Lending vs Staking: Which Earns More?
Compare projected earnings from lending your crypto on DeFi protocols versus staking it on the network. Includes liquid staking options.
Your Holdings
~$35,000 at $3500/ETH
Lending
Supply to DeFi protocols
APY
2.5%
Projected Earnings
$875
Liquidity: Withdraw anytime
Risk: Smart contract risk
Higher Yield
Native Staking
Validator staking
APY
3.8%
Projected Earnings
$1,330
Lock-up: Variable (exit queue)
Slashing: Low
Best of Both
Liquid Staking
stETH, mSOL — stake + stay liquid
APY
4.2%
Projected Earnings
$1,470
Liquidity: Tradeable token
Bonus: Usable as DeFi collateral
Over 12 months, staking earns
$455 more
than lending for 10 ETH
Important: APY rates are approximate and fluctuate. Prices are approximate. This is not financial advice.
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