Best For

      Retail Lenders
      Stablecoin Holders
      USD, EUR, & GBP Interest is a multipurpose, centralized crypto asset lending platform with a global customer base. Users can currently earn interest on 30+ crypto assets including stablecoins, Bitcoin (BTC), Ethereum (ETH), Binance Coin (BNB), and more. Interest Account - 2020 Comprehensive Review

Overall Score:

Global Access:
6.5 of 10
Interest Accounts:
8.5 of 10
Ease of use:
8 of 10
7.5 of 10
Fees & Rates:
8 of 10
9 of 10 Interest Account Overview

APY Rates1% - 16%
Rate VariabilityLow Variable, Fixed
Earn Interest onStablecoin, Crypto
Deposit Amounts$20 - $1,000,000
Payout FrequencyWeekly
Lockup TermsFlexible, 1 Month, 3 Months
Compound InterestYes
Network TokenCRO
Token BenefitUsers that stake CRO token earn additional APY and have higher deposit limits
Platform TypeCentralized Lender
Deposit InsuranceNo
Credit checkNo
KYC CheckYes
Platform FeesNo Fees
Supported RegionsAll Countries
Excluded RegionsStablecoins restricted in Singapore, Some assets restricted in U.S Interest Rates (APY)

Earn OnAPY Rate
DAIDAI6% - 10%
Paxos StandardPAX6% - 10%
TrueUSDTUSD6% - 10%
USD CoinUSDC6% - 10%
TetherUSDT6% - 10%
BitcoinBTC1% - 4%
EthereumETH1% - 3%
LitecoinLTC1% - 3%
XRPXRP1% - 3%
Binance CoinBNB2% - 6%
MakerMKR2% - 6%
ChainlinkLINK2% - 6%
Basic AttentionBAT2% - 6%
MCOMCO1% - 4% CoinCRO12% - 16%
PAX GoldPAXG1% - 4%
EOSEOS2% - 6%

MCO (MCO) Token







Market Cap


Circulating Supply


Total Supply






Trusted Exchanges

Binance, OKEx, Bittrex Global, Huobi Global,

Hardware Wallets

Ledger, Trezor

MCO (MCO) Token Exchanges

ExchangeRatingPricePairs24hr Volume
Bittrex Global6.5/10$0.000$0.00
Huobi Global8/10$0.000$0.00

Recommended MCO (MCO) Wallets

MetaMask8/10Browser Extension$0.00
Ledger Nano M7/10Mobile Application$96.00
TrustWallet9/10Mobile Application$0.00 Interest Account Alternatives

Best Stablecoin APY RateDAI 6%GUSD 8.6%USDT 10%
Locked TermsFlexibleFlexibleFlexible
Payout FrequencyWeeklyMonthlyDaily
Compound InterestYesYesYes
Deposit InsuranceNoNoNo
KYC CheckYesYesYes
Credit CheckNoNoNo
Learn MoreReviewReviewReview

Pros and Cons


  • Asset Options - offers competitive interest rates on 8 major stablecoins and 20+ crypto assets.
  • Lock Up Options - Users can select daily, monthly, or 90-day interest agreements. The longer the duration of the agreement, the higher the interest APR on the deposited asset.
  • Ledger Vault - Aggregate user funds are 100% held in cold storage wallets secured by Ledger Vault.
  • Customer Support - 24/7 live chat is available on both the website and mobile applications.


  • Native Platform Token - ran an ICO in 2017 and issued a native utility token called MCO to investors. While purchasing and using the MCO token does have certain benefits, several other successful crypto lending platforms have proven that native utility tokens are not necessary and in most cases, overcomplicate the user experience. later switched from MCO to CRO as the native platform token for Crypto Earn complicating the platform further.
  • Interest Rates - For users who don’t hold CRO, APR is significantly lower than the industry average for flexible-term savings.
  • No Compound Interest - Interest is only paid daily on crypto asset balances and does not compound. Users looking to earn compound interest on their crypto assets can see our BlockFi and Nexo interest account reviews.
  • Balances Not Insured - User account balances are not insured on the interest platform.
  • Privacy - is a centralized lending platform and therefore is required to operate under traditional finance regulatory frameworks. As a result, users must KYC and verify their identities prior to using
  • Deposit Minimums - has higher deposit minimums than other crypto interest account platforms. For fixed lockups, stablecoins require a minimum deposit of $250.
  • Regional Restrictions - Certain supported assets don’t allow interest earning for users based in the US and Singapore.

Frequently Asked Questions

Does have a mobile app?

Is the wallet safe?

Can I earn interest on my stablecoins with

Does require users to KYC?

Are crypto asset account balances insured?

Summary is a multifunctional, centralized crypto asset lending platform where users can earn interest on a variety of stablecoins and crypto assets. The platform excels in user experience with competitive interest rates, a user-friendly mobile app, and 24/7 live chat support.

Formerly known as Monaco, conducted an ICO in 2017 raising $26.7M USD and issued a debatably necessary native platform token to investors. Users can ‘stake’ the MCO token and earn higher interest rates on their crypto asset balances.

Overall, is an easy to use platform with several useful features. While there is no compound interest offered on crypto asset balances, their overall interest rates are higher than the industry standard. user account balances are not insured and Blockfer recommends that this risk be taken into consideration.

Learn More Best Features Official Website

  • Earn 6%-12% Interest on stablecoins like USDC, DAI, PAX, TUSD, and USDT.
  • Earn 1%-4% Interest on a trusted gold stablecoin; Paxos Gold (PAXG)
  • Supports a wide range of Crypto tokens to earn interest on.

Legal & Regulation - Facts & Figures

Legal Name MCO Malta Dax Limited
Incorporated Country Malta
Headquarters Hong Kong
Year Founded 2016
CEO Kris Marszalek
Total Employees 500+
Regulators Unclear Regulation
Links Website, Crunchbase, Whitepaper, Source code, Twitter, Blog, LinkedIn

Methodology: How We Review And Compare

Our mission is to provide the most informative, unbiased, and useful reviews and comparisons possible for products and services in the blockchain finance industry. Assessments are powered by experts with years of relevant experience.

The interest product providers found in this category have been tested extensively by our team as part of the review process. Factors we analyze in our interest product reviews and comparisons include: APR rates, compound interest, available assets, terms and fees, and deposit amounts.

The Blockfer Promise: We do everything in our power to keep content up to date and in the best interests of our audience. Blockfer does not shy away from poor ratings. Products or services that do not meet our reputability standards will be rated as 'Not Trusted'. Compensation from partners does not, and will never, effect our review process.

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