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Yield App Review

Yield App is a regulated digital asset wealth management platform allowing users to earn market-leading interest rates on stablecoins and cryptocurrencies.

Yield App is known for its beginner-friendly approach, prioritizing capital protection and sustainable returns. The platform offers various account tiers based on the amount of YLD tokens held by the user, with different benefits and features.

With its strong regulatory framework and security measures, Yield App offers a reliable and secure platform for individuals seeking to earn passive income on their crypto assets. Overview

Yield App

  • A market-neutral way to earn yield on crypto without lending
  • Risk-adverse approach to yield
  • Resilient company with billions processed
  • Does not use leverage to boost yield
Cryptocurrencies: Bitcoin, Ether, USTD (7+)
Countries supported: 140+
  • Comprehensive Loyalty and Referral Programs

  • High-Interest Rates

  • Yield App offers a secure platform with user friendly experience.

  • Somewhat limited crypto assets

  • High-interest rates come with long asset lock-up

  • Currently not available to US residents

What is Yield App?

As mentioned, Yield App is a regulated digital asset wealth management platform. It offers users the opportunity to earn passive income on their cryptocurrency assets.

It also has a crypto exchange that lets you swap between cryptocurrencies, including fiat currencies such as the EURO and GBP.

The platform strikes a balance between a DeFi-centric protocol and a traditional banking app where users are protected from the uncertainty of DeFi but still benefit from the high yields of a traditional wealth management platform.

Yield App provides daily payouts. The platform caters to beginner investors with low minimum deposits and offers higher interest rates for longer lock-up periods.

Users can trade and earn interest on stablecoins, Bitcoin, Ethereum, Avalanche, and Binance coin, to mention a few.

Features and Benefits

With its features and advantages, this digital asset wealth management platform offers users a secure and user-friendly solution to maximize their investment potential.

Users can choose from different products, including Flexible, Earn+, and Earn+ 365, each with varying lock-up periods and interest rates.

Additionally, Yield App functions as a crypto savings account and an exchange, allowing users to swap between coins without fees. You can swap assets such as BTC, ETH, USDT, DAI and BNB, and fiat currencies such as EUR and GBP.

The platform also offers a simulator for testing investment strategies and a comprehensive FAQ section for user support.

Supported Cryptocurrencies

The supported cryptocurrencies on Yield App include:

  • Bitcoin
  • Ethereum
  • Tether USDT Coin
  • TUSD, Dai
  • Binance Coin
  • Avalanche
  • And their native token, YLD

Different Account Tiers

Different account tiers on the Yield App platform provide users with varying interest rates and benefits based on the amount of YLD tokens staked in their account.

The platform offers four membership tiers: Bronze, Silver, Gold, and Diamond. Each tier offers different interest rates and perks.

To qualify for the highest interest rates, users must stake over 20,000 YLD tokens. The Bronze tier offers the lowest interest rates, while the Diamond tier provides the highest rates.

Additionally, Diamond tier members can access exclusive features such as the Earn+ 365 product.

The account tiers and staking requirements incentivize users to hold and stake YLD tokens, increasing their loyalty and engagement with the platform.

Interest Rates and APYs

Interest rates and annual percentage yields (APYs) on the Yield App platform vary depending on factors such as the chosen product, loyalty tier, and the amount of YLD tokens staked in the user’s account.

The platform offers different products, including Earn+, Earn+ 365, and Flexible, each with its own lock-in period and interest rates.

For the Earn+, you can expect a 5% to 9% interest rate. The Earn+ 365 comes with a 7% to 11% interest rate with assets locked for 365 days, and the Flexible package comes with much lower rates between 3% and 7%.

Additionally, the loyalty tier of the user plays a significant role in determining the interest rates they can earn. Higher loyalty tiers receive better rates, and only Diamond tier members have access to the Earn+ 365 product, which offers potentially higher returns.

Withdrawal Process and Fees

The withdrawal process on the Yield App platform is straightforward and convenient, allowing users to easily transfer their supported cryptocurrencies to their personal wallets or withdraw in EUR or GBP using the platform’s banking IBAN.

Users can initiate withdrawals through the platform’s interface, which is generally quick and efficient.

Withdrawals can take up to 3 business days to reflect in the user’s bank account, depending on their bank’s processing times. The platform applies spreads to most transactions, but no trading or conversion fees exist. However, withdrawal fees may apply for different assets and networks.

Diamond tier members, the highest loyalty tier, receive three free withdrawals per month.

Loyalty and Incentive Programs

This platform offers a unique avenue for earning interest through its proprietary token, YLD, and the loyalty tiers.

With a capped supply of 300 million, typically trading within the price range of $0.05 to $0.17 per token, YLD is actively listed on prominent exchanges, both centralized (CEXs) and decentralized (DEXs), such as KuCoin, Uniswap, and

Their loyalty and incentive program comes with four distinct membership tiers, each associated with varying interest rates and requiring a specific quantity of staked YLD tokens:

  1. Bronze Tier — Staking up to 999 YLD offers interest rates of up to 5%.
  2. Silver Tier — Staking between 1,000 to 9,999 YLD provides interest rates of up to 6%.
  3. Gold Tier — Staking between 10,000 to 19,999 YLD yields up to 7% interest rates.
  4. Diamond Tier — Staking 20,000 or more YLD tokens unlocks interest rates of up to 11%.

Furthermore, opting to lock your YLD tokens offers an attractive annual yield of 12%.

It’s important to note that out of the 300 million YLD tokens available, 45 million are set aside for distribution as rewards, enhancing the platform’s commitment to incentivizing user participation.

Regulation and Security Measures

Regulation and security measures play a crucial role in ensuring the safety and trustworthiness of any digital asset.

Yield App understands the importance of adhering to regulatory standards and has obtained a license from the Estonian Financial Intelligence Unit. This regulatory oversight gives users confidence in the platform’s operations and compliance with relevant laws.

In terms of security, Yield App employs military-grade security protocols and utilizes advanced encryption techniques to safeguard sensitive information. Additionally, the platform undergoes regular security audits to identify and address any vulnerabilities.


Yield App is a regulated and secure digital asset wealth management platform that offers lucrative interest rates on stablecoins and cryptocurrencies.

With its user-friendly interface and various account tiers, it caters to beginners and experienced investors alike. A Yield Pro account also offers risk-free wealth management with several functionalities for professional investors.

Jinia Shawdagor

About the Author

Jinia Shawdagor

Jinia is a fintech writer based in Sweden focused on the cryptocurrency market and blockchain industry. With years of experience, she contributes to some of the most renowned crypto publications such as Cointelegraph, Invezz and others. She also has experience writing about the iGaming industry.

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