Terra is a proof-of-stake(PoS) blockchain protocol that stands to be the crypto ecosystem for fast payments processing and other crypto projects through its stablecoin, Terra USD (UST). LUNA is the native coin of the Terra network and is used to balance the value of its stablecoin

In the Terra ecosystem, LUNA was built to be held as not only can coin holders earn interest on LUNA, but also vote and submit Terra network proposals. In this article, we’ll go through how you can earn interest on Terra along with the best platforms for earning through your LUNA coins.

Where to Earn Interest on LUNA Top Platforms

Before we get into detail with Terra interest rates and specifics, check out this short list of the best platforms to earn interest on LUNA.

  • Binance – earn the most interest on LUNA with lockup term
  • Nexo – earn interest on LUNA paid out daily
  • Crypto.com – LUNA interest account available in the US

Best LUNA Interest Rates Compared

Each crypto lending platform we’ve reviewed offers different LUNA interest rates that have varying requirements and terms. In the table below, we compare these interest rates among different crypto interest accounts in annual percentage yield (APY), the per-annum earnings from daily compounded rewards.

LUNA Interest Account LUNA Interest Rate Terms & Conditions for Best Interest Rates
Binance 18.79% 90 day lockup period, max 5 LUNA for lending
Nexo 8%  Platinum membership, 1 month fixed term, and interest paid in NEXO tokens
Crypto.com 7%  3 month lockup term and $40k or more worth of CRO staked for at least 6 months

Cryptoassets are a highly volatile unregulated investment product. No UK or EU investor protection.

Best LUNA Interest Accounts Reviewed

With a $33.5 billion market cap as of writing, the LUNA coin is one of the best staking coins and currently sits as the seventh largest cryptocurrency sitting just below Solana coin. Having this large number of LUNA crypto holders and coins in circulation, the next thing these investors want to know is how to earn interest on Terra.

Before anything, you’ll need to choose the right crypto interest account. Consider how long, how much you want to invest, and how much LUNA you can risk. Now, let’s take a look at where to earn interest on LUNA with the platforms we reviewed.

1. Binance – Earn The Most Interest On LUNA With Lockup Term

Binance Logo

Binance offers up to 18.79% APY on LUNA crypto, the highest Terra interest rate among the platforms we reviewed. However, this rate requires users to lock their LUNA for 90 days and releasing locked funds early dissolves all interest earnings from the earnings plan.

Small-time investors will benefit the most with Binance’s Terra interest account terms as a maximum of just 5 LUNA coins can be used to earn interest on Binance.

earn luna on binance

If locking up your funds for three whole months goes against your investing strategy, you can avail of the other LUNA earning terms that Binance provides. These Terra interest rates will be lower, but you won’t have to hold them as long and can even try for flexible savings at 5% APY.

Regulatory Affairs

Regulatory crackdowns have become quite common for many crypto platforms due to the novelty of digital assets and the high demand. In 2019, Binance was banned in the U.S. due to regulatory concerns. Today, the alternate exchange Binance.US is available for most U.S. states and the company as a whole remains to be the most popular crypto exchange globally.

Multiple Funding Methods

One of the best ways to improve the user experience of crypto and Terra interest accounts is by giving users many different options for funding. Binance makes it easy for its clients to add cryptocurrencies and use their products with deposit options like bank transfers, wire transfers, and credit cards.

There’s also a peer-to-peer market that lets users buy and sell their cryptocurrencies using local payment methods. Your Binance account even has a hot crypto wallet that can be used to receive cryptocurrencies from other wallets. With all these funding methods on Binance, many find themselves holding and earning interest on different cryptocurrencies on the platform.


  • Highest 18.79% APY for a 90-day lockup period
  • 90-day, 60-day, and 30-day locked periods available
  • 5% APY for LUNA Flexible Savings product
  • Multiple deposit methods available
  • Built-in crypto wallet


  • Not very beginner-friendly with cluttered features
  • Binance Earn unavailable in the US

Cryptoassets are a highly volatile unregulated investment product. No UK or EU investor protection.

2. Nexo – Earn Interest on LUNA Paid Out Daily

nexo logo

At a respectable 8% maximum APY for LUNA coins at just a one month lockup period, Nexo’s Terra interest rate is the next highest on our list. Launched in 2018, Nexo is a crypto lending and digital finance leader with a growing selection of 34 cryptocurrencies.

The leading crypto platform rewards its users by giving benefits to those who support their ecosystem. Through their native token, NEXO, they get to incentivize holders with more rewards across their different crypto products.

earn luna on nexo

To earn the most LUNA interest on the platform, 10 percent of your account portfolio should be in NEXO tokens (minimum of $1,000 worth), LUNA earnings should be paid in NEXO, and a one month lockup term is required.

Token Benefits

Aside from higher yields on crypto interest accounts, holding NEXO tokens on the platform gives you access to different tiers of rewards. Here’s a list of the tiers and their corresponding benefits:

  • Silver Tier (1-5% NEXO in portfolio) – 12.9% crypto borrowing rate, 2 free crypto withdrawals per month
  • Gold Tier (5-10% NEXO in portfolio) – 1.9% crypto borrowing rate, 3 free crypto withdrawals per month
  • Platinum Tier (10% or more NEXO in portfolio) -0% crypto borrowing rate, 5 free crypto withdrawals

Security and Regulations

Nexo has partnered with some of the frontrunners in the crypto security solutions industry to make sure that its users’ funds are well protected. All in all, $375 million worth of crypto assets stored with Nexo are insured. They follow strict global anti-money laundering standards and have two-factor authentication for account logins.

Currently, Nexo does not offer its earning products in the USA, Bulgaria, and Estonia. Fortunately, Nexo customer support has mentioned reinstating the interest accounts and services in some of these regions. Many crypto platforms have bounced back from regulatory concerns, so this is a good sign that Nexo will bounce back in restricted countries.


  • Max 8% APY at a one month fixed period
  • Many benefits in store for holding more and more NEXO tokens
  • Crypto borrowing services at low APR
  • Integrated crypto wallet and crypto exchange on the site


  • Not available in the US, Bulgaria, and Estonia
  • Requires higher tiered membership for full earning rewards

Cryptoassets are a highly volatile unregulated investment product. No UK or EU investor protection.

3. Crypto.com – LUNA Interest Account Available In The US

crypto.com logo

If you want to know where to earn interest on Terra in the US, Crypto.com is fully regulated in the United States and gives up to 7% APY on their Terra interest account. Similar to Nexo, you’ll need to utilize Crypto.com’s native token, Cronos (CRO), for the full LUNA interest earnings.

To get the highest rate that Crypto.com can offer, you’ll need to have staked $40,000 or more worth of CRO for at least six months and have your LUNA coins locked for a three month period.

crypto.com luna earn

Note that there are two earnings tiers when distributing your LUNA coins on Crypto.com to earn interest. The first $30,000 in LUNA benefits from the full earnings scheme of 8% APY but all succeeding LUNA coins above that threshold will earn 4%APY.

Wallet & Security Protocols

Crypto.com’s security is a cut above the rest with ISO certifications, global compliances, and key partnerships to show for it. Not only are user accounts and funds protected by their secure data infrastructure, but Crypto.com’s app has great safety features as well.

A multi-factor authentication consisting of biometric identification, authentication apps, and a password is integrated for both Android and iOS versions of the app. With these measures in place, you’ll have all the peace of mind when storing and earning from your crypto interest account.

Cronos Staking Rewards

Holding and staking that much CRO for the maximum LUNA interest rate may seem daunting, but Crypto.com has made it rewarding to support the platform with their native token. Some of their rewards include using the Crypto.com Visa card with cashbacks on certain products as well as better crypto lending rates.


  • Up to 7% APY when earning LUNA interest
  • Available in the US
  • Highly secure infrastructure and applications
  • High-rated mobile app
  • Exclusive rewards when staking CRO


  • Max earnings requires staking $40,000 in CRO which is a lot for most users
  • Long three month lock up period

Cryptoassets are a highly volatile unregulated investment product. No UK or EU investor protection.

How to Earn Interest on LUNA

Are you ready to learn how to earn interest on Terra? Let’s go through this step-by-step guide for the Binance crypto platform.

Step 1: Register On Binance

First, you’ll need to go to the Binance website and click on ‘Register’ at the top right of the navbar. Sign up with a phone number, email, or connect to Apple ID. After this, you’ll need to use the codes from the verification email and SMS to complete the registration.

Binance Sign Up

Step 2: Verify Your Identity

The next step is to verify your Binance account which will require you to upload a valid ID like a driver’s license or passport. Follow the instructions given when uploading and filling in the necessary verification details. 

Binance ID verification

Step 3: Deposit LUNA To Your Account

As we mentioned earlier, there are many ways to add LUNA to your Binance account. On the dashboard, hover over the ‘Buy Crypto’ button on the upper left and choose how you want to deposit the cryptocurrency. With a bank card, you can buy a stablecoin like USDT and convert it to LUNA.

binance usdt luna swap

Step 4: Earn Interest On LUNA With Binance Earn

With LUNA in your Binance account, go back to the dashboard and hover over the ‘Earn’ button on the navbar. Click on ‘Binance Earn’ and search ‘LUNA’ to view all the earning products for Terra. Select the 90 day Locked Staking plan, enter up to 5 LUNA coins, and confirm the order to start accruing interest.

luna staking on binance

Is Earning Interest on LUNA a Good Investment?

If you invested $500 on LUNA exactly a year ago, your coins would now be worth over $3,000 already. As an already widely accepted blockchain and crypto ecosystem, the Terra network has set itself up with various decentralized finance (DeFi) projects and global payments schemes.

luna price chart

LUNA is one of the best DeFi coins to buy in 2022 thanks to widespread adoption, a strong stablecoin, and a focus on global payment processing.

Terra also changed the game for stablecoins and chain interoperability as the blockchain’s main tokens can be bridged to other networks. You’ll need to be bullish on Terra if earning interest on LUNA is a good investment and with the latest consensus in the community, it’s difficult not to be.

LUNA Interest vs Staking 

LUNA was built for crypto staking as this lets it balance the stablecoin it supports, UST. If you want to stake LUNA yourself, however, you’ll need the right equipment and software to compete with other validators. On a practical level, it’s often best to keep your LUNA coins with crypto lending platforms that get to earn these rewards for you.

Aqru – Overall Best Crypto Interest Platform

Although lacking support for LUNA coins,  AQRU is still our pick for the best platform for earning interest on cryptocurrencies. What AQRU has to offer in their well regulated platform and high APYs make it a digital assets platform that’s worth your consideration.

In the AQRU platform, you can earn interest on Ethereum and Bitcoin at a very high 7% APY. No need to worry about lockup terms or holding other tokens for the maximum rewards. At AQRU, the interest earning account is flexible, so you can claim your earnings any time.

aqru home

If you want to earn interest on stablecoins, AQRU gives 12% APY for Tether, USD Coin, and Dai. There are no fees for crypto and bank transfers, no fees for buying crypto, and no fees for withdrawing fiat currency from your AQRU account.

Despite not having one of the most popular cryptocurrencies this year in Terra, AQRU still has plenty to bring on the table. If you’ve dabbled in crypto investing before, you may even have some coins that AQRU uses to earn. With $30 million worth of crypto stored in AQRU insured and the platform fully regulated, we believe that the platform stands to benefit most, if not, all investors.

Cryptoassets are a highly volatile unregulated investment product. No UK or EU investor protection.


All crypto interest accounts have their caveats, so finding the best Terra interest account for you will require weighing your options. You could try Binance if you’re looking to get the highest returns at 18.79% from your LUNA coins but restricted to a three month period and a cap at 5 LUNA coins.

Nexo gives you up to 8% APY with enough NEXO tokens on your account. Supporting the platform with NEXO tokens does have its benefits with their crypto lending rates and the Nexo rewards card.

Crypto.com is an attractive option for those based in the US and lets you earn up to 7% APY on LUNA. However, you will have to stake $40,000 in CRO for at least six months, but if you like the cashback rewards and exclusive Crpto.com Card benefits, you can start with them.

In the end, one of the biggest risks when earning from non-stablecoin cryptocurrencies is a drastic decrease in the price of the coin. Terra is still a relatively new ecosystem, even as one of the top 10 cryptocurrencies in terms of market cap. This is why there’s a high demand for earning through stablecoins and it’s best that all investors follow suit.

If you want to add stablecoin earnings to your portfolio, the best overall platform for this is AQRU. Enjoy 12% APY on stablecoins USDT, USDC, and DAI and 7% APY for Bitcoin and Ethereum, all with flexible terms and no confusing tier brackets. 

Together with some earnings in LUNA from other accounts, you can complete a diverse crypto portfolio that can withstand different market conditions by earning through stablecoins with AQRU. 

aqru logo

Cryptoassets are a highly volatile unregulated investment product. No UK or EU investor protection.


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