CoinDepo is introducing revised Earn rates effective November 8, 2026. The changes connect the economics of each supported asset with the practical requirements of managing client capital acr
CoinDepo is introducing revised Earn rates effective November 8, 2026. The changes connect the economics of each supported asset with the practical requirements of managing client capital across different account lengths.
Client deposits are placed into a diversified portfolio whose primary focus is lending. At the close of the second quarter of 2026, overcollateralized crypto lending represented 37% of deployed capital and microcredit programs represented 24%. Remaining allocations covered liquidity pools, real-world and private-market investments, stablecoin yield strategies, and market-neutral trading.
Income produced by these activities funds the interest paid to users and also covers operating costs and liquidity needs. The resulting APRs therefore align with the broader economics of operating the CoinDepo platform.
Daily APRs will decline for every asset listed in CoinDepo’s 30-asset update table. EURC is handled separately and keeps its 10% Daily APR. USDT and USDC Daily APRs will adjust from 17% to 15% while their Annual APRs change from 23% to 22%. BTC and ETH Daily APRs move from 12% to 11%, with Annual APR remaining at 18%.
Across the 30 assets, the difference between Daily and Annual rates expands from six percentage points to seven. The adjustments will also be asset-specific as well as period-specific; the Annual APR for Filecoin (FIL), for instance, will be changed from 18% to 12%.
Short-term funds require the platform to retain greater flexibility so that withdrawals can be met without delay. A more predictable funding horizon simplifies the planning of capital allocation and the matching of funds with available lending and investment opportunities. The wider gap between Daily and Annual APRs places greater weight on that planning advantage. Daily accounts continue to be offered for users who place priority on ready access to their funds.
CoinDepo’s open Monthly, Quarterly, Semi-Annual and Annual Interest Accounts will keep their current APR through the remainder of the active term. Revised rates apply only to accounts that are newly opened or renewed after the effective date. The complete before-and-after comparison appears in the platform’s Earn rate update, together with the business disclosures that describe the activities supporting client interest.
CoinDepo is a centralized digital asset platform that provides crypto interest accounts and portfolio-backed borrowing services.
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