Crypto savings accounts are increasingly used as a way to earn passive income in 2026. Bank rates barely beat inflation. Many crypto holders look for ways to generate yield from idle assets. Variable APYs create problems because they change fast. A rate of 12 percent today can drop to just 3 percent next month.

Fixed-income products work differently. You lock in the rate from the start and receive payments in stablecoins. Varntix offers a fixed-rate model with advertised returns of up to 24% APY in USDT or USDC.  Varntix is a digital platform that provides fixed-return crypto savings products.

The sections below compare Coinbase, Nexo, Binance Earn, and Ledn with this model. 

How major savings accounts compare

Listed below are the…