Ready vs Centralised Exchanges: Bitcoin yield

Discover who offer the best BTC rewards

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Zasha Coté

Feb 14, 2025

Quick summary

Most platforms offer almost no yield on Bitcoin.

Ready is different. We’ve got the strongest offering for Bitcoin holders who want to earn yield and rewards. 

With Ready, you can:

Earn ~3% APY by staking BTC
Earn ~2% APY by lending BTC with auto-compounding
Borrow USDC against your BTC without selling it
Spend globally with the Ready Card and earn 3% cashback

Compared to major exchanges offering <0.5% BTC yield, Ready gives you up to 6× more yield while keeping your Bitcoin working. And, Ready is self-custodial. Your keys, you coins.

Bitcoin is valuable, but most people aren’t making the most of it.

BTC is the largest asset in crypto, yet 98% just sits there, earning nothing.

Across major exchanges and lending platforms, Bitcoin yields typically range between 0% and 0.5% APY.

Here’s how BTC yield compares across platforms vs Ready:

Source Defillama

In most cases, BTC is treated as collateral, not a productive asset. Ready changes that.

Earn up to 3.1% staking Bitcoin

Ready lets you stake Bitcoin on Starknet and earn ~3% APY.

Instead of leaving BTC idle, staking allows your Bitcoin to generate yield while maintaining exposure to its price. Plus, you’re contributing to the security of Starknet.

The entire process happens directly inside Ready.

Deposit BTC → Stake your Bitcoin → start earning.

Staking rewards are paid in STRK at the end of each block. You can swap STRK to Bitcoin in the Ready app.

Learn how BTC staking works

Earn ~2.2% lending Bitcoin with auto-compounding

Ready also enables BTC lending, currently earning ~2% APY.

With the launch of auto-compounding, rewards are automatically reinvested, increasing capital efficiency without manual claiming.

This means:

Your Bitcoin earns → rewards compound → yield grows automatically.

Compared to typical BTC yields across centralized exchanges, this represents up to 6× higher returns.

Unlock liquidity without selling your Bitcoin

Instead of selling your Bitcoin, you can deposit it as collateral and borrow USDC.

This allows you to:

  • Access liquidity
  • Keep your BTC exposure
  • Deploy capital elsewhere

Many users take this a step further.

For example:

  1. Deposit BTC
  2. Borrow USDC against it
  3. Swap USDC back into BTC

For Bitcoin buyers, this can be a capital-efficient way to accumulate more BTC.

Learn more about borrowing against Bitcoin

Spend your crypto with the Ready Card

Borrowed USDC can also be used in the real world. With the Ready Card, you can spend your crypto globally anywhere Mastercard is accepted. Online, or in store.

That means you can:

  • Borrow against BTC
  • Pay for everyday purchases
  • Earn up to 3% cashback on spending

Instead of selling Bitcoin to access cash, you can keep your BTC position while still using your capital.

Learn more about the Ready Card

One platform. Multiple ways to earn from Bitcoin.

Your Bitcoin can do more.

Ready turns it into a productive asset: earn yield, unlock liquidity, and spend globally, without selling it.