<\/strong><\/a><\/p>\n<h2 id=\"t-1639673848559\">Hodlnaut Features<\/h2>\n<table data-rows=\"13\" data-cols=\"2\" style=\"--tve-border-width:1px;\">\n<thead><\/thead>\n<tbody>\n<tr>\n<td style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: left;\"><strong>Product Type<\/strong><\/p>\n<\/td>\n<td style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: left;\">Crypto interest account<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: left;\"><strong>Supported Coins<\/strong><\/p>\n<\/td>\n<td style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: left;\">6<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: left;\"><strong>Min Deposit<\/strong><\/p>\n<\/td>\n<td style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: left;\">$0<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: left;\"><strong>Min Balance Requirement<\/strong><\/p>\n<\/td>\n<td style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: left;\">$0<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td rowspan=\"1\" colspan=\"1\" style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: left;\"><strong>Interest Rate On Deposits<\/strong><\/p>\n<\/td>\n<td rowspan=\"1\" colspan=\"1\" style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: left;\">Earn up to 12.73% APY<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td rowspan=\"1\" colspan=\"1\" style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: left;\"><strong>Withdrawal Fees<\/strong><\/p>\n<\/td>\n<td rowspan=\"1\" colspan=\"1\" style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: left;\">Withdrawal fees that vary depending on the crypto but you get one free withdrawal per month<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td rowspan=\"1\" colspan=\"1\" style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: left;\"><strong>Supported Payment Types<\/strong><\/p>\n<\/td>\n<td rowspan=\"1\" colspan=\"1\" style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: left;\">Cryptocurrency deposits<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td rowspan=\"1\" colspan=\"1\" style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: left;\"><strong>Insurance<\/strong><\/p>\n<\/td>\n<td rowspan=\"1\" colspan=\"1\" style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: left;\">Hodlnaut doesn\u2019t offer insurance, but you can buy coverage from Nexus Mutual<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td rowspan=\"1\" colspan=\"1\" style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: left;\"><strong>Security<\/strong><\/p>\n<\/td>\n<td rowspan=\"1\" colspan=\"1\" style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: left;\">Hodlnaut follows KYC requirements and also requires two-factor authentication. The majority of funds are also held in a cold wallet to reduce the risk of funds being stolen<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td rowspan=\"1\" colspan=\"1\" style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: left;\"><strong>Mobile App Availability<\/strong><\/p>\n<\/td>\n<td rowspan=\"1\" colspan=\"1\" style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: left;\">Android and iOS<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td rowspan=\"1\" colspan=\"1\" style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: left;\"><strong>Web\/Desktop Availability<\/strong><\/p>\n<\/td>\n<td rowspan=\"1\" colspan=\"1\" style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: left;\">Yes<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td rowspan=\"1\" colspan=\"1\" style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: left;\"><strong>Customer Service Email<\/strong><\/p>\n<\/td>\n<td rowspan=\"1\" colspan=\"1\" style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: left;\">support@hodlnaut.com<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td rowspan=\"1\" colspan=\"1\" style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: left;\"><strong>Promotions<\/strong><\/p>\n<\/td>\n<td rowspan=\"1\" colspan=\"1\" style=\"border: 1px solid rgb(0, 0, 0);\">\n<p style=\"text-align: left;\">Earn up to $40 for opening and funding an account<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n","protected":false},"excerpt":{"rendered":"<p>Hodlnaut is a Singapore-based company that offers one of the most beginner-friendly and low-fee crypto interest accounts on the market today. <\/p>\n","protected":false},"author":11,"featured_media":5133,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[674],"tags":[671],"acf":[],"_links":{"self":[{"href":"https:\/\/www.cultofmoney.com\/wp-json\/wp\/v2\/posts\/5099"}],"collection":[{"href":"https:\/\/www.cultofmoney.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.cultofmoney.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.cultofmoney.com\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cultofmoney.com\/wp-json\/wp\/v2\/comments?post=5099"}],"version-history":[{"count":41,"href":"https:\/\/www.cultofmoney.com\/wp-json\/wp\/v2\/posts\/5099\/revisions"}],"predecessor-version":[{"id":8670,"href":"https:\/\/www.cultofmoney.com\/wp-json\/wp\/v2\/posts\/5099\/revisions\/8670"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.cultofmoney.com\/wp-json\/wp\/v2\/media\/5133"}],"wp:attachment":[{"href":"https:\/\/www.cultofmoney.com\/wp-json\/wp\/v2\/media?parent=5099"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cultofmoney.com\/wp-json\/wp\/v2\/categories?post=5099"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cultofmoney.com\/wp-json\/wp\/v2\/tags?post=5099"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}