en

Compare a High-Interest in Australia
Savings Account with Coinhold
up to 14% APY

A crypto savings wallet* for those who recognize the benefits of storing their savings in cryptocurrency.

Term Deposit Rates Compare
Сompanies
Description
3 mnt. APY %
Deposit & Earn
6 mnt. APY %
Deposit & Earn
12 mnt. APY %
Deposit & Earn
Is a savings wallet that enables you to earn additional income of up to 14% annually through cryptocurrency storage
8% APY
up to
11% APY
up to
14% APY
up to
Money Market, CDs and Custodial Accounts designed to help you maximize your personal finances
3.5% APY
up to
4% APY
up to
4.5% APY
up to
Sofi checking and savings
3.5% APY
up to
4% APY
up to
4.5% APY
up to
American financial company. The company's well-known products are credit cards, charge cards and traveler's checks.
3.5% APY
up to
4% APY
up to
4.5% APY
up to
one of the largest financial conglomerates in the UK and the world with a wide presence in Europe, the USA and Asia.
3.5% APY
up to
4% APY
up to
4.5% APY
up to
American bank holding company specializing in credit cards and auto loans
3.5% APY
up to
4% APY
up to
4.5% APY
up to
Calculate Your Future Profit
Calculate your Coinhold income
Select coin
BTC
Bitcoin
BCH
Bitcoin Cash
LTC
Litecoin
ETH
Ethereum
USDT
Tether
USDC
USD Coin
Enter amount
Select term

No early withdrawals or closures

Interest is higher, but you can only close the wallet and withdraw funds at the end of the term

🔥 Boost to 14%
Created with Fabric.js 3.6.6
10.0%
Today
May 4, 2026
Term
360 days
Rate
10.0%
Active until
5/4/2026
Total amount
0.00 USDT
How to Get a High Interest Rate in Coinhold?
1 / 4
Sign Up on EMCD Coinhold
2 / 4
Top up your wallet on-chain or via P2P
3 / 4
Open Coinhold and deposit your assets
4 / 4
Complete! Your assets are working for you.
Earning more with Coinhold
Unlock the potential of your digital assets with Coinhold! Securely grow your wealth through high-yield investments in crypto.
6+ Years
on Crypto Market
With over six years of proven success in the dynamic world of cryptocurrency
Live Support 24/7
Solves any questions within 15 minutes
Hello, Mike!
How can I help you?
Anna К.
You Own Your Asset
At Coinhold, your assets are always in your control. Unlike traditional finance, we ensure full ownership of your investments.
Understanding EMCD
Coinhold and Its Advantages
Over Traditional Banks
What is EMCD Coinhold?

EMCD Coinhold is a savings wallet that enables you to earn additional income of up to 12% annually through cryptocurrency storage. You can store one of 6 coins such as USDT and BTC.

The funds that users deposit into EMCD Coinhold serve as liquidity for internal exchanges within our application. It's essential to emphasize that we do not place these funds on external trading platforms or invest them in high-risk DeFi instruments, as we prioritize the security of our customers' funds.

This innovative approach can yield significantly higher returns than
traditional term deposits offered by banks.

What are USDT
and USDC?

USDT with up to 14% APY

A widely used stablecoin that maintains its value by being backed by reserves, ensuring it is always worth approximately one US dollar. This makes it a popular choice for trading and holding in the crypto market.

USDC with up to 14% APY

Another stablecoin pegged to the US dollar, known for its transparency and compliance with regulations. USDC is backed by fully reserved assets and is widely used for transactions and savings in the cryptocurrency ecosystem.

EMCD Coinhold Rates
vs. Australian Bank Rates

When comparing EMCD Coinhold rates with Australian bank term deposit rates, the difference is striking. While banks typically offer fixed interest rates that hover around 4% to 5% for term deposits, Coinhold can provide significantly higher APYs of up to 14%, depending on market conditions and assets. Here's how they stack up:

Bank Term Deposit Example:

If you deposit $40,000 in a bank for a 12-month term deposit at a fixed rate of 5%, you will earn $2,000 in interest by maturity, totaling $42,000.

EMCD Coinhold Example:

If you invest the same $40,000 in USDT or USDC with an APY of 12%, you could earn $4,800 in interest over the same 12 months, resulting in a total of $44,800.

EMCD Coinhold

Is EMCD Coinhold Right for Me?

Investing in EMCD Coinhold can be an excellent option for those seeking higher returns on their investments without the lengthy lock-in periods of traditional term deposits. However, it’s essential to consider your risk tolerance and investment goals, as cryptocurrencies can be volatile.

Pros & Cons of
EMCD Coinhold

Pros

- High APY: Typically offers much higher returns than traditional bank deposits.
- Flexibility: Users may have more options regarding access to their funds.
- Stablecoin Security: USDT and USDC provide a stable investment environment due to their dollar peg.

Cons

- Market Volatility: While stablecoins are less volatile than many cryptocurrencies, they still carry risk.
- Regulatory Changes: The crypto market is subject to regulations that could impact returns.

Coinhold by EMCD turned out to be a convenient platform with decent returns. The interface is intuitive, and I feel my investments are safe. Hope so :) LOL
Nicas Estoban
United States
I'm getting 12% annually on my crypto, which is very pleasant. But it's doubly nice that the risk of using Coinhold is much lower than with similar products, as emcd is a large project with a long history and excellent reputation. This allows me to calmly store my coins and receive a stable income. There's just one question: how can I get 14%, as mentioned on the website?
Petrek Braskis
Czechia
Coinhold from emcd allows me to apply the rule 'money should work' to cryptocurrencies as easily as to fiat savings. Perhaps even easier—the website has a super clear and easy interface. Everything is clear and transparent.
Nailis Markeros
United States
I opted for Coinhold from emcd because it doesn't require mandatory KYC, which is a big plus for me. The product itself is good; I like the rates and the fact that accruals happen every day. I've opened accounts in USDT, BTC, and ETH. Overall, it's a great option for lazy investors like me.
Michael Vitaly
Czechia
I tried Coinhold from EMCD on a recommendation - a couple of my friends had already tried this product, so I knew it would be trouble-free. That's why I immediately opened a 360-day deposit to get the most advantageous terms. Everything's been running smoothly, and I'm satisfied. I recommend it.
Baz Norbert
United States
Coinhold by EMCD turned out to be a convenient platform with decent returns. The interface is intuitive, and I feel my investments are safe. Hope so :) LOL
Nicas Estoban
United States
I'm getting 12% annually on my crypto, which is very pleasant. But it's doubly nice that the risk of using Coinhold is much lower than with similar products, as emcd is a large project with a long history and excellent reputation. This allows me to calmly store my coins and receive a stable income. There's just one question: how can I get 14%, as mentioned on the website?
Petrek Braskis
Czechia
Coinhold from emcd allows me to apply the rule 'money should work' to cryptocurrencies as easily as to fiat savings. Perhaps even easier—the website has a super clear and easy interface. Everything is clear and transparent.
Nailis Markeros
United States
I opted for Coinhold from emcd because it doesn't require mandatory KYC, which is a big plus for me. The product itself is good; I like the rates and the fact that accruals happen every day. I've opened accounts in USDT, BTC, and ETH. Overall, it's a great option for lazy investors like me.
Michael Vitaly
Czechia
I tried Coinhold from EMCD on a recommendation - a couple of my friends had already tried this product, so I knew it would be trouble-free. That's why I immediately opened a 360-day deposit to get the most advantageous terms. Everything's been running smoothly, and I'm satisfied. I recommend it.
Baz Norbert
United States
Miсhael Jerlis
EMCD Founder & CEO
Our best investment? People building real tools for the future of finance. We move fast, fix what’s broken, and power a global platform trusted by 400 000+ users.