Flexible savings, locked staking, dual-investment products and auto-compound vaults — all audited, insurance-backstopped, and one tap away. Over $2.1B already earning on PayBit.
Rates update every epoch. Flexible means withdraw anytime; locked means a fixed commitment window.
| Asset | Product | APY | Duration | Validator / Source | Risk | Min | |
|---|---|---|---|---|---|---|---|
| BTC | Flexible | 3.2% | Any | Babylon restake pool | Low | 0.001 | Subscribe |
| ETH | Liquid staking | 4.6% | Any | PayBit ETH pool + EigenLayer | Low | 0.02 | Subscribe |
| ETH | Locked | 5.8% | 30d | PayBit institutional validators | Low | 0.05 | Subscribe |
| USDT | Flexible savings | 6.5% | Any | Market-neutral lending | Low | 50 | Subscribe |
| USDC | Locked | 7.2% | 90d | Aave v4 + Morpho | Low | 50 | Subscribe |
| SOL | Native staking | 6.1% | Any | PayBit SOL validator (0% commission) | Low | 1 | Subscribe |
| DOT | Nominated staking | 8.0% | 28d | Active set nominators | Medium | 10 | Subscribe |
| ATOM | Native staking | 12.4% | 21d | Validator set (top 30) | Medium | 1 | Subscribe |
| AVAX | Native staking | 7.6% | 14d | PayBit AVAX node | Low | 0.5 | Subscribe |
| SUI | Native staking | 4.2% | Any | PayBit SUI validator | Low | 5 | Subscribe |
| APT | Native staking | 7.1% | 30d | PayBit APT validator | Low | 5 | Subscribe |
| TIA | Native staking | 14.8% | 21d | Celestia top validators | High | 1 | Subscribe |
| NEAR | Native staking | 9.4% | 3d | PayBit NEAR pool | Medium | 1 | Subscribe |
| ADA | Native staking | 3.1% | Any | PAYBIT pool | Low | 5 | Subscribe |
| MATIC | Locked | 5.3% | 60d | Polygon staking contract | Low | 10 | Subscribe |
| DAI | Locked | 6.8% | 60d | Sky Protocol savings | Low | 100 | Subscribe |
Deposit stablecoins or BTC and withdraw any time. Interest accrues every hour, auto-compounds daily.
Lock 30, 60 or 90 days for higher yield. Principal is slashing-protected by the $500M insurance fund.
Sell covered calls or cash-secured puts at a strike you choose. Earn premium whether your strike hits or not.
Stake BNB, ETH or USDT to farm tokens of brand-new projects before they list publicly.
Curated strategies across Aave, Morpho, Pendle and Ethena — rebalanced by PayBit's quant desk every 4 hours.
Stake ETH and receive pETH — trade it, lend it or use it as collateral while still earning staking yield.
Compounding is computed per epoch (12 seconds on ETH, a slot on SOL). All returns include PayBit's 0% commission — what you see is what you keep.
Rewards re-stake themselves — no manual claims, no dust left on the table.
Every staked asset is protected up to 100% against validator misbehavior.
Flexible means flexible. You can withdraw in seconds, no cooldown shenanigans.
Adjust the amount, asset and horizon.
Illustrative only. APYs change per epoch and past performance is not indicative of future returns.
Choose a target price and expiry. You earn premium no matter what — if your target hits, you settle in the paired asset.
Stablecoin savings and POS staking on tier-1 chains. Principal protected by PayBit's $500M insurance fund and blue-chip validator selection.
Typical APY: 3–8%
DeFi strategies across Aave, Morpho, Pendle and Ethena. Smart-contract audited, but exposed to protocol-level risk not covered by our fund.
Typical APY: 8–15%
Option-like payoffs and new-token farming. Capital can convert to the paired asset at expiry. Read the product page before committing.
Typical APY: 15%+
Slashing and custodial loss cover underwritten by a Lloyd's of London syndicate.
Rewards reinvest every epoch. No gas cost, no dust left behind.
Smart contracts audited by Trail of Bits, OpenZeppelin and Certora.
APY is the effective annualised yield after daily compounding. For staking assets, it includes both block rewards and MEV/tip revenue, minus our 0% commission.
Flexible savings and native staking are backed by our $500M insurance fund. Yield Vaults and Dual Investment carry protocol and market risk, disclosed on each product page.
Every epoch (seconds to hours depending on asset). Rewards are visible in real time and auto-compound — or you can switch to manual claim.
None if you hold to maturity. Early unstake is possible on most products with a fee equal to the forward interest discount (shown up-front).
For ETH, SOL, DOT, ATOM and ADA, yes — you can delegate votes while PayBit runs the validator. Governance participation is opt-in.
In most jurisdictions, staking rewards are taxable as ordinary income at receipt. PayBit provides a yield statement and a transaction CSV for easy filing.