Yield
BTC on LBank
LBank pays 0.15 % APY on Bitcoin (BTC) as a Flexible rate. On YieldScope LBank carries a safety grade of D, scored across five risk criteria. Below: where BTC earns more — and where it earns safer.
WhiteBIT B Yield source: Exchange Earn
Where else BTC earns
LBank pays 0.15 % on BTC. Here's how other venues compare — by rate and by safety.
| Venue | APY | Terms | Grade |
|---|---|---|---|
| LBank (this page) | 0.15 % | Flexible | D |
 Lune.fi | 21.5 % | 🔒 360d lock | F |
| Lune.fi | 14 % | Flexible | F |
 CoinDepo | 12 % | Flexible | F |
| WhiteBIT | 10.4 % | 🔒 30d lock | B |
 YouHodler | 7.0 % | Flexible | F |
LBank is graded D. If safety matters more than a few extra basis points, Bitvavo Staking earns BTC at a higher grade (A).
Why LBank is graded D
Five binary safety criteria — each one passed or not. The more passed, the safer.
- ✗
Regulation
No licence from a financial regulator. LBK Exchange Limited is registered as a money services business with FinCEN (US, 31000328501557) and FINTRAC (Canada, M22603388) — anti-money-laundering registrations, not a licence to hold client funds — and LBank does not serve US or Canadian residents. Japan's FSA warned LBank in June 2024 for operating a crypto exchange without registration. The user agreement is governed by the laws of the British Virgin Islands. Source 1 → Source 2 → Source 3 →
- ✗
Proof-of-Reserves
LBank announced a Merkle-tree proof of reserves in November 2022, and a February 2024 support article lists two wallet addresses. We found no published report with reserve figures or coverage ratios. Source 1 → Source 2 →
- ✓
Flexible withdrawal
Spot Earn is flexible: redeem at any time, interest calculated daily. The only pause is a daily 30-minute settlement window when positions cannot be exited. Source →
- ✗
Insurance Fund
No protection fund covering hacks or loss of client funds found. LBank's loss-compensation programmes, including a $100M fund, cover futures trading losses from price spikes — not assets held in custody. Source 1 → Source 2 →
- ✓
Track record (2+ years incident-free)
Operating since 2015. We found no confirmed hack or loss of client funds: a "2023 hot-wallet breach" repeated by some review sites cites no primary source, and we found none. The 2024 warning from Japan's FSA is counted under regulation. Source →
How BTC yields moved across exchanges
from 2026-05-25 to 2026-09-26
Source: daily snapshots via exchange APIs
Your money, this pair
How much will you earn?
Method: monthly compounding (1 + APR/12)ⁿ, where APR is the exchange's stated rate. The realized 12-month return is slightly higher due to reinvestment. Rates may change. Not financial advice.
This is not an affiliate link. Price for you doesn't change.
How BTC earns on LBank
When you deposit BTC into LBank's earn product you receive 0.15 % APY as a Flexible rate. The platform puts the asset to work and shares the yield — your balance grows without you doing anything.
This is a base rate, not a promotional teaser: it's what an ordinary deposit actually earns. LBank carries a YieldScope safety grade of D, so weigh the yield against platform risk — a higher rate on a weaker grade is not automatically a better deal.
Rates on BTC move with lending demand and market conditions. We re-check them daily and keep a history, so you can see whether today's number is unusually high, unusually low, or steady.