Wall Street investors can now earn 15% on crypto holdings

COIN +1.32%

U.S. largest crypto echange Coinbase is advertising staking rewards “up to 15% APY” across select proof-of-stake assets, while rolling out instant unstaking that lets customers access liquidity anytime for a 1% fee.

The move introduces something Wall Street rarely offers. High, blockchain-native yields that don’t come from leverage, exotic derivatives, or opaque lending programs. Instead, the rewards come directly from the underlying blockchain protocols.

Coinbase presents staking as simple, accessible, and transparent.

Related: Inflation-hit Americans receive free $12,000 in crypto

The company on its website notes that “Your assets never leave your account. Our customers have never lost crypto while staking with Coinbase,” positioning the product as a more secure alternative to third-party yield schemes that collapsed in 2022.

Staking is also open to everyone. Customers can “start with as little as $1, and get immediate liquidity with instant unstaking.”

What APY actually means in crypto

The exchange lists yields from 1% to more than 15% depending on the network, noting that the “rewards rate is based on the estimated protocol rate, which is subject to change.”

In traditional finance, APY (annual percentage yield) means interest earned from sources like savings accounts, treasury bills, or money-market funds. These are issued and controlled by centralized institutions.

In crypto, APY works very differently.

Related: What is Crypto? Cryptocurrency explained

Staking rewards come from the blockchain itself. Validators earn new tokens for helping secure and verify transactions, and users who stake through Coinbase share in that issuance. The APY is not paid by Coinbase, it is set by the protocol, meaning it can fluctuate depending on network activity, the number of participants, and overall token supply.

This explains why networks like Cosmos (ATOM) can show 15.13% APY, while Ethereum sits closer to the 1.88% range. The yield isn’t tied to Federal Reserve policy, bank lending operations, or corporate bond markets. It’s tied to the economics of the blockchain.

More News:

• Popular crypto exchange founder sued after users lose over $200M

• Inflation-hit Americans receive free $12,000 in crypto

• IMF warns emerging trend could trigger deeper flash crashes

How this differs from Wall Street or banks

Wall Street yields, whether from bonds, money markets, or structured notes, typically range from 4% to 6% today. These assets are regulated, tied to interest rates, and issued by governments or corporations.

Crypto staking yields, by contrast:

• come from block rewards, not interest

• fluctuate based on network conditions

• offer higher APYs but higher volatility

• are available without minimum balance requirements

• are fully onchain

Coinbase describes staking as “a proven way to earn in crypto,” noting that customers earned more than “$450M+ rewards… in 2024.”

Instant unstaking gives investors liquidity banks don’t offer

The standout feature in this update is instant unstaking. Normally, staked assets are locked for days or weeks depending on the blockchain. Even money-market funds have settlement times. Certificates of deposit (CDs) have penalties. Corporate bonds require brokers and market-makers.

Crypto unstaking, especially instant unstaking, behaves more like tapping a wallet balance.

Coinbase is packaging staking alongside other yield products. Users can earn “3.85% rewards by simply holding USDC,” or lend USDC for “up to 10.3%” through Morpho on Base.

Related: What are tokenized stocks? Explained

This story was originally published by TheStreet on Dec 1, 2025, where it first appeared in the MARKETS section. Add TheStreet as a Preferred Source by clicking here.