Only 30% of low-income families have a savings account. 일반적인 저축 계좌의 중간 금액은 대략 $1,010였습니다.
실직과 가족 부양 외에도 재정적 스트레스는 불길을 부채질할 뿐입니다. 많은 사람들이 은행 서비스를 받지 못하거나 은행 서비스를 받지 못합니다. There has to be an alternative.
귀하는 법정화폐 기반 저축 계좌로 이자를 받는 데 익숙해졌습니다. 블록체인 프로토콜과 암호화폐는 약간 다르게 작동합니다. You won't earn interest by just holding.
블록체인 프로토콜은 종종 위협적이거나 혼란스러울 수 있습니다. 암호화폐 저축 계좌는 암호화폐를 그대로 두고 싶지 않은 사람들을 위한 우아한 솔루션을 제공합니다.
회사는 보유함으로써 이자를 지불할 것입니다. To learn more about crypto savings accounts, read our guide below.
암호화폐 저축 계좌 작동 방식
암호화폐 저축 계좌는 기존 저축 계좌와 유사하게 작동합니다. The company (with where you are holding your crypto) will lend, invest, or stake your crypto. They will then pay you a percentage of regular passive income interest payments.
이 회사들은 거래소 중 다수입니다. Companies like Coinbase, Binance, BlockFi, Celsius, and Nexo offer crypto savings accounts to their customers. The interest rates will vary as well as annual returns, lock-up periods, and how often you'll earn interest payments.
예를 들어, BlockFi를 사용하면 최대 11% APY의 변동 이율을 볼 수 있습니다.
It'll depend on the cryptocurrency too. Bitcoin 및 Ethereum는 이자율이 낮은 경향이 있습니다(~3%). Stablecoins (GUSD) and altcoins (ADA, SOL, AVAX) tend to have higher interest rates (~10-11%).
이러한 암호화폐 거래소 중 하나의 저축 계좌는 귀하가 장기간 암호화폐를 잠그는 데 동의하는 경우 더 유리한 금리를 제공할 것입니다. The same is true if you hold with a platform-specific token. 예를 들어, Nexo에서 NEXO 거버넌스 토큰을 보유하면 ~4%의 이자율을 얻을 수 있습니다.
일부 암호화폐 거래소(Binance, Crypto.com)의 경우 해당 암호화폐가 잠겨 있으면 판매할 수 없다는 점을 명심하세요.
이것이 바로 실사를 수행하고 자체 조사(DYOR)를 수행하는 것이 중요한 이유입니다.
암호화폐 저축 계좌를 고려하는 이유는 무엇입니까?
A crypto savings account allows anyone to access financial services. Unlike legacy fiat-based platforms, these services would only be available to institutional investors.
Aside from the passive income, you'll earn by opening a crypto savings account, they offer a convenient solution that diminishes the risk. These crypto companies are backed by insurers and work with established custodians (BitGo).
최고의 암호화폐 저축 계좌
With so many crypto savings accounts available, it's easy to get overwhelmed. Let us guide you on the best crypto savings accounts available below.
KuCoin
많은 사람들이 KuCoin가 최고의 암호화폐 거래소 중 하나라는 데 동의합니다. What you may not be aware of is their savings option—KuCoin Earn. KuCoin Earn offers a high APY (~6.1% APY with USDT) by saving, staking, or promotional offers.
You will love how many more crypto assets KuCoin offers too.
Nexo
Nexo is another way to earn savings on crypto. You will love their minimal lock-up times (less than 24 hours) and third-party guarantees.
You can even earn a high yield with fiat in addition to cryptocurrencies.
Opening a new account will earn you $25 in bitcoin too. You just have to deposit at least $100 and hold it for at least 30 days.
Binance
Binance is one of the most popular exchanges that also offers a savings option. With Binance Earn you are presented with a suite of products for you to grow your crypto holdings easily.
이러한 제품에는 유연한 예금, Launchpool, BNB Vault 등이 포함됩니다. Binance가 사용할 수 있는 제품이 계속 출시될 것으로 예상할 수 있습니다.
There are two types of earnings with Binance—Guaranteed and High Yield. You can decide if you want predictable returns or higher yields.
OKX
OKX offers a "Savings" product too on their exchange. Users love the fact that you can earn interest hourly and deposit/withdraw crypto assets whenever. The hourly interest will help you achieve maximum efficiency for your crypto assets.
No need to concern yourself with the borrowing demand, you'll get the highest interest rate regardless. Investing in larger amounts will earn you even more with increased limits.
Gateio
Gateio offers a savings solution too with HODL&Earn. Users can earn passive income just by holding. No early withdrawal is allowed for the lock up and earn product.
The team is trying to offer as many crypto assets as possible. Head to their support page to see what coins and APY they currently offer.
Crypto Savings Accounts vs. Crypto Wallets
You'll want to familiarize yourself with the similarities and differences between a crypto savings account and a crypto wallet. Read below for the comparison.
Interest
When you hold crypto in a crypto wallet, the number of coins won't change over time (unless more is sent). With a crypto savings account, the number of coins you own will increase over time.
Keys
The key difference between a crypto savings account and a crypto wallet is who has access to the private keys.
With a savings account, you give up access to your private keys. This allows for the exchange to lend your crypto to other users.
With a crypto wallet, you own the private keys. With great responsibility comes great risk. Follow best security and safety practices if you go this route.
Security
If you lose your private keys with a crypto wallet, you can kiss your crypto goodbye. The same is true if you lose your phone or it gets stolen. This remains true even if you have 2FA.
Crypto savings have built-in redundancies to secure the private keys. They have taken certain practices from bank-level security to the next level.
Hold Your Crypto Savings and Prosper
These days, people don't have to rely on traditional banking systems to earn interest. Savings accounts are available to all with crypto exchanges.
저축 솔루션을 제공하는 암호화폐 거래소가 너무 많아서 하나를 결정하는 것이 어려울 수 있습니다. 좋은 소식은 하나만 선택할 필요가 없다는 것입니다. That is the beauty of crypto.
저축 할인 페이지를 확인하고 마음에 드는 상품을 구독하시기 바랍니다. 많은 제품이 높은 APY 비율과 유연한 기간을 제공합니다.