Ngā Kaute Penapena Crypto Paihere i 2026 (Kua Whakatauria)
Whakatauranga tata i te whakataurite o ngā pūkete penapena crypto rangatira. Ka arotakea e mātou ngā reiti APY, ngā tikanga ārai, ngā utu, te haumaru, me te tere o te tango moni hei āwhina i a koe ki te kimi i te wāhi pai mō te whiwhi pānga i tō crypto.
He aha te Kaute Penapena Crypto?
He kaute penapena cryptoka tuku i a koe ki te tuku rawa matihiko me te whiwhi pānga i te roanga o te wā, ōrite ki tētahi kaute penapena pēke tuku iho engari me ngā hua nui ake. Mā te kore e whiwhi 0.5% APY i te pēke, ka taea e ngā kaute penapena crypto te tuku i waenga i te 3% me te 8% APY i runga i moni pūmau pērā i USDC.
Ka puta ake ngā hua nui ake i te āhua e whakamahia ai ōu tāpiritanga. I te wā e whiwhi ana te pēke tuku iho i ōu moni ki ngā kaiwhiwhi nama me ngā pakihi (ka pupuri i te nuinga o te pānga), ka tuku ngā papatono penapena crypto i ōu pūtea ki DeFi ngā mākete nama, ngā pūkete waiwai, rānei ngā nama whakahaere — e tuku ana i tētahi wāhanga nui ake o te hua ki a koe.
He rua ngā momo matua o ngā pūkete penapena crypto: CeFi (ngā papatono pūtea ā-motu) pērā i a Nexo me Coinbase, e whakahaere ana te kamupene i ō pūtea mōu, ā, DeFi-powered papatono pērā i a Coinstancy, e tuku ana ō tāke ki ngā tikanga mārama, kei runga i te aho. Ka hono hoki ētahi kaiwhakamahi tika ki ngā tikanga nama DeFi pērā i Morpho rānei Aave, ahakoa e hiahiatia ana e tēnei te mōhiotanga hangarau me te tiaki whaiaro.
Ngā Hua Nui ake
Whiwhi 5-8% APY i ngā moni pūmau, kāore i te 0.5% e tukuna ana e te nuinga o ngā pūkete penapena tuku.
Whakarāpopoto Iā Rā
Ka riro te pānga o te painga ia rā i te nuinga o ngā papatono, arā ko te whiwhi painga i runga i tō painga ia haora 24.
Mārama i te Rārangi-aho
Ka taea e ngā papatono i hāngai ki te DeFi te tirotiro tika i te wāhi i tukuna ai ō pūtea i ngā wā katoa i te pūnaha blockchain.
Ngā Kaute Penapena Crypto i te 2026
I arotake mātou tekau mā toru o ngā papatono penapena crypto i runga i te APY, te haumaru, ngā utu, ngā tikanga utu, me te mārama. Anei ngā kōwhiringa e ono pai rawa i te 2026, kua rangahauhia e te uara katoa mō te kai penapena tōmua.
Coinstancy
7% APY i USDC — Whakawhitinga o ia rā — Kāore he ārai
Ko Coinstancy he papatono penapena i hikoia e DeFi e tuku ana 7% APY i USDC me te whakawhitinga o ia rā, kāore he wā ārai, me ngā tango tere. Ka tukuna tō USDC ki ngā rautaki nama i runga i te ipurangi kua whiriwhiri, e taea ana e koe te tirotiro tika i te pūkete. Kāore he utu huna — ko te hua e kite ana koe ko te hua e whiwhi ana koe.
Ko te mea e wehewehe ana i a Coinstancy ko tōna whakakotahitanga o te hua nui me te māmā. Kāore koe e hiahia ki te whakahaere pūkete, ki te kōwhiri pūkete kāri, me te āwangawanga mō ngā utu hinu. Ka whakahaere te papatono i te uauatanga katoa o te DeFi i muri i tētahi atanga mā, e whakaaetia ana ki ngā kaiwhakarato tuatahi, ā, ka tuku tonu i te mārama ki ngā kaiwhakamahi DeFi wheako.
Nexo
Kia tae ki te 6% APY i runga i ngā stablecoins — CeFi — Kua mau mō ngā reiti pai rawa
Nexo he papatono tuku nama CeFi kua tau roa, kua whakahaere mai i te tau 2018. Ka tautoko i te whānui o ngā rawa tae atu ki te BTC, ETH, me ngā moni pūmau (USDC, USDT, DAI). Ko te reiti taketake mō ngā moni pūmau he tata ki te 4% APY mō ngā tāke huringa, engari ka taea e koe te whakatuwhera ki te 6% APY mā te pupuri i ngā tohu NEXO me te whiriwhiri i ngā tāke wā roa 1-3 marama.
Nexo e tuku ana i ngā whakamana arotake i te wā tūturu mā Armanino, he kamupene kaute US kua whakaaetia. Ka mau te papatono i te inihua mō ngā rawa tiaki, ā, ka whakahaeretia i ngā rohe maha. Ko te tino koretanga ko te pūnaha rangatiratanga ā-rauemi — ko te whiwhi i te reiti tiketike e hiahiatia ana kia mau i te nui o ngā tohu NEXO, ā, ka whakapiki i te mōrearea rawa. Hei papatono CeFi, e whakawhirinaki ana koe ki a Nexo ki te whakahaere i ō pūtea i te āhua tika.
Coinbase Whiwhi (Ngā Utu USDC)
4.1% APY i runga i te USDC — CeFi — Kāore he here
Ka tuku a Coinbase i ngā utu USDC ā-māui ki ngā kaiwhakamahi katoa e pupuri ana i te USDC i tō rātou pūkete Coinbase. Ko te reiti o nāianei he tata ki te 4.1% APY, e tatauhia ana ia rā, ā, ka utua ia marama. Kāore he here, kāore he moni tāpiri mō te iti rawa, ā, ka whakahohe aunoa ngā utu mō ngā pūkete e whakaaetia ana.
Ko te painga nui rawa o Coinbase Earn ko te māmā — mēnā kua whakamahia e koe a Coinbase, ka whiwhi hua pānga noa mā te pupuri i te USDC. He kamupene tautohetohe a Coinbase (NASDAQ: COIN), e whakahaeretia ana e ngā mana pūtea o te US, ā, ka tuku inihua FDIC mō ngā toenga USD (ahakoa kāore i te USDC anō). Ko te taha kino ko te APY iti noa o te 4.1%, he iti iho i te nuinga o ngā papamahi penapena motuhake.
Binance Whiwhi
2-5% APY i ngā moni pūmau — CeFi — Kōwhiringa ngawari me te mau
Ko Binance Earn he kohinga hua whakaputa i runga i te taonga whakawhiti moni crypto nui rawa o te ao. Ka tukuna e ia a Simple Earn (whakarereketanga me te mau), Dual Investment, me ngā hua hanganga. Mō ngā kaiwhakaora moni pūmau, ka whakaputa ngā tāpiritanga ngawari a Simple Earn i te 2-3% APY, ā, ko ngā tāpiritanga mau mō te 90 rā ka tae ki te 4-5% APY i runga i USDC me USDT.
Kei a Binance te mokowā hohonu rawa atu me te whānui rawa o ngā rawa kei runga i tētahi whakawhiti. Heoi, e pā ana te papatono ki ngā wero whakahaere tonu i ngā whenua maha, ā, kāore i te wātea i te United States. Ka huri haere ngā hua i te nuinga i runga i te hiahia o te mākete, ā, he wā poto te utu whakatairanga. He uaua te rōpū hua Binance Earn, me ngā tini kōwhiringa e āwangawanga ana mō ngā tīmata.
Aave (Tere DeFi)
3-5% APY i runga i ngā moni pūmau — DeFi — Kāore he ārai — Mana motuhake
Ko Aave te kaupapa tukanga tuku moni mārō nui rawa, me te nui ake i te $15 piriona i te uara katoa kua mau puta noa i Ethereum, Polygon, Arbitrum, Optimism, me ētahi atu aho. Ka taea e koe te tuku USDC, USDT, rānei DAI tika, ka whiwhi painga huringa e whakarerekē ana i runga i te hiahia whakawhiwhi. Ko ngā reiti tuku USDC o nāianei i runga i te Ethereum mainnet e tata ana ki te 3-5% APY.
Ko te painga o Aave ko te rangatiratanga whaiaro katoa — kei roto i ō pūtea i kōtaha atamai ka whakawhiti kōrero i tōna ake, kāore he kaiwhakawhiti. Ko te āhua kino ko te uaua: me whai pūkete Web3, ETH mō ngā utu hinu, me te mōhiotanga ki te huri i ngā atanga DeFi. He rerekē hoki ngā reiti, ā, ka heke nui i ngā wā o te hiahia iti.
Morpho (DeFi Tūturu)
4-7% APY i ngā moni pūmau — DeFi — Kāore he ārai — Rangatiratanga whaiaro
Morpho he kaupapa tukutuku tuku nama o te whakatupu hou e whakapai ake i ngā reiti mā ngā pouaka tiaki kua whiriwhiri e ngā tohunga mōrearea. Mā te kore e whakamahi i tētahi pūkete tuku nama kotahi mō te katoa, ka waihanga a Morpho Blue i ngā mākete motuhake me ngā taura pūtea me ngā paerewa mōrearea motuhake. Ka tohaina e ngā kaiwhakahaere pouaka ngā pūtea ki ngā mākete nei hei whakapiki i te hua, i te wā e whakahaere ana i te mōrearea.
Ka taea e ngā pouaka Morpho te tuku hua nui ake i te Aave (4-7% i runga i te USDC i runga i te kaiwhakahaere pouaka) nā te mea e aro ana rātou ki ngā mākete nama motuhake me te whakamahinga nui ake. Ko te whakawhitinga koia ko te mea ko ia pouaka he āhua mōrearea uara ake i te rautaki a te kaiwhakahaere. Pērā i te Aave, me whai pūkete Web3 me wheako DeFi hei whakamahi i a Morpho tika. Ka whakamahi a Coinstancy i a Morpho hei tētahi o ngā puna hua i raro, e tuku ana i te urunga ki ēnei reiti kua whakapai ake me te kore uauatanga.
Whiwhi 7% APY i runga i te USDC
Daily compounding, no lock-up, instant withdrawal. Start earning in under 5 minutes.
Open Your AccountComparison Table
All six platforms side by side. Compare APY, supported tokens, lock-up requirements, fees, minimum deposits, insurance, and custody models at a glance.
| Papamahi | APY (Stablecoin) | Tokens | Kati | Utu | Min Deposit | Insurance | Kaitiaki |
|---|---|---|---|---|---|---|---|
| Coinstancy | 7% | USDC | Kore | Kore | $1 | On-chain | DeFi-powered |
| Nexo | 4-6% | USDC, USDT, DAI | 1-3 mo for best rate | Kore | $10 | $775M custodial | CeFi |
| Coinbase Earn | 4.1% | USDC | Kore | Kore | $1 | FDIC on USD only | CeFi |
| Binance Whiwhi | 2-5% | USDC, USDT, FDUSD | Flexible or 30-120 days | Kore | $1 | SAFU fund | CeFi |
| Aave (Direct) | 3-5% | USDC, USDT, DAI, GHO | Kore | Utu hinu | Kāore he mōkito | Modū Haumaru | Tiaki Ake |
| Morpho (Tūturu) | 4-7% | USDC, USDT, DAI | Kore | Utu hinu | Kāore he mōkito | Arotake per-papa | Tiaki Ake |
Me Pēhea te Kōwhiri i te Pūkete Penapena Crypto Tino Pai
Ehara i te katoa o ngā pūkete penapena crypto i te tika mō ia kaiwhakamahi. Anei ngā āhuatanga e ono e tino nui ana i te kōwhiringa i te wā e rapu ana koe i te wāhi ki te whakatakoto i ō pūtea.
APY (Rau Pūrere Tau)
Te tau matua, engari ehara i te mea kotahi anake e whai tikanga. Whakataurihia te APY māra i muri i ngā utu, ā, tirohia mēnā he tau pūmau, he tau huringa rānei. Ka riro te 7% APY pūmau i te 10% whakatairanga e heke ki te 2% i muri i te 30 rā.
Haumaru me ngā Arotake
Mō CeFi, tirohia mēnā kei te papatono he taunakitanga pūtea, ngā raihana whakahaere, me te inihua. Mō DeFi, rapua ngā kirimana atamai kua arotakengia, ngā rautaki mārama i runga i te aho, me tētahi hītori kore he tukanga hara.
Ngā Tikanga Tohe
Ka taea e koe te uru ki ō pūtea i te wā tonu, kāore rānei he wā tatari? He maha ngā papatono e tuku ana i ngā reiti tiketike mō ngā tāpiritanga kua mau, engari ka whiwhi whiwhinga mō ngā tango i mua i te wā. He tino pai mō te nuinga o ngā kaiwhakarato te tango i te wā tonu kāore he mau.
Utu
Kimihia ngā utu tāpiritanga, ngā utu tango, ngā utu whakahaere, me ngā utu hinu. He maha ngā papatono e pānui ana i te APY tiketike engari ka tango nui i te moni. Ko ngā papatono tino pai, pērā i a Coinstancy, kāore e utu ana i te kaiwhakamahi.
Mana me te Hītori
E hia te roanga o te wā e whakahaere ana te papatono? Kua riri rānei, kua mau ngā tārewa i mua i te wā? I whakaatu ngā hinga CeFi o te 2022 (Celsius, BlockFi, Voyager) ko te ingoa rongonui he mea nui ake i te hua i te whiriwhiri i tētahi papatono penapena.
Whakahaere
Kei raro i te anga whakahaere whakatōpū te papatono? Me whai ngā papatono kua whakatōpū i ngā whakaritenga pūtea, ngā paerewa pūrongo, me ngā ture tiaki kaihoko. Ka rerekē te wātea i ia whenua.
Penapena Crypto ki te Pēke Tūmatanui
E hia te moni anō ka taea e koe te whiwhi mā te pūkete penapena crypto i te whakataurite ki tētahi pēke tuku iho? Ka whakaatu te ripanga i raro nei i te tipu e whakaarohia ana o tētahi tāke $10,000 i ngā reiti APY rerekē i roto i te 1, 3, me te 5 tau me te whakakotahi o ia rā.
| Momo Pūkete | APY | I muri i te tau 1 | I muri i te tau 3 | I muri i te tau 5 |
|---|---|---|---|---|
| Pēke Tuku Iho (Wāwā) | 0.5% | $10,050 | $10,151 | $10,253 |
| Penapena Hua-nui (US) | 4.0% | $10,408 | $11,275 | $12,214 |
| Coinbase Whiwhi (USDC) | 4.1% | $10,419 | $11,292 | $12,252 |
| Coinstancy (USDC) | 7.0% | $10,725 | $12,336 | $14,191 |
Ka whakatau te tatauranga i te whakakotahi ia rā, kāore he tango moni, me te APY pūmau i te roanga katoa. Ka rerekē pea ngā hua tūturu. Kāore te mahi o mua e whakarite i ngā hua o te rā kei te heke mai.
Ngā mōrearea hei whakaaro
Ka tuku ngā pūkete penapena crypto i ngā hua nui ake i ngā pēke, engari he mōrearea hoki kei roto e me mārama koe i mua i te tāpui moni. Anei ngā momo mōrearea nui e whā.
Mōrearea Papamahi (CeFi)
Ka tuku moni ki tētahi papatono CeFi, ka whakawhirinaki koe ki te kamupene ki te whakahaere i ō pūtea i runga i te tika. Mēnā ka riro te papatono i te kore utu, ka pāwhai, rānei ka hē te whakahaere mōrearea, ka ngaro ō tāke. I whakakāhore katoa e Celsius, BlockFi, me Voyager ngā tāke i te tau 2022, ā, i tono rātou mō te hara pūtea, nā reira i ngaro i te tini māra o ngā kaiwhakamahi. Me mātaki tonu i te taunakitanga pūtea, te tūnga whakahaere, me te ārai inihua i mua i te whiriwhiri papatono CeFi.
Mōrearea Kaitāhuna Ngātahi (DeFi)
Ko ngā papatono penapena DeFi e tuku ana i ō pūtea ki ngā kirimana atamai. Mēnā he ngoikoretanga kei te kirimana atamai, ka taea e tētahi kaiwhakawhiu te whakawetere i ngā pūtea. Ka whakaitihia tēnei mōrearea mā te whakamahi i ngā tikanga me ngā hītori arotake whānui (pērā i te Aave me Morpho), ngā hōtaka utu mō ngā hapa, me te hītori roa kāore he whakakino. Ka whakaiti anō ngā papatono pērā i a Coinstancy i tēnei mōrearea mā te whakawhānui i ngā tikanga arotake maha.
Mōrearea Ture
Kei te huri haere te āhua whakahaere mō ngā hua penapena crypto. Kua aukatia, kua whakatūria rānei e ētahi rohe ngā hua crypto whai hua pānga (hei tauira, te mahi a te SEC ki a BlockFi i te tau 2022). Ka taea e ngā ture ā muri ake te pā ki ngā reiti APY, te wātea o ngā papatono, me te hiahia kia whakarerekē ngā papatono i ā rātou tuku. Kōwhiria ngā papatono e whai wāhi ana ki te mahi tahi me ngā kaiwhakahaere ture, ā, e whakahaere ana i raro i ngā anga ture mārama.
Mōrearea Whakawhāiti o te Stablecoin
Moni pūmau ka hoahoa kia pupuri i te hononga 1:1 ki te tāra US, engari ka taea e rātou te rerekē mō te wā poto. I te wā poto, i takoto te USDC ki te $0.87 i te marama o Poutū-te-rangi 2023 i te wā i hinga ai te Pēke o Silicon Valley (he wāhanga o ngā tahua a Circle's i mau ai). I te wā i whakaora katoa ai te USDC i roto i ngā rā, ka taea e ngā kaupapa taketake te hua i ngā ngaro mō te wā poto. He tino whakaarohia te USDC hei moni pūmau mārama rawa atu, kua whakamanahia e ngā pūtea US poto me ngā tahua moni, ā, ka whiwhi i ngā whakamana ia marama i te Deloitte.
Kua rite ki te whiwhi 7% APY i runga i te USDC?
Kāore he here. Whakarāpopoto i ia rā. Tangohanga tere. Hono atu ki ngā mano kaiwhiwhi moni i kōwhiria a Coinstancy.
Timata Whiwhi I Tēnei RāMe pēhea te tīmata me Coinstancy
Ko te whakatuwhera i tētahi pūkete penapena crypto i Coinstancy e iti iho i te 5 meneti. Anei te tukanga hipa-mahi mai i te rēhitatanga ki te whiwhi 7% APY i tō USDC.
Waihangahia tō Pūkete
Haere ki app.coinstancy.com ka rēhita mā tō wāhitau īmēra. Whakaūhia tō īmēra hei whakahohe i tō pūkete. Kāore he KYC e hiahiatia mō te tīmata.
Tuku USDC
Tuku te USDC ki tō pūkete Coinstancy. Ka taea e koe te tāpui mai i tētahi whakawhitinga moni, pūkoro rānei. Ko te tāpui iti rawa he $1 noa. Ka tukuna tō pūtea ki ngā rautaki DeFi ināianei tonu i te wā e tāpui ana.
Tīmata ki te whiwhi 7% APY
Ka timata tō USDC ki te whiwhi 7% APY me te whakakotahi ia rā i te wā ka tāpuiia. Ka taea e koe te aroturuki i ō whiwhinga i te wā tūturu i runga i tō papamahi. Ka piki te pānga ia rā, ā, ka whakahoki ki te investa aunoa.
Tukua i ngā wā katoa
Kāore he wā ārai, kāore hoki he whiu tārewa. Tonoa he tārewa i ngā wā katoa, ka whiwhi i tō USDC me ngā painga katoa kua kohia i te wā tonu. Ka mau tonu 100% o ō whiwhinga.
Ngā Pātai Auau
He aha te pūkete penapena crypto tino pai i te tau 2026?
He haumaru ngā pūkete penapena crypto?
Me pēhea te whakakotahi i ngā penapena crypto ia rā?
Me utu tāke au mō te painga i te pūtea penapena crypto?
He aha te rerekētanga i waenga i te APY me te APR i ngā penapena crypto?
Ka taea e au te tango i ōku penapena crypto i ngā wā katoa?
Haere tonu ki te ako
Whakapakari tō mārama ki te hua crypto, ngā tikanga DeFi, me ngā rautaki penapena.
He aha te APY i roto i te Crypto?
Mārama ki te mahi a te APY, te rerekētanga i te APR, me te pēhea e whakapiki ai te whakakotahitanga i ō whiwhinga crypto i te roanga o te wā.
Pānui Aratohu AratohuAratohu Morpho
Ako i te āhua o ngā pouaka tiaki kua whiriwhiri a Morpho Blue's me ngā mākete motuhake e tuku ana i ngā reiti kārihi kua whakapai ake mō ngā kaiwhakarato moni pūmau.
Pānui Aratohu AratohuAratohu Hua Stablecoin
Mēnā kei hea e whiwhi ai i ngā utu pai rawa mō ngā moni pūmua i te tau 2026. Ngā rautaki, ngā mōrearea, me te whakataurite papatono.
Pānui AratohuTimata ki te tipu i ō penapena i tēnei rā
Whiwhi 7% APY i runga i te USDC me te whakakotahitanga ia rā, kāore he here, me ngā tango tere. Kua rite tō pūkete penapena crypto i raro i te 5 meneti.
Whakatuwheratia tō Pūkete CoinstancyKei te tatari te Pūkete Penapena Crypto pai rawa
Whiwhi 7% APY i runga i te USDC me Coinstancy. He whakakotahi ia rā, kāore he here, he tango tere.