For many, the idea of earning interest on their crypto holdings seems like the holy grail. But what does this mean exactly, and how do you get there? This article will explain the difference between earning interest on a crypto account and earning interest on a high-yield USD account, and why one is more valuable to you than the other.

Before you can try earning interest on cryptocurrencies, you must have both a wallet and a cryptocurrency to use as a store of value. You can buy Bitcoin and other cryptocurrencies with cash or use a credit card which requires the wallet and cryptocurrency to be linked. If you want a free bitcoin wallet and earn interest on your cryptocurrency, you can do so with Celsius.

The cryptocurrency market is in a delicate state. With bitcoin prices falling steeply, many investors are turning their attention to altcoins. But if you’re a high-risk trader, you may not want to get involved in speculative markets right now. In this post, we’ll compare earning interest on a crypto-currency account with a high-yield USD account.

Celsius vs Linus presents an interesting comparison of two unique crypto-currency interest rate accounts. Both platforms allow you to earn passive income, but not without risk, but through different approaches.

Celsius accepts deposits in cryptocurrencies and allows you to earn interest in kind, and also acts as a lending platform. On the other hand, Linus only accepts and pays funds in US dollars, freeing the end user from all the complexities of storing and moving cryptocurrencies.

Celsius is an established cryptocurrency lending platform that offers interest on popular cryptocurrencies like bitcoin and Ether. It has built a reputation for robust conservation and community involvement.

Linus is new to the field of crypto-intelligence. It allows users to deposit their US dollars to earn interest in cryptocurrencies without having to hold cryptocurrencies. It is ideal for users who want a high-yield account without having to deal with the volatility of the cryptocurrency market.

In the following review, we look at some key differences between two of the best crypto currency interest accounts in the industry, Celsius and Linus, to help you decide which one is best for you.

Celsius vs. Linus: Important information

  Celsius   Linus
  Reviews   Our magazine   Linus-Review (to be added soon!)
  Type of place   Cryptocurrency lending app with lending and borrowing features.   Blockchain-based high interest account
  Friendly to newcomers   Yes   Yes
  Mobile application   Yes   In development.
  Mode of purchase/deposit   Crypto currency deposits, debit card, bank transfer   Transfer to a bank account or debit card
  Methods of selling/borrowing funds   Transfer of an external cryptocurrency portfolio   Transfer to a bank account
  Available cryptocurrencies   Bitcoin, Ethereum, Link and a few others.   No
  Establishment of the company   2017   2019
  Location   London, England   Brooklyn, New York, USA
  Public trust   Superb   In evolution.
  Security   I agree.   I agree.
  Customer service   Superb   I agree.
  Verification required   Yes   Yes
  Registration fee   Excellent (none)   Superb
  Website   Visit the page   Visit the page

Linus was founded in 2019 by Matt Nemer and Matt Hamilton. Both founders previously worked at companies such as IBM and BTC, Inc. At the time of writing, Linus has no investors as the company is still in the early stages of growth.

Celsius, meanwhile, has only been around since 2017. Founded by Alex Mashinski and Daniel Leon, it has raised nearly $100 million in private funding rounds.

In addition, Celsius has more than $16 billion in community-managed assets and has distributed more than $300 million in returns to its users in the past 12 months.

Feature #1: Interest rates – who has a better APY, Celsius or Linus?

Linus pays users in US dollars and only accepts US dollars. The target market is people who don’t want to own cryptocurrencies, but still want to take advantage of the higher interest rates available to blockchain users.

With those words, here’s the APY Linus can give you for your money:

  • 4.0% annual return from $1.00 to $2,499.99.
  • Annual interest rate of 4.25% for $2,500 to $9,999.99.
  • 4.50% annual interest for $10,000 or more

Celsius, on the other hand, offers a fixed annual rate based on a specific digital asset.  These rates can fluctuate, say once a week, which means the amount you can earn on Celsius can vary.

For comparison, here are the values in degrees Celsius at the time of writing:

Celsius vs. Linus: Earn Interest on Crypto or High-Yield USD Account? Celsius vs. Linus: Earn Interest on Crypto or High-Yield USD Account? Celsius vs. Linus: Earn Interest on Crypto or High-Yield USD Account?

*BTC – 6.2% for the first two BTC, then 3.51%

Here you will find a complete overview of Celsius prices, including stable parts, offers for international users, and more.

How do Celsius and Linus make money?

Most cryptocurrency interest accounts earn by offering lower APYs than they can get by providing their users with money in the open market. Both Celsius and Linus follow this pattern, though in slightly different ways.

Celsius makes money by lending the funds deposited by its users to institutional and private borrowers. The company has set a goal of returning 80% of the revenue generated to its users. The loans granted by Celsius are over-guaranteed, which means that the risk of default is relatively low.

Linus does things a little differently. The company only accepts deposits in US dollars. It then converts these funds into stablecoins, which it uses to provide liquidity in Ethereum smart contracts.

However, Linus does not disclose what percentage of its revenue it passes on to users. The company’s average annual return is currently 4.5%. This is significantly lower than many cryptocurrencies where Celsius offers interest.

Celsius and Linus make their money the same way. However,Celsius gives a large percentage of its revenue back to its users, and thus wins this category.

feature #2: Deposits and withdrawals

Recordings and payments are very important to Linus. The money you deposit in your Linus account earns interest daily and you can withdraw it whenever you want, as often as you want, without any fees.

Celsius is very similar in this regard and allows its users to withdraw money at any time without any cost. However, there is a soft limit for withdrawals over $50,000 in a 24-hour period, and these large withdrawals can take up to 48 hours to process. Celsius offers interest to its users every Monday.

Both Celsius and Linus offer robust payment and withdrawal options. However, the interest rate rises faster at Linus and there are no restrictions on withdrawals, making it a winner in this category.

feature #3: Celsius v. Safety of Linus

The security features of Celsius are similar to those of its competitors. The company uses so-called multilateral computing (MPC) to protect its users’ funds.

In addition, the Celsius application has many user-oriented security features, such as. B. :

  • Two-factor authentication
  • PIN
  • A confirmation email is required to change the portfolio address.
  • Withdrawals over $150,000 require manual verification.
  • Certification of photos and videos
  • Biometric security

The HODL mode is another interesting security feature of Celsius. It is therefore impossible for users to take off without a 24-hour waiting period. This gives you enough time to react in case of a break-in.

Celsius vs. Linus: Earn Interest on Crypto or High-Yield USD Account?

Linus’s security features are still under development. The company claims to protect its users’ funds with a lien on digital assets and third-party insurance coverage. Linus hasn’t released any details about these features yet, so it’s not easy to judge how good the security is.

Celsius wins this round. Its main security features seem to be even better than Linus, which is still under development.

Characteristic #4: Conviviality Celsius vs. Linus

Both Linus and Celsius are designed to make it easier for users to make money, but Linus’ cryptovaluta-free approach means that users only need to make a transfer or deposit to start making money. Linus is ideal for people who are not very familiar with cryptocurrencies or are not interested in buying or storing them long-term. The main advantage is that these people can access high-interest blockchain-based accounts by simply depositing money.

Celsius’ mobile app is ideal for those who want to manage their accounts on the go. For those who prefer to manage their money on a desktop or laptop computer, there is a web application. Both platforms allow users to make deposits from bank accounts, debit cards and external cryptocurrencies.

Distinguishing characteristics

The most impressive feature of Linus is the service it offers to the market. It gives users access to high-value features on the Ethereum blockchain without having to own a cryptocurrency. There are currently very few, if any, companies operating in this field.

Celsius’ main differentiator is its own cryptocurrency CEL. Users who choose to earn interest with a TFSA can receive discounts of up to 25% on their loan interest payments. This is a huge savings opportunity that could make Celsius one of the cheapest ways to borrow money with cryptocurrencies.

Actions and incentives

Celsius and Linus often offer special bonuses and promotions. For example, Celsius offers a $40 sign-up bonus and a $40 reward for each referral. Celsius’ loyalty program also offers users rewards for owning assets in CEL.

Linus offers a $20 sign-up bonus and regularly offers new promotions, including a referral program and transactional bonuses.

Court of public opinion: Celsius vs Linus Reddit

On Reddit, reviews of Celsius are full of temperature jokes.

However, some Redditors have left serious comments on the platform. Most consider Celsius to be a solid cryptocurrency interest account, particularly appreciating its return options and lack of fees.

Others point out that there are risks involved in using a cryptocurrency interest account. However, most Redditors note that Celsius is not inherently riskier than any of its competitors.

Linus doesn’t have many opinions on Reddit because it’s a relatively new company. Some Redditors are critical of APY’s low rates for US dollars. While it’s true that Linus’ annual returns are lower than what users can achieve on their own by turning to Ethereum smart contracts and DeFi platforms, Linus is for those who don’t want to keep looking for return opportunities on their own. Linus makes much more sense in this context.

Customer service

Linus has an online FAQ page where you can get answers to frequently asked questions. You can also send an email directly to a support representative at [email protected].

You can contact Celsius by filling out the contact form on their website. You can also call their phone number in the US at 201-824-2888.

Can we trust Celsius and Linus?

As one of the largest providers of cryptocurrency interest accounts, Celsius is trusted by over 800,000 users. It strives to protect your belongings and offers many security features to keep your rooms safe.

However, in 2023, Celsius’ marketing server was hacked. The hackers gained access to a partial list of Celsius customers and attempted to send phishing emails. It should be noted that users who followed good security practices were never at risk of losing their funds, even if they did.

Linus is relatively new to the crypto-currency market. So he hasn’t had a chance to make a name for himself yet.

Nevertheless, it ended its public beta without falling into the category of fraud or loss of user funds.

Celsius vs. Linus: What is the best interest rate account for cryptocurrencies?

Celsius and Linus are designed for two different markets.

Celsius is one of the best platforms for crypto currency interest accounts for users who want to hold crypto currency assets and earn interest on them. If that’s your style, Celsius will suit you better than Linus.

Linus doesn’t even offer interest on crypto assets. Instead, the main goal is to give users who do not wish to hold cryptocurrencies access to high-yield savings via Ethereum smart contracts.


  • Use Celsius if you want to earn interest on your crypto-currencies. The average annual prices are among the highest of all cryptocurrencies.
  • Use Linus if you want to earn crypto-currency interest on your US dollars without having to carry or store crypto-currencies.

Celsius vs. Linus: Earn Interest on Crypto or High-Yield USD Account? Celsius vs. Linus: Earn Interest on Crypto or High-Yield USD Account?What goes better with crypto or high-yield USD account? You cannot pick only one of these two topics right? If you are one of the crypto enthusiasts who always wanted to know how to earn interest on your crypto currency, then you have to read this article. If you are an investor who always wanted to know how to keep your money safe with high yield USD account, then this article is for you.. Read more about celsius vs blockfi and let us know what you think.

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