TokenBank bahasa Indonesia · Imbal hasil bitcoin
Bisakah bitcoin menghasilkan imbal hasil?
Ringkasan
Data kami mencatat 40 pasar pinjaman, vault, dan token staking BTC (paling banyak seratus teratas) di 17 blockchain. Tertinggi: Accountable — CBBTC lending (Earn ACC Points) sebesar 10.28%, kisaran 0.0%–10.3%, median 0.4%. Angka jauh di atas median biasanya berasal dari hadiah token atau risiko tambahan.
Bitcoin sendiri tidak membayar bunga. Imbal hasil selalu datang dari pihak ketiga: meminjamkan BTC (permintaannya kecil, jadi bunganya sering mendekati 0 %), "staking" BTC untuk mengamankan blockchain lain (Babylon, Lombard LBTC) yang sering dibayar dalam token lain, strategi vault, atau selisih harga futures dan premi opsi. Hampir selalu dipakai BTC terbungkus (WBTC, cbBTC, LBTC), sehingga ada risiko kustodian atau bridge. Pemberi pinjaman terpusat seperti Celsius dan BlockFi bangkrut pada 2022.
Data per 2026-11-11 · Bukan saran investasi. Penerbit yang menentukan siapa yang boleh membeli. · English
| Token | Penerbit | Imbal hasil | Minimum | Blockchain | Status |
|---|---|---|---|---|---|
| Accountable — CBBTC lending (Earn ACC Points) on Monad DL-ACCOUNTABLE-CBBTC-MONAD-E17F | Accountable (protocol) | 10.28% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Monad | aktif |
| Benqi Lending — BTC.B lending on Avalanche DL-BENQILENDING-BTCB-AVALANCHE | Benqi Lending (protocol) | 8.82% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Avalanche | aktif |
| StackingDAO — STSTXBTC liquid staking on Stacks DL-STACKINGDAO-STSTXBTC-STACKS | StackingDAO (protocol) | 6.91% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Stacks | aktif |
| Morpho Blue — ARMCWBTC lending on Ethereum DL-MORPHOBLUE-ARMCWBTC-ETHEREUM | Morpho Blue (protocol) | 4.8% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Ethereum | aktif |
| Concrete — CTWBTC vault (Concrete WBTC) on Ethereum DL-CONCRETE-CTWBTC-ETHEREUM | Concrete (protocol) | 4.74% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Ethereum | aktif |
| Accountable — CBBTC lending (Earn ACC Points) on Monad DL-ACCOUNTABLE-CBBTC-MONAD-5528 | Accountable (protocol) | 3.8% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Monad | aktif |
| Avant avBTC — SAVBTC vault (ERC-4626: savBTC → avBTC) on Avalanche DL-AVANTAVBTC-SAVBTC-AVALANCHE | Avant avBTC (protocol) | 3.32% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Avalanche | aktif |
| Accountable — WCBTC lending on Citrea DL-ACCOUNTABLE-WCBTC-CITREA | Accountable (protocol) | 3.21% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Citrea | aktif |
| Native Credit Pool — WBTC lending (single-side, no-loss LP) on Ethereum DL-NATIVECREDITPOOL-WBTC-ETHEREUM | Native Credit Pool (protocol) | 3.09% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Ethereum | aktif |
| Lagoon — T9CBBTC vault on Ethereum DL-LAGOON-T9CBBTC-ETHEREUM | Lagoon (protocol) | 2.44% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Ethereum | aktif |
| Sentora Curator — WBTC vault (Sentora BTC) on Ethereum DL-SENTORACURATOR-WBTC-ETHEREUM | Sentora Curator (protocol) | 2.29% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Ethereum | aktif |
| Morpho Blue — HYPERCBBTCA lending on Monad DL-MORPHOBLUE-HYPERCBBTCA-MONAD | Morpho Blue (protocol) | 2% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Monad | aktif |
| StackingDAO — STBTC liquid staking on Stacks DL-STACKINGDAO-STBTC-STACKS | StackingDAO (protocol) | 1.89% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Stacks | aktif |
| NAVI Lending — XBTC lending on Sui DL-NAVILENDING-XBTC-SUI-90D9 | NAVI Lending (protocol) | 1.63% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Sui | aktif |
| Vesu — WBTC lending (Re7 USDC Core) on Starknet DL-VESU-WBTC-STARKNET | Vesu (protocol) | 1.5% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Starknet | aktif |
| ether.fi Liquid — LIQUIDBTC vault on Ethereum DL-ETHERFILIQUID-LIQUIDBTC-ETHEREUM | ether.fi Liquid (protocol) | 1.18% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Ethereum | aktif |
| Zest V2 — SBTC lending on Stacks DL-ZESTV2-SBTC-STACKS | Zest V2 (protocol) | 0.96% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Stacks | aktif |
| Lombard LBTC — LBTC liquid staking on Ethereum DL-LOMBARDLBTC-LBTC-ETHEREUM | Lombard LBTC (protocol) | 0.67% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Ethereum | aktif |
| Chainflip Lending — BTC lending on Bitcoin DL-CHAINFLIPLENDING-BTC-BITCOIN | Chainflip Lending (protocol) | 0.56% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Bitcoin | aktif |
| Save — CBBTC lending (Main Pool) on Solana DL-SAVE-CBBTC-SOLANA | Save (protocol) | 0.45% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Solana | aktif |
| Dolomite — WBTC lending on Arbitrum DL-DOLOMITE-WBTC-ARBITRUM | Dolomite (protocol) | 0.39% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Arbitrum | aktif |
| HyperLend Pooled — UBTC lending on Hyperliquid L1 DL-HYPERLENDPOOLED-UBTC-HYPERLIQUIDL1 | HyperLend Pooled (protocol) | 0.26% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Hyperliquid L1 | aktif |
| ether.fi Stake — EBTC liquid staking on Ethereum DL-ETHERFISTAKE-EBTC-ETHEREUM | ether.fi Stake (protocol) | 0.23% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Ethereum | aktif |
| Venus Core Pool — BTCB lending on BSC DL-VENUSCOREPOOL-BTCB-BSC | Venus Core Pool (protocol) | 0.13% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | BSC | aktif |
| Fluid Lending — WBTC lending on Ethereum DL-FLUIDLENDING-WBTC-ETHEREUM-946C | Fluid Lending (protocol) | 0.07% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Ethereum | aktif |
| Fluid Lending — WBTC lending on Ethereum DL-FLUIDLENDING-WBTC-ETHEREUM-7C4D | Fluid Lending (protocol) | 0.07% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Ethereum | aktif |
| Fluid Lending — CBBTC lending on Ethereum DL-FLUIDLENDING-CBBTC-ETHEREUM-671C | Fluid Lending (protocol) | 0.06% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Ethereum | aktif |
| Fluid Lending — CBBTC lending on Ethereum DL-FLUIDLENDING-CBBTC-ETHEREUM-349A | Fluid Lending (protocol) | 0.06% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Ethereum | aktif |
| Aave V3 — WBTC lending on Arbitrum DL-AAVEV3-WBTC-ARBITRUM | Aave V3 (protocol) | 0.02% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Arbitrum | aktif |
| Aave V3 — WBTC lending on OP Mainnet DL-AAVEV3-WBTC-OPMAINNET | Aave V3 (protocol) | 0.02% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | OP Mainnet | aktif |
| Aave V3 — WBTC.E lending on Avalanche DL-AAVEV3-WBTCE-AVALANCHE | Aave V3 (protocol) | 0.02% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Avalanche | aktif |
| Aave V3 — BTCB lending on BSC DL-AAVEV3-BTCB-BSC | Aave V3 (protocol) | 0.01% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | BSC | aktif |
| Aave V3 — CBBTC lending on Base DL-AAVEV3-CBBTC-BASE | Aave V3 (protocol) | 0.01% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Base | aktif |
| Aave V3 — WBTC lending on Polygon DL-AAVEV3-WBTC-POLYGON | Aave V3 (protocol) | 0.01% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Polygon | aktif |
| Fluid Lending — WBTC lending on Arbitrum DL-FLUIDLENDING-WBTC-ARBITRUM-304D | Fluid Lending (protocol) | 0.01% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Arbitrum | aktif |
| Fluid Lending — WBTC lending on Arbitrum DL-FLUIDLENDING-WBTC-ARBITRUM-8064 | Fluid Lending (protocol) | 0.01% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Arbitrum | aktif |
| JustLend V1 — BTC lending on Tron DL-JUSTLENDV1-BTC-TRON | JustLend V1 (protocol) | 0.01% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Tron | aktif |
| Kamino Lend — CBBTC lending (SOL/BTC Market) on Solana DL-KAMINOLEND-CBBTC-SOLANA | Kamino Lend (protocol) | 0.01% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Solana | aktif |
| NAVI Lending — XBTC lending on Sui DL-NAVILENDING-XBTC-SUI-B098 | NAVI Lending (protocol) | 0.01% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Sui | aktif |
| Tectonic — CDCBTC lending on Cronos DL-TECTONIC-CDCBTC-CRONOS | Tectonic (protocol) | 0.01% (variabel, DefiLlama 2026-11-11) checked 11 Nov 2026 | Tanpa minimum | Cronos | aktif |
Pertanyaan umum
Mengapa bunga pinjaman BTC begitu rendah?
Karena sedikit orang yang ingin meminjam bitcoin. Sebagian besar peminjam mencari stablecoin, sehingga BTC yang disetor jarang dipakai dan bunganya kecil.
Apa risiko BTC terbungkus?
WBTC, cbBTC, atau LBTC hanya bernilai selama kustodian atau bridge di belakangnya benar-benar memegang bitcoin aslinya. Jika pihak itu gagal, token terbungkus bisa kehilangan nilainya.
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