Earn extra rewards with Bitpanda Earn

Bitpanda Earn brings together two different ways to earn rewards on your digital assets: Earn through Staking and Earn on Stablecoins.

• Earn through Staking lets you earn rewards from supported Proof-of-Stake networks by delegating your crypto- assets via Bitpanda.

• Earn on Stablecoins allows you to lend your stablecoins (USDC or EURCV) to Bitpanda under a loan agreement and receive yield in return.

In both cases, rewards are credited automatically every week. The two products, however, differ in how rewards are generated and in their risk profile: staking rewards come from blockchain networks, while stablecoin yields are paid directly by Bitpanda.

• With Bitpanda Earn, growing your assets passively is as simple as holding them. Whether you’re staking crypto or earning with stablecoins, your holdings work for you and you get rewarded automatically, every week.

No, they’re two different ways to earn rewards with your assets on Bitpanda Earn. Earn through Bitpanda Staking and Earn on Stablecoins are two distinct products. Earn through Bitpanda Staking allows you to participate in transaction validation on Proof of Stake blockchains which you will be rewarded for.  While staking can be a great way to grow your holdings, it also carries certain risks including losses from slashing or hacks, and depreciation in the value of assets while staked. For further information please review the Staking Terms. 

When you use Earn (on Stablecoin), you lend supported stablecoins to Bitpanda. While your Earn transaction is active, ownership of your crypto-assets is temporarily transferred to Bitpanda. While this allows you to earn rewards, it also means your assets are subject to certain risks, including counterparty, insolvency, or default risk. Although these risks are generally low, they could impact the value of your assets.  Bitpanda may adjust rates periodically in response to market or liquidity conditions. For more information, see our Earn Terms.

Bitpanda Earn gives you two ways to earn rewards on your assets — Staking and Earn on Stablecoins. Each works differently and carries its own terms and risks:

1. Staking

With Staking, you earn rewards by helping to secure blockchain networks that use the Proof-of-Stake mechanism.

To start staking:

1. Hold a supported crypto asset (e.g., ETH, ADA, SOL).

2. Select your preferred asset in the Earn section.

3. Choose the amount you want to stake.

4. Click “Start Staking” to begin earning rewards.

• Your staking rewards are automatically re-staked to compound your gains.

• You can unstake your assets at any time, except where the blockchain protocol itself imposes an unbonding period (e.g., ETH).

• Once unstaked, your assets become available for trading or withdrawal as usual.

 2. Earn on Stablecoins

With Earn on Stablecoins, you lend your stablecoins (USDC or EURCV) to Bitpanda and receive a fixed yield in return.

To start earning:

1. Hold USDC or EURCV in your Bitpanda wallet.

2. Go to the Earn section and select Earn on Stablecoins.

3. Choose the amount you want to lend.

4. Accept the dedicated Earn Terms & Conditions and confirm the transaction.

• You’ll earn yield on your stablecoins, paid weekly in the same currency (USDC or EURCV).

• When you request to redeem your stablecoins, a 14-day lock-in period begins. During this time, your assets continue to earn yield but are temporarily unavailable for withdrawal.

• After 14 days, your stablecoins will automatically become available again in your wallet.

Important: Earn on Stablecoins is an unregulated product. It is not covered by MiCAR or any deposit or investor-protection scheme. You lend your stablecoins to Bitpanda under a loan agreement, and Bitpanda uses them internally for liquidity purposes.

To view your rewards, go to the transaction history and select Rewards, or open the asset detail page and check the related transactions under Bitpanda Earn.

• For Staking, there is no lock-in period. You can redeem your assets at any time (except for ETH staking).

• For Earn on Stablecoins, there’s an unlocking period of 14 days

Sit back and let your assets do the work!For staking: Rewards are calculated based on the current annual yield from the blockchain, which is updated weekly. They are distributed every Tuesday, according to your staked amount and the number of full days your assets were staked. Rewards are paid out in the same asset that you staked.

For Earn on stablecoins: You earn rewards by lending your assets, including a fixed Base Reward of up to 3% APY, plus an additional variable Bonus Reward on top. Your rewards are calculated every week and automatically added every Tuesday, paid out in the same stablecoin you invested.

• For Earn on stablecoins, your total reward is made up of two components — the Base Reward, which is fixed at 3 %, and the Bonus Reward, which may be granted by Bitpanda at its discretion. Bitpanda may adjust the bonus reward rate every 14 days. Bonus rewards are not guaranteed. The applicable rate will be communicated to you on the asset detail page. 

• For staking, The APYs shown on Bitpanda are for reference only and may change over time. The actual APY available will be displayed on the summary screen right before you confirm an Earn Transaction. You can always see the current APY for your assets on your asset detail page.

Bitpanda will for the provision of the Staking Services charge a commission which will be automatically deducted before Rewards will be distributed to the Bitpanda Client.

Each Proof of Stake crypto-asset has different fees and rewards, however, Bitpanda always tries to get the best execution possible. Also, with Bitpanda you are not tied to the lock-in or waiting periods, therefore, your rewards will be paid out every week.

Staked assets cannot be used with the card. In order to make a payment with a staked asset, you have to redeem it first.

You can expect to receive the rewards on Tuesday every week. However, Bitpanda at no time guarantees payment of rewards. Bitpanda is not responsible for delays in payment due to technical limitations.

It is still possible to incur losses if the value of the coin goes down and the losses, thus, are higher than the rewards received from staking. Staking rewards are impacted by factors outside of the control of Bitpanda GmbH, e.g. changes of the protocols of Staking Asset Network, technical disruptions. Bitpanda can therefore not guarantee any specific staking reward or return over time.

During an Earn Transaction, your E-Money Tokens are actively used to generate potential rewards and are temporarily held outside Bitpanda’s standard custody setup. While this allows you to earn yields, these assets aren’t covered by deposit protection schemes. Bitpanda is committed to transparency and smart risk management, but as with any reward-based product, some risk remains.

• The weekly reward per asset must be worth at least EUR 0.01 for them to be distributed to you.

• If the value of the asset you have staked falls below EUR 1.00, you will not be eligible to receive rewards.

When you use Earn on Stablecoins, you lend your stablecoins (USDC or EURCV) to Bitpanda under a loan agreement. During this period, Bitpanda becomes the legal owner of the assets and may use them within its internal operations as permitted by law.

Yes. Bitpanda may adjust rates based on market conditions or liquidity needs. Any change will be shown in-app before it takes effect.

Yes, you continue earning yield during the 14-day redeem period until your assets are released.

The lock-in period helps Bitpanda manage liquidity and ensure smooth settlement of user redemptions.

No, once you’ve initiated redemption, it cannot be cancelled; your assets will be available again after the 14-day period.

Earn on Stablecoins is available in most regions and is being rolled out gradually. Austrian‑resident users will be coming in 2026.

Bitpanda clearly discloses that Earn on Stablecoins is an unregulated product. All key product terms — APY, payout frequency, and redemption rules — are displayed before you start lending. You can view your rewards and transaction history anytime in the Earn section, and all product documentation is regularly reviewed to ensure accuracy