AQRU: How to Earn Interest with Your Crypto Savings

UTC by Andy Watson · 5 min read
AQRU: How to Earn Interest with Your Crypto Savings
Photo: AQRU

AQRU users do not need to be crypto experts. Investors do not even need to own any crypto to start with.

AQRU is an exciting fintech app that aims to deliver the very best crypto savings account. Crypto saving allows normal people to invest and gain interest using cryptocurrency like Bitcoin rather than a normal currency like US dollars – and the interest rates are so much better. With AQRU, users can earn up to 12% a year.

So what’s the catch? With AQRU, there isn’t one. AQRU’s mission is to be jargon-free and completely transparent with its users. Crypto interest accounts are common nowadays, but they are often complicated to use. Investors can get intimidated. But not with AQRU. In 2019 the AQRU founders set out to build a crypto interest account that could not be beaten for keeping it simple and keeping it straight. And when it comes to fees and flexible access, AQRU is tough to match too.


Cryptoassets are a highly volatile unregulated investment product. 

AQRU: How It Works

AQRU users do not need to be crypto experts. Investors do not even need to own any crypto to start with. Best of all, AQRU users can withdraw their money whenever they like; that is because, unlike other crypto interest accounts, AQRU does not insist that users lock their crypto in for a given period.

AQRU brings together cryptocurrency buying and crypto saving under one roof in one easy process:

  • Deposit funds.
  • Buy crypto and leave it with AQRU.
  • The crypto earns interest – tracked to the second.
  • When you are ready, withdraw your funds. Plus interest!

AQRU: How to Earn Interest with Your Crypto Savings

So they can take advantage of the high-interest rates that a crypto lending platform can offer, AQRU takes investors through three simple steps:

  1. Deposit
    Have crypto already? Great. Transfer it into AQRU using your crypto wallet. If not, deposit real money by bank transfer or credit card.
  2. Earn
    If you do not have crypto already, you can buy it from AQRU. Once your crypto is in, it starts to earn interest straight away. Market leaders Bitcoin (BTC) and Ethereum (ETC) earn 7% a year. You can get an even better 12% by saving stablecoins Tether (USDT), USD Coin (USDC) and Dai (DAI).
  3. Withdraw
    Withdraw your funds plus interest whenever you like. ‘No catches, no lock-ins, no questions’ – that is the AQRU promise. And, best of all, you choose how you want to withdraw: send your crypto to your crypto wallet (if you have one), or send cold, hard cash to your bank account.

Earning Interest with AQRU – Example

AQRU: How to Earn Interest with Your Crypto Savings

All investors aim to ‘accrue’ (gain) financial gains. With AQRU, not only might your crypto rise in value (if it is not a stablecoin), but you will also ‘accrue’ a guaranteed rate of interest.

  • 7% interest on Bitcoin (BTC) and Ethereum (ETH).
  • 12% interest on Tether (USDT), USD Coin (USDC) and Dai (DAI).

This is why AQRU calls itself ‘AQRU’ – because it is all about ‘AQRU’-ing interest!

Here is a real-life example of earning interest with your AQRU crypto interest account:

  • You sign up with AQRU.
  • You deposit some funds (minimum deposit only $100).
  • You buy, for example, $10,000 of Tether (USDT) crypto with AQRU. Or you buy $10,000 of Tether elsewhere, and transfer it in – the choice is yours. Tether is what is known as a ‘stablecoin’. The value of stablecoins are, as the name suggests, stable: pegged to the value of a fiat currency.
  • You leave your Tether with AQRU for twelve months.
  • Your Tether accrues interest at a rate of 12% APY (Annual Percentage Yield).
  • At the end of 12 months, the $10,000 you invested with AQRU is worth $11,224.37.

The same process works with all coins under AQRU’s roof.

Saving with a crypto savings and interest platform like AQRU offers so much better yields than conventional savings accounts. Whereas AQRU offers a yield of 12%, very few banks offer more than 1% yield on savings of real money.

Banks also generally only offer better yields for large investments. With AQRU, you get 12% interest on stablecoins and 7% on Bitcoin and Ethereum regardless of the size of your investment (provided it is above $100).

How does AQRU make such high returns? AQRU uses the crypto deposited by users to invest on decentralized crypto exchanges (DEXs) as well as lend money to retail investors and institutions.

The AQRU Vision

A trio of experts in DeFi (Decentralized Finance) came together to found AQRU in 2019: Phil Blows, Digby Try and Louis Quaintance.

The AQRU team interviewed over 10,000 people to identify what they call ‘pain points’ in their personal finances. That meant finding financial problems that a new fintech company could solve. The AQRU researchers found that ‘most people need to produce additional income to make money from their money but in a simple, jargon-free way.’

“We launched AQRU to be the most straightforward, safest place for anyone, regardless of their background or financial experience, to access market-leading returns on their investments,” said CEO and Co-Founder Phil Blows.


Cryptoassets are a highly volatile unregulated investment product.

Andy Watson
Author Andy Watson

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