TokenBank 简体中文 · 比特币收益
持有比特币能赚取收益吗？
要点
我们的数据中有40个 BTC 借贷市场、金库和质押代币，最高为Accountable — CBBTC lending (Earn ACC Points)的10.28%（范围0.0%至10.3%，中位数0.4%），涵盖Monad、Avalanche、Stacks、Ethereum、Citrea、Sui等区块链。较高的收益率多来自奖励代币或额外风险，收益率会变动。
比特币本身不产生利息，收益一定来自第三方：把 BTC 借出（借款需求很少，利率大多接近 0%）、通过 Babylon 或 Lombard（LBTC）把 BTC“质押”以保障其他区块链的安全（奖励多以其他代币支付）、金库策略，或赚取期货基差和期权权利金。这些方法大多经由 WBTC、cbBTC、LBTC 等包装 BTC 进行，因此增加了托管方或跨链桥的风险。2022 年，Celsius、BlockFi 等 BTC 借贷平台相继破产。
数据日期 2026-11-11 · 非投资建议。谁可以购买由发行人决定。 · English
| 代币 | 发行人 | 收益率 | 最低投资额 | 区块链 | 状态 |
|---|---|---|---|---|---|
| Accountable — CBBTC lending (Earn ACC Points) on Monad DL-ACCOUNTABLE-CBBTC-MONAD-E17F | Accountable (protocol) | 10.28% (浮动, DefiLlama 2026-11-11) checked 11 Nov 2026 | 无最低金额 | Monad | 存续中 |
| Benqi Lending — BTC.B lending on Avalanche DL-BENQILENDING-BTCB-AVALANCHE | Benqi Lending (protocol) | 8.82% (浮动, DefiLlama 2026-11-11) checked 11 Nov 2026 | 无最低金额 | Avalanche | 存续中 |
| StackingDAO — STSTXBTC liquid staking on Stacks DL-STACKINGDAO-STSTXBTC-STACKS | StackingDAO (protocol) | 6.91% (浮动, DefiLlama 2026-11-11) checked 11 Nov 2026 | 无最低金额 | Stacks | 存续中 |
| Morpho Blue — ARMCWBTC lending on Ethereum DL-MORPHOBLUE-ARMCWBTC-ETHEREUM | Morpho Blue (protocol) | 4.8% (浮动, DefiLlama 2026-11-11) checked 11 Nov 2026 | 无最低金额 | Ethereum | 存续中 |
| Concrete — CTWBTC vault (Concrete WBTC) on Ethereum DL-CONCRETE-CTWBTC-ETHEREUM | Concrete (protocol) | 4.74% (浮动, DefiLlama 2026-11-11) checked 11 Nov 2026 | 无最低金额 | Ethereum | 存续中 |
| Accountable — CBBTC lending (Earn ACC Points) on Monad DL-ACCOUNTABLE-CBBTC-MONAD-5528 | Accountable (protocol) | 3.8% (浮动, DefiLlama 2026-11-11) checked 11 Nov 2026 | 无最低金额 | Monad | 存续中 |
| Avant avBTC — SAVBTC vault (ERC-4626: savBTC → avBTC) on Avalanche DL-AVANTAVBTC-SAVBTC-AVALANCHE | Avant avBTC (protocol) | 3.32% (浮动, DefiLlama 2026-11-11) checked 11 Nov 2026 | 无最低金额 | Avalanche | 存续中 |
| Accountable — WCBTC lending on Citrea DL-ACCOUNTABLE-WCBTC-CITREA | Accountable (protocol) | 3.21% (浮动, DefiLlama 2026-11-11) checked 11 Nov 2026 | 无最低金额 | Citrea | 存续中 |
| Native Credit Pool — WBTC lending (single-side, no-loss LP) on Ethereum DL-NATIVECREDITPOOL-WBTC-ETHEREUM | Native Credit Pool (protocol) | 3.09% (浮动, DefiLlama 2026-11-11) checked 11 Nov 2026 | 无最低金额 | Ethereum | 存续中 |
| Lagoon — T9CBBTC vault on Ethereum DL-LAGOON-T9CBBTC-ETHEREUM | Lagoon (protocol) | 2.44% (浮动, DefiLlama 2026-11-11) checked 11 Nov 2026 | 无最低金额 | Ethereum | 存续中 |
| Sentora Curator — WBTC vault (Sentora BTC) on Ethereum DL-SENTORACURATOR-WBTC-ETHEREUM | Sentora Curator (protocol) | 2.29% (浮动, DefiLlama 2026-11-11) checked 11 Nov 2026 | 无最低金额 | Ethereum | 存续中 |
| Morpho Blue — HYPERCBBTCA lending on Monad DL-MORPHOBLUE-HYPERCBBTCA-MONAD | Morpho Blue (protocol) | 2% (浮动, DefiLlama 2026-11-11) checked 11 Nov 2026 | 无最低金额 | Monad | 存续中 |
| StackingDAO — STBTC liquid staking on Stacks DL-STACKINGDAO-STBTC-STACKS | StackingDAO (protocol) | 1.89% (浮动, DefiLlama 2026-11-11) checked 11 Nov 2026 | 无最低金额 | Stacks | 存续中 |
| NAVI Lending — XBTC lending on Sui DL-NAVILENDING-XBTC-SUI-90D9 | NAVI Lending (protocol) | 1.63% (浮动, DefiLlama 2026-11-11) checked 11 Nov 2026 | 无最低金额 | Sui | 存续中 |
| Vesu — WBTC lending (Re7 USDC Core) on Starknet DL-VESU-WBTC-STARKNET | Vesu (protocol) | 1.5% (浮动, DefiLlama 2026-11-11) checked 11 Nov 2026 | 无最低金额 | Starknet | 存续中 |
| ether.fi Liquid — LIQUIDBTC vault on Ethereum DL-ETHERFILIQUID-LIQUIDBTC-ETHEREUM | ether.fi Liquid (protocol) | 1.18% (浮动, DefiLlama 2026-11-11) checked 11 Nov 2026 | 无最低金额 | Ethereum | 存续中 |
| Zest V2 — SBTC lending on Stacks DL-ZESTV2-SBTC-STACKS | Zest V2 (protocol) | 0.96% (浮动, DefiLlama 2026-11-11) checked 11 Nov 2026 | 无最低金额 | Stacks | 存续中 |
| Lombard LBTC — LBTC liquid staking on Ethereum DL-LOMBARDLBTC-LBTC-ETHEREUM | Lombard LBTC (protocol) | 0.67% (浮动, DefiLlama 2026-11-11) checked 11 Nov 2026 | 无最低金额 | Ethereum | 存续中 |
| Chainflip Lending — BTC lending on Bitcoin DL-CHAINFLIPLENDING-BTC-BITCOIN | Chainflip Lending (protocol) | 0.56% (浮动, DefiLlama 2026-11-11) checked 11 Nov 2026 | 无最低金额 | Bitcoin | 存续中 |
| Save — CBBTC lending (Main Pool) on Solana DL-SAVE-CBBTC-SOLANA | Save (protocol) | 0.45% (浮动, DefiLlama 2026-11-11) checked 11 Nov 2026 | 无最低金额 | Solana | 存续中 |
| Dolomite — WBTC lending on Arbitrum DL-DOLOMITE-WBTC-ARBITRUM | Dolomite (protocol) | 0.39% (浮动, DefiLlama 2026-11-11) checked 11 Nov 2026 | 无最低金额 | Arbitrum | 存续中 |
| HyperLend Pooled — UBTC lending on Hyperliquid L1 DL-HYPERLENDPOOLED-UBTC-HYPERLIQUIDL1 | HyperLend Pooled (protocol) | 0.26% (浮动, DefiLlama 2026-11-11) checked 11 Nov 2026 | 无最低金额 | Hyperliquid L1 | 存续中 |
| ether.fi Stake — EBTC liquid staking on Ethereum DL-ETHERFISTAKE-EBTC-ETHEREUM | ether.fi Stake (protocol) | 0.23% (浮动, DefiLlama 2026-11-11) checked 11 Nov 2026 | 无最低金额 | Ethereum | 存续中 |
| Venus Core Pool — BTCB lending on BSC DL-VENUSCOREPOOL-BTCB-BSC | Venus Core Pool (protocol) | 0.13% (浮动, DefiLlama 2026-11-11) checked 11 Nov 2026 | 无最低金额 | BSC | 存续中 |
| Fluid Lending — WBTC lending on Ethereum DL-FLUIDLENDING-WBTC-ETHEREUM-946C | Fluid Lending (protocol) | 0.07% (浮动, DefiLlama 2026-11-11) checked 11 Nov 2026 | 无最低金额 | Ethereum | 存续中 |
| Fluid Lending — WBTC lending on Ethereum DL-FLUIDLENDING-WBTC-ETHEREUM-7C4D | Fluid Lending (protocol) | 0.07% (浮动, DefiLlama 2026-11-11) checked 11 Nov 2026 | 无最低金额 | Ethereum | 存续中 |
| Fluid Lending — CBBTC lending on Ethereum DL-FLUIDLENDING-CBBTC-ETHEREUM-671C | Fluid Lending (protocol) | 0.06% (浮动, DefiLlama 2026-11-11) checked 11 Nov 2026 | 无最低金额 | Ethereum | 存续中 |
| Fluid Lending — CBBTC lending on Ethereum DL-FLUIDLENDING-CBBTC-ETHEREUM-349A | Fluid Lending (protocol) | 0.06% (浮动, DefiLlama 2026-11-11) checked 11 Nov 2026 | 无最低金额 | Ethereum | 存续中 |
| Aave V3 — WBTC lending on Arbitrum DL-AAVEV3-WBTC-ARBITRUM | Aave V3 (protocol) | 0.02% (浮动, DefiLlama 2026-11-11) checked 11 Nov 2026 | 无最低金额 | Arbitrum | 存续中 |
| Aave V3 — WBTC lending on OP Mainnet DL-AAVEV3-WBTC-OPMAINNET | Aave V3 (protocol) | 0.02% (浮动, DefiLlama 2026-11-11) checked 11 Nov 2026 | 无最低金额 | OP Mainnet | 存续中 |
| Aave V3 — WBTC.E lending on Avalanche DL-AAVEV3-WBTCE-AVALANCHE | Aave V3 (protocol) | 0.02% (浮动, DefiLlama 2026-11-11) checked 11 Nov 2026 | 无最低金额 | Avalanche | 存续中 |
| Aave V3 — BTCB lending on BSC DL-AAVEV3-BTCB-BSC | Aave V3 (protocol) | 0.01% (浮动, DefiLlama 2026-11-11) checked 11 Nov 2026 | 无最低金额 | BSC | 存续中 |
| Aave V3 — CBBTC lending on Base DL-AAVEV3-CBBTC-BASE | Aave V3 (protocol) | 0.01% (浮动, DefiLlama 2026-11-11) checked 11 Nov 2026 | 无最低金额 | Base | 存续中 |
| Aave V3 — WBTC lending on Polygon DL-AAVEV3-WBTC-POLYGON | Aave V3 (protocol) | 0.01% (浮动, DefiLlama 2026-11-11) checked 11 Nov 2026 | 无最低金额 | Polygon | 存续中 |
| Fluid Lending — WBTC lending on Arbitrum DL-FLUIDLENDING-WBTC-ARBITRUM-304D | Fluid Lending (protocol) | 0.01% (浮动, DefiLlama 2026-11-11) checked 11 Nov 2026 | 无最低金额 | Arbitrum | 存续中 |
| Fluid Lending — WBTC lending on Arbitrum DL-FLUIDLENDING-WBTC-ARBITRUM-8064 | Fluid Lending (protocol) | 0.01% (浮动, DefiLlama 2026-11-11) checked 11 Nov 2026 | 无最低金额 | Arbitrum | 存续中 |
| JustLend V1 — BTC lending on Tron DL-JUSTLENDV1-BTC-TRON | JustLend V1 (protocol) | 0.01% (浮动, DefiLlama 2026-11-11) checked 11 Nov 2026 | 无最低金额 | Tron | 存续中 |
| Kamino Lend — CBBTC lending (SOL/BTC Market) on Solana DL-KAMINOLEND-CBBTC-SOLANA | Kamino Lend (protocol) | 0.01% (浮动, DefiLlama 2026-11-11) checked 11 Nov 2026 | 无最低金额 | Solana | 存续中 |
| NAVI Lending — XBTC lending on Sui DL-NAVILENDING-XBTC-SUI-B098 | NAVI Lending (protocol) | 0.01% (浮动, DefiLlama 2026-11-11) checked 11 Nov 2026 | 无最低金额 | Sui | 存续中 |
| Tectonic — CDCBTC lending on Cronos DL-TECTONIC-CDCBTC-CRONOS | Tectonic (protocol) | 0.01% (浮动, DefiLlama 2026-11-11) checked 11 Nov 2026 | 无最低金额 | Cronos | 存续中 |
常见问题
为什么 BTC 借贷利率这么低？
因为想借入比特币的人很少。远高于借贷利率的收益，大多由奖励代币或额外风险支撑。
包装 BTC（WBTC、cbBTC、LBTC）有什么风险？
它们依赖保管真实比特币的托管方或跨链桥。托管方破产或跨链桥遭攻击，包装 BTC 可能失去价值。
存放在中心化借贷平台呢？
2022 年 Celsius 和 BlockFi 破产，用户的 BTC 未能取回。存放前须注意平台本身的信用风险。
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