Where you can actually use crypto earn products

Availability is the first filter on any earn product and the one most comparison tables skip. A rate you cannot access is not a rate. The purpose of this page is a single verified matrix ofcrypto earn availability — which providers exclude which regions, stated in their own documentation, in a regulator's register or in an enforcement order. Where we could not verify a position, the cell says so rather than guessing.

Two caveats belong at the top rather than the bottom. First, these restrictions change monthly. In the twelve months to 16 September 2026 at least six of the providers below changed a regional position. Second, absence from a supported-country list is weaker evidence than an explicit exclusion, and this page distinguishes between the two throughout. The statutory reasons behind the changes are set out separately onthe regulation of crypto yield; this page deals only with who is served where.

The availability matrix

The table lists only positions we could trace to a provider statement, a regulator's register or a published enforcement action. The final column is deliberate: knowing that a provider does not publish its state-level eligibility is more useful than an invented answer, and several of the largest venues here fall into that category.

The United States: three different kinds of exclusion

US availability is not one question. It splits into federal enforcement history, state-level securities positions, and product-level withdrawals, and those three produce very different maps.

Enforcement has removed some venues outright. KuCoin pleaded guilty to Department of Justice charges on 28 January 2025, paid roughly $297m and agreed to exit the US market for at least two years; a CFTC order of 31 March 2026 then permanently barred the operator. OKX's operating entity, Aux Cayes FinTech, pleaded guilty in February 2025 to operating an unlicensed money transmitting business and agreed to pay around $505m, relaunching a US platform roughly two months later — though whether that platform offers any Earn product could not be verified. Movement runs the other way too: Nexo left the US in December 2022, settled for $45m in January 2023 and re-entered in April 2025, and Kraken relaunched US staking on 30 January 2025 after its own February 2023 settlement.

The third kind of exclusion is product-level and is easy to miss because the account still works. US stablecoin rewards at Crypto.com appear to have been discontinued, consistent with the prohibition on payment-stablecoin yield. Kraken's Opt-In Rewards is not available in the US at all, even though the rest of the platform is. Coinbase's USDC rewards became a Coinbase One subscription benefit from 15 December 2025, so a free-tier US customer now earns nothing on USDC. None of those removes access to the venue; each removes access to a product. The rate tables oncrypto interest rates note the conditions where they apply.

The European Economic Area after the transition

The single most consequential date in this table is 1 July 2026, when national transitional periods under MiCA ended and firms serving EEA customers needed authorisation. The outcomes split into three groups.

• Authorised and serving. Coinbase holds a CASP authorisation through Coinbase Luxembourg S.A., granted by the CSSF on 20 June 2025. Kraken holds one through Payward Europe Solutions Limited, authorised by the Central Bank of Ireland on 25 June 2025. Crypto.com was authorised in Malta in January 2025, Bitpanda under a BaFin MiCAR licence announced on 27 January 2025, SwissBorg by France's AMF in March 2026, and KuCoin EU Exchange GmbH on 27 November 2025.
• Unauthorised and restricted. Bitget has no CASP licence, has an application pending with the Austrian FMA, and restricted Austria, France and Germany when the transition ended. Binance is not in the ESMA register, withdrew its Greek application on 24 June 2026 and told EU users around 26 June 2026 that it could no longer accept new registrations.
• Unauthorised and still reachable. MEXC holds no CASP licence and was not in the ESMA register as of September 2026, yet remained technically accessible in EEA countries. The Dutch AFM issued a public warning on 16 September 2025 that MEXC Global was providing crypto-asset services in the Netherlands without the required licence. This is the most significant regulatory gap in the table.

Two EEA-specific product withdrawals also belong here. Coinbase discontinued AVAX and XTZ staking for EEA users on 26 November 2025, closing new staking and auto-unstaking existing balances after a transition period, with other assets unaffected. And Kraken's Opt-In Rewards is unavailable in the EEA. Neither is a licensing failure; both are choices about specific assets and products.

The United Kingdom: partnerships and warning lists

The UK picture is the most fragmented of the three regions, because several providers reach it through third parties rather than their own permissions. Bybit returned in December 2025 through a partnership with FCA-authorised Archax, spot only and no derivatives. Bitget's UK access runs through the same Archax arrangement rather than a Bitget licence. Coinbase and Kraken serve the UK directly, with Coinbase requiring a Coinbase One subscription for USDC rewards — a requirement that also applies in Australia, Singapore, Andorra, Gibraltar, Guernsey, the Isle of Man and Jersey.

On the other side, MEXC prohibits UK users and sits on the FCA Warning List as an unauthorised firm; Gate restricts the UK on its global platform; Uphold does not offer staking in the UK; and YouHodler states directly that it does not have a regulated UK entity. CEX.IO is the ambiguous case: it holds UK FCA registration and offers spot trading, but the UK does not appear in its Earn supported-country table. We record that as unlisted rather than excluded, because the two are not the same evidential claim, and a reader who needs certainty would have to ask support. Provider-by-provider detail sits in the platform comparisonand the individual reviews it links to.

How to read a supported-country table

Availability claims come in four evidential grades, and conflating them is how most comparison pages go wrong. Ranking them is the single most useful skill for reading this material.

1. An explicit exclusion. The provider names the territory and says the product is unavailable there. CEX.IO stating that Savings and Staking are not currently available to customers in the US is this grade, as is KuCoin stating that US users are prohibited from Earn. This is the strongest evidence available short of a regulator's order.
2. An enforcement order or register entry. A CFTC order permanently barring an operator, an AFM public warning, or the absence of an entity from the ESMA CASP register are facts recorded by a third party rather than claims made by the firm. They are strong evidence about legal standing, though they do not always translate directly into whether a page loads for a given user.
3. Absence from a supported list. Weaker, and frequently misread. The UK does not appear in CEX.IO's Earn supported-country table, which is not the same statement as the UK being barred. A list can be incomplete or stale. This page records that case as unlisted.
4. Silence. Several providers publish nothing usable. Binance.US does not address state exclusions in its own staking FAQ. Nexo publishes no supported-state list. Xapo Bank does not state geographic availability on the pages fetched, and the availability of Ledn, SwissBorg and Bitpanda in the US and UK could not be verified. Silence is a finding in its own right, and it is why the final column of the matrix exists.

A fifth complication cuts across all four: the entity. Bybit serves the EEA through a separate Bybit EU entity rather than the global platform, Gate operates a separate US entity with FinCEN registration and around 30 states of spot coverage, and CEX.IO's favourable custody language sits in the terms of its US entity — which is the one entity that cannot use Earn at all. The question is never simply whether a brand serves your country. It is which company would hold your assets, under which country's law, and whether that company offers the product you are looking at.

Deposit protection is a separate question from availability

Being able to access a product says nothing about what protects it. Across every provider in this research there is exactly one deposit guarantee: Xapo Bank, licensed in Gibraltar under the Financial Services Act 2019, states that US dollar deposits are covered by the Gibraltar Deposit Guarantee Scheme up to the US dollar equivalent of £120,000, and that crypto balances are not covered. Everywhere else, availability and protection are unrelated. CEX.IO's own risk warning states that assets may not be protected by any compensation scheme, insurance arrangement or other loss-protection mechanism. Bitpanda describes its stablecoin product as an unregulated product to which no deposit protection applies. Those are among the more honest disclosures in the sector, and they make the same point from opposite directions: the question of what happens if the provider fails is answered in the risk ranking, not on a supported-countries page.

The practical sequence, then, runs in three steps rather than one. Confirm that the product is available to a resident of your country, for the specific entity that would hold your account. Confirm what protection, if any, applies — usually none. Only then compare rates, using the conditions rather than the headline figures. Products, regions and rates all move; the order of those questions does not. For the underlying models behind each product, where to earn crypto and stablecoin yield cover the mechanics that geography alone cannot explain.