Earn interest and grow your savings every day.

After you create your account, you need to buy or transfer crypto, opt in for interest earning via the UCard app, and maintain an account balance above $5,000 worth of digital assets.

You’ll begin earning daily interest on your digital assets a minimum of 24 hours from your top-up. Learn more here.

To start earning interest, clients in certain jurisdictions must proactively opt-in for the service in their UCard account.

Passive income from crypto means earning automatically — without active trading or constant management. The most common ways to do this are through staking, lending, or interest-earning accounts. With UCard, you can earn passive income by adding assets to Flexible or Fixed-Term Savings. That way, your balance grows over time thanks to daily payouts, compounding interest, and loyalty-based rewards.

Crypto earning refers to a service that lets you earn interest on your crypto holdings — similar to earning yield in traditional finance, but in digital assets. For example, UCard enables you to receive daily interest on over 40 supported cryptocurrencies and stablecoins. You can maintain full flexibility with Flexible Savings or opt for Fixed-Term options for higher rates.

Both options let you earn interest on your digital assets, but they suit different strategies. Flexible Savings gives you full access to your funds at any time. You’ll earn daily compounded interest that’s credited automatically to your Savings Wallet. Fixed-term Savings lets you earn higher rates by committing assets for a set period, from one to twelve months. It’s designed for users focused on long-term growth and predictable returns. Many clients combine both — keeping some assets liquid in Flexible Savings while using Fixed-term Savings to boost their overall yield.

Compound interest means your earnings generate additional earnings — one of the most effective ways to grow long-term wealth. In crypto, this happens when each interest payout is added to your balance and begins earning more. On UCard, interest is paid daily, so your balance compounds automatically when you earn in kind. For example, if you earn 3.5% annually on $10,000 worth of Bitcoin in Flexible Savings, your first day’s in-kind payout (about $0.94) is added to your balance. The next day, you’ll earn interest on $10,000.94, not just your original amount, and this cycle continues daily.

A crypto savings account functions similarly to a traditional savings account, but for digital assets. You add crypto and earn interest on it over time, often with flexible access to your funds. Through UCard, you can earn daily interest on popular cryptocurrencies, such as BTC, ETH, XRP, and SOL, as well as stablecoins like USDC. It’s an easy entry point for anyone new to earning passive income in crypto.

Interest with UCard’s Flexible Savings is credited to your account every day. Each payout is added to your Savings Wallet, where it immediately begins earning interest, creating a compounding effect that grows your portfolio faster.

To get the most out of your crypto savings, look for platforms that reward loyalty, diversification, and long-term holding. On UCard, you can unlock higher interest rates by:

1. Maintaining a portfolio balance above $5,000.
2. Holding at least 10% of your portfolio in UCard Tokens to reach the Platinum Tier.
3. Choosing to earn interest in UCard Tokens for up to 2% extra.
4. Locking funds in Fixed-Term Savings for better yields.

Many crypto platforms use balance limits to determine interest tiers — meaning you might earn a higher rate up to a certain amount and a lower one beyond it. UCard follows this approach too. For certain digital assets, your rate is determined by both your Loyalty Tier and the USD value of your holdings. A daily snapshot ensures your rewards reflect your current balance and Loyalty Tier. Example for holding Bitcoin on UCard: If your Loyalty Tier is Platinum and you have $5M USD worth of BTC in Flexible Savings, you earn 3.5% per year on the first $4M and 2.5% per year on the remaining $1M.