Bit2Me EarnPassive yield

Put your crypto to work without selling it

Deposit in Bit2Me Earn, earn variable APY with automatic compounding, and withdraw on flexible terms for most assets — understand risk and liquidity before you start.

Variable APY by asset

No deposit or withdrawal fees

Flexible for most cryptos

Regulated in the EU (MiCA/CNMV)

MiCA / CNMVCNMV registeredInstitutional custody0€ deposit & withdrawal fees
Bit2Me Earn mobile app showing staking rewards

Operational since 2014

First Spanish Fintech to obtain the MiCA License

  • ISO 37001
  • ISO 37301
  • UNE 19601
  • ISO 27701
  • ISO 22301
  • ISO 27001
  • CSA Star Level One
  • The Good Exchange

19.20%

Maximum APY

+39

Cryptoassets in Earn

€0

Deposit and withdrawal fees

Supported cryptocurrencies

More than 39 cryptocurrencies available on Earn

Currency
CurrencyAPY until
Bit2Me Token (B2M)9.82 % · 12 months · Weekly
9.82 %
Bitcoin (BTC)0.50 % · Flexible · Weekly
0.50 %
Ethereum (ETH)6.00 % · Flexible · Weekly
6.00 %
XRP (XRP)0.50 % · Flexible · Weekly
0.50 %
Cardano (ADA)3.50 % · Flexible · Weekly
3.50 %
Polkadot (DOT)5.50 % · Flexible · Weekly
5.50 %
StablR Euro (EURR)6.40 % · Flexible · Weekly
6.40 %
Tron (TRX)5.60 % · Flexible · Weekly
5.60 %
Aave (AAVE)8.20 % · Flexible · Weekly
8.20 %
Cosmos (ATOM)13.50 % · Flexible · Weekly
13.50 %
Algorand (ALGO)3.10 % · Flexible · Weekly
3.10 %
Avalanche (AVAX)10.30 % · Flexible · Weekly
10.30 %
Bittensor (TAO)11.00 % · Flexible · Weekly
11.00 %
BNB (BNB)1.20 % · Flexible · Weekly
1.20 %
Celestia (TIA)4.50 % · Flexible · Weekly
4.50 %
Celo (CELO)7.30 % · Flexible · Weekly
7.30 %
Chromia (CHR)5.50 % · Flexible · Weekly
5.50 %
Concordium (CCD)6.50 % · Flexible · Weekly
6.50 %
Covalent X Token (CXT)11.10 % · Flexible · Weekly
11.10 %
dYdX (DYDX)12.30 % · Flexible · Weekly
12.30 %
Dymension (DYM)15.20 % · Flexible · Weekly
15.20 %
Flow (FLOW)5.70 % · Flexible · Weekly
5.70 %
Hedera (HBAR)1.35 % · Flexible · Weekly
1.35 %
Hyperliquid (HYPE)3.00 % · Flexible · Weekly
3.00 %
Injective Protocol (INJ)15.00 % · Flexible · Weekly
15.00 %
Kava (KAVA)16.20 % · Flexible · Weekly
16.20 %
Kusama (KSM)15.90 % · Flexible · Weekly
15.90 %
Mina (MINA)15.40 % · Flexible · Weekly
15.40 %
MultiversX (EGLD)7.00 % · Flexible · Weekly
7.00 %
Near Protocol (NEAR)5.00 % · Flexible · Weekly
5.00 %
Polygon Ecosystem Token (POL)6.10 % · Flexible · Weekly
6.10 %
Solana (SOL)7.80 % · Flexible · Weekly
7.80 %
Sonic (S)5.50 % · Flexible · Weekly
5.50 %
StablR USD (USDR)5.60 % · Flexible · Weekly
5.60 %
Sui (SUI)4.40 % · Flexible · Weekly
4.40 %
Terra (LUNA2)19.20 % · Flexible · Weekly
19.20 %
Tezos (XTZ)7.80 % · Flexible · Weekly
7.80 %
The Graph (GRT)19.00 % · Flexible · Weekly
19.00 %
The Open Network (TON)3.50 % · Flexible · Weekly
3.50 %
Calculator

Calculate the return on your cryptocurrencies

8 results

Start now

Projection is illustrative. APY is variable and may change. Crypto price volatility is not included. Assumes capital and rewards remain in Bit2Me Earn.

In 24 months you will have*

12.126,41€

Why Bit2Me Earn

Advantages of earning with your crypto

Passive income without active trading

Deposit and let rewards accrue — no validator setup or DeFi complexity.

Flexible liquidity on most assets

Add or withdraw anytime on flexible products. B2M Farming Pool requires a 12-month lock.

Automatic compounding

Rewards reinvest automatically so your balance can grow faster over time.

Zero entry and exit fees

No commission to deposit or withdraw — what you earn stays with you.

Managed staking vs DIY DeFi

Bit2Me handles validation and distribution; you avoid running nodes yourself.

Up to +23.1% APY boost with Space Center

Your activity level can increase Earn APY at no extra cost.
How Earn works

Grow your profits with Earn

1

Add funds to Bit2Me

Deposit via credit card or wire transfer. Buy, receive or exchange cryptocurrencies

2

Move to Earn

Tap “Add to Earn” and transfer your funds with no Earn deposit or withdrawal fee

3

Earn

You start accruing rewards according to the asset schedule (variable APY)

Education

APY vs APR: what you should know

Annual Percentage Yield (APY) reflects compounded rewards in Bit2Me Earn. Annual Percentage Rate (APR) is a simple rate without reinvestment. APY is usually the better indicator when rewards compound automatically.

Crypto rewards are variable: they depend on network conditions, pool demand and asset volatility. Past APY does not guarantee future returns.

Educational content updated periodically.

Security and risk

Understand how Earn works and what is not guaranteed

Earn is not a bank deposit. These are the key points before you allocate funds.

MiCA / CNMV supervision

Bit2Me operates as a regulated crypto-asset service provider in the EU.

Institutional custody

Assets are held under institutional security policies and cold-storage partners.

No deposit guarantee

Earn is not covered by MiCA deposit protection — you may lose part or all of your funds.

Managed vs self-custody staking

We aggregate and distribute rewards so you avoid running validators yourself, with different risk trade-offs.

Participating in crypto yield involves financial risk. Past APY does not guarantee future returns. Deposit guarantee schemes do not apply.

Bit2Me Space Center

Earn up to +23.1% extra APY as you level up

Space Center rewards your activity across Bit2Me. Higher levels add automatic APY boosts on Earn — no extra steps.

  • Boost applies automatically at your current level
  • 7 levels: the higher you go, the more APY you can earn
  • Same level also improves Loan, Card and Brokerage conditions
Discover your Space Center level

Earn APY boost by level

Level 1
6%
Level 2
8%
Level 3
11%
Level 4
14%
Level 5
17%
Level 6
20%
Level 7
23%
Do you have any doubts?

We answer your questions

Ready to put your crypto to work?

Calculate your projection, review risks, and open Earn when you are ready.

MiCA / CNMVCNMV registeredInstitutional custody0€ deposit & withdrawal fees

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