Contributor, Benzinga
June 9, 2022
verified by Ryan McNamara
Overall Rating:
securely through Finblox's website

Finblox is a next-gen superapp where users can game, trade and earn with their crypto from a single platform, with up to 60% annual percentage yield (APY) on your crypto investments by simply holding. While the 60% rate is only available on one asset, you can still earn between 3% and 11% APY on a wide variety of other tokens, and some of the highest rates on stablecoins. Deposit cryptocurrency in your account and begin earning rewards with Finblox.

In addition to the easy signup process, Finblox offers its users bank-grade security and insurance on their assets. No minimum account balance is required to get started with Finblox, which means that the platform can be a viable option for new investors who haven’t built a crypto portfolio yet. It charges no hidden fees or withdrawal charges on the platform, and rewards are calculated and compounded on a daily basis. 

Best For
  • New cryptocurrency investors
  • Cryptocurrency investors looking for passive income
  • Anyone interested in receiving yields greater than the low rates offered in traditional savings accounts
  • Higher-than-average yield rates on crypto investments
  • Ability to withdraw your money at any time; no commitments or lock-up periods
  • Currently 23 supported cryptocurrencies with more being added
  • The advertised 60% APY is only available on one cryptocurrency, Axie Infinity

Finblox Ratings at a Glance

Product Offerings
Customer Service
Mobile App
User Benefits
User Experience

The easiest way to earn passive income on your crypto, with up to 60% APY on select assets and 11% on stablecoins.

Finblox Product Offerings

Earning interest on investments and cash is a form of passive income that allows you to grow your holdings while also maintaining complete control over your assets. Unfortunately, the average savings account in America has an interest rate of just 0.06% APY. When viewed in the context of increasing inflation, you can see why many investors choose alternative methods to earn interest on their funds.

Finblox is a unique app offering that allows you to earn yields on cryptocurrency investments. Depending on the type of coin or token that you deposit into your account, you could earn up to 60% APY in rewards. Though these high rates apply only to select crypto investments, you can also earn between 3% and 11% APY on most supported assets, which is still significantly higher than the interest you’d earn leaving money in a traditional savings account.

Finblox is compatible with some of the world’s most popular and well-known cryptocurrency and stablecoin investments, as well as a few smaller offerings not supported by competing platforms. You can currently earn yields on the following projects:

  • USDC
  • USDT
  • BUSD
  • DAI
  • XIDR
  • XSGD
  • BTC
  • ETH
  • SOL
  • AXS
  • SLP
  • RON
  • AVAX
  • NEAR
  • SAND
  • BNB
  • DOT
  • XRP
  • ADA
  • ATOM
  • APE
  • DOGE

To earn the highest 60% rate, you’ll need to fund your account with AXS. Finblox is continually working to expand its offerings, and even has a request form where cryptocurrency enthusiasts can make suggestions for coins and tokens they’d like to see supported.

New products from Finblox include Pool Party, a game where you deposit your crypto in the pool and wait to see if you win in every drawing. Plus, you can withdraw your crypto at any time with no losses. You keep your crypto, and you only need to deposit $10 to participate in unlimited drawings every week.

Plus, you can Swap out of one supported cryptocurrency and into another using Finblox.

Getting started with Finblox is simple and straightforward, requiring only three easy steps.

Download the app or launch the web app: You can download the Finblox app for iOS and Android platforms free of charge or launch the web app in your browser. Register inside the app to create your profile. Most users will be able to open their account in just a few minutes.

  • Fund your account: After you finish completing your profile and opening your account in the app, fund your account with the cryptocurrencies of your choice. You can directly transfer held crypto to Finblox from another wallet. You can also purchase cryptocurrency on the app via Moonpay, a cryptocurrency investing platform that gives you access to six major cryptocurrencies.
  • Begin earning yields: As soon as your deposit clears into your account, you’ll begin earning yields on the crypto you hold. Yields are calculated and deposited on a daily basis, so you won’t need to time your withdrawals to maximize your earning potential. You’ll see the yields earned deposited directly back into your wallet through the app.

Finblox is also notable thanks to its no lock-in period policy. With some crypto savings platforms, you must agree to leave your cryptocurrency locked into your account for a specific period of time to qualify for yields. A minimum hold period can be very risky, especially in light of the volatility shown by the cryptocurrency market in recent years. However, when you use Finblox’s savings or crypto vault, you are free to withdraw your coins and tokens at any time — no lock-in period required. More than 15,000 users have already created an account with Finblox and begun earning rewards on their investments. 

Finblox Customer Service

Finblox offers multiple methods that you can use to get in touch with its customer service team and learn more about the platform and its offerings.

  • Via live chat: To speak with a representative via live chat, click on the blue chat icon in the bottom right hand of Finblox’s homepage. If live chat services aren’t available when you need them, you can also use this feature to submit a message to Finblox’s team. A representative will get back to you via email when they are next online.
  • Social media: To contact Finblox via social media, you can send a message to the company’s Twitter account, Instagram account or via Telegram. You will already need to have a social media account on each of these platforms or be willing to create an account to use this contact method.  

Before reaching out to a representative, you might want to explore Finblox’s robust help center, which has answers to some of the most common questions that users have. If you’re new to cryptocurrency investing and trading as a whole, you might also want to explore Finblox University, which is filled with educational articles written for beginners. 

Finblox Pricing

You do not need to pay anything to sign up with Finblox, and there are no minimum account balances required to start earning rewards on your crypto. The yields that you see in your account are yours to keep unconditionally.

The only fee Finblox charges is a fixed withdrawal fee for the asset you’ve chosen. You can review the withdrawal fee chart here.

While Finblox as a platform does not charge fees on its transactions, all cryptocurrency transactions come with a gas or network fee that you’ll be responsible for. These fees are not part of Finblox because the company does not own or manage the blockchain technology that the assets it supports are built on. Typically, the Polygon, BNB Smart Chain (BEP20) or Solana (SPL) blockchains are used to minimize gas fees. 

Finblox Security

Finblox’s team takes security seriously, and it has implemented a number of steps to ensure that only you can access your funds. When you create an account, you’ll be prompted to enable 2-factor authentication, which requires that you confirm that you own your account each time you log in. Log-in attempts are accompanied by email notifications that allow you to see and track all the activity in your account. When you create your account, you’ll also be required to create a unique PIN to unlock your account, ensuring that unauthorized individuals cannot access it. You can even enhance your account safety by requiring biometric data to unlock it.

In addition to high-level security features and encryption, Finblox also has insurance on its crypto assets. Your account is covered by $45 million USD in insurance, which Finblox maintains to ensure that it can compensate its users in the unlikely event of a hack.

Finblox Mobile App

Finblox is now available both on mobile and web apps! Some of the most notable features that you’ll have access to when you use the Finblox app include the following:

  • QR deposits: When transferring cryptocurrency from one account to another, Finblox’s app allows you to generate custom QR codes. This can make your transfer experience easier while also preventing you from sending money to the wrong wallet address.
  • Multi-layer security options: When you create your Finblox account, you’ll be prompted to create a special PIN to unlock your account, as well as enable 2-factor authentication. For the highest possible level of security, you can even require that your Finblox account open only when provided with your biometric data (for example, a thumbprint).
  • No hidden fees or minimums: Finblox is a truly fee-free platform, with no hidden fees, fees on withdrawals, or account maintenance fees.

The Finblox app is available as a free download for both iOS and Android devices. A specially formatted app is available for tablet users as well. 

Finblox User Benefits

Finblox offers a range of advantages over many of its competitors. Some unique features that make Finblox stand out from the crowd include the following.

  • Wide range of supported assets: Finblox allows you to earn yields on more than 20 cryptocurrencies, and the platform is constantly expanding its offerings. From stablecoins like USDC to highly volatile assets like Dogecoin, Finblox’s diverse offerings make it easier for you to earn.  
  • Available outside of the United States: If you currently reside outside of the United States, you may still be able to access Finblox. The Finblox community spans more than 100 countries, and you don’t need to be located in the U.S. to create your account.
  • Learning center: New to cryptocurrency? Begin learning about the market while you earn rewards by reading articles on Finblox University.
  • Web app: Finblox now has a web app that allows you to access your Finblox in your browser.

Overall, users who are searching for a passive way to earn income on their crypto and learn more about the market will likely enjoy Finblox’s streamlined, simple app. 

Finblox User Experience

Finblox’s user experience is straightforward and simple — even those who have never purchased cryptocurrency before will be able to create an account in just a few minutes through the app. After downloading and answering a few questions about your identification, you can instantly begin transferring your funds into your new account to begin earning yields. You can see your yields calculated on a day-by-day basis, which means that you won’t need to strategically time your deposits and withdrawals to maximize earnings.

Finblox vs Competitors

ZenGo, PennyWorks, Voyager and CoinRabbit are a handful of comparable platforms to Finblox.

Finblox Overall

No matter if you’re a cryptocurrency novice or a seasoned investor, you can see returns when using Finblox’s unique platform. With no minimum account balances and a connection with Moonpay, there is little prior crypto knowledge required to get started earning on more than 23 individual coins and tokens. Finblox doesn’t charge any type of fees on its account and offers its users professional-grade security and millions of dollars in insurance protection to give users peace of mind.

While Finblox is a strong platform for earning passive income on crypto, there is still room for improvement. In the future, Finblox can expand its customer service options to include phone-based support and possibly launch its own token.

Frequently Asked Questions


What is a cryptocurrency savings account?


A crypto savings account is a centralized finance solution that allows you to deposit and hold your crypto assets in a custodial wallet to earn passive income in return. It is important to note that centralized finance systems directly manage your private keys and are controlled by a single entity, while decentralized finance systems use self-custodial wallets and are governed by smart contracts. You can take advantage of many variants of crypto savings platforms that have evolved to include exchange, swap, borrowing, and lending features. Market risk is the biggest risk of keeping your assets in a crypto savings account. The value of your assets can depreciate while they are held in the account, and if you cannot sell quickly enough, you could lose part of your funds.


What is a stablecoin?


A stablecoin is a cryptocurrency whose price is tied to an external asset that does not follow the crypto market, giving it a better chance of resisting volatility.

More on Stablecoins

Commodity-backed stablecoins: Cryptocurrencies with a value that is pegged to one or more commodities that they can be physically redeemed for. An example of this is real estate, oil, or gold.

Cryptocurrency-backed stablecoins: Cryptocurrencies with a value that is pegged to other cryptocurrencies. This class of stablecoins uses other cryptos as collateral for an exchange value. 

Fiat-backed stablecoins: Cryptocurrencies with a value that is pegged to a fiat currency, usually the U.S. dollar. In some cases, these coins are insured by an equivalent amount in the federal reserve and by regulated financial institutions.

Algorithmic stablecoins: A protocol that uses an algorithm or smart contract to manage the supply of tokens and guide their value to a reference asset, such as the U.S. dollar. Algorithmic stablecoins generally do not attempt to achieve value by holding a reserve of fiat-denominated assets with a value in a 1:1 relationship with the value of the stablecoin. Instead, algorithmic stablecoins use different mechanisms to control the supply or value of the stablecoin, including minting or burning coins, rebasing and arbitrage.

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About Sarah Horvath

Sarah Horvath is a seasoned financial writer with a specialization in investing content. With a keen eye for market trends and a deep understanding of investment strategies, Sarah delivers insightful and informative articles tailored to investors. Her dedication to providing valuable content empowers readers to make informed decisions in the dynamic world of finance. Sarah’s expertise extends across various investment vehicles, including stocks, bonds, cryptocurrencies, and real estate. Whether analyzing market movements, evaluating investment opportunities, or demystifying complex financial concepts, Sarah’s writing is characterized by clarity, accuracy, and actionable insights. Through her engaging content, Sarah strives to educate and guide investors on their journey towards financial success.