cryptocurrency exchange platforms</strong></a> do not allow users to lend out their crypto coins. Exchanges that allow such services offer varying loan rates. The rates fluctuate depending on the cryptocurrency used for the loan or which type of loan was agreed on.</p>\n<p>There are two main loan types used by cryptocurrency exchange platforms:</p>\n<ul>\n<li><strong>Fixed lending</strong>. This type of lending is similar to a certificate of deposit granted by a bank. The money is secured for a set period of time at a fixed rate. The security is typically granted for seven to ninety days. It pays a greater rate of interest if the borrower does not use the cryptocurrency in any way.</li>\n<li><strong>Flexible lending</strong>. This loan type functions similarly to a savings account. The borrower can withdraw the cryptocurrency at any point. Flexible lending offers lower rates of return.</li>\n</ul>\n<p>One of the platforms offering fixed and flexible financing for customers is <a href=https://www.bitdegree.org/"https://www.bitdegree.org/crypto/goon/binance/" target=\"_blank\" rel=\"nofollow noindex noopener\"><strong>Binance</strong></a>. It is the world&rsquo;s largest cryptocurrency exchange platform by volume. Loaning is available via Binance Earn services.</p>\n<p>Cryptocurrencies are very <a href=https://www.bitdegree.org/"/crypto/learn/crypto-terms/what-is-volatility/">volatile. Therefore, the amount of interest earned can vary significantly. 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Crypto?","featured_image_id":11394,"status":"published","chapter_id":7,"language":"en","order":7,"modified_content":null,"preview_url":"https://www.bitdegree.org/crypto/learn/what-is-fud","featured_image":{"id":11394,"uuid":"defd32c5-d3e1-4e66-9f58-e2ee316bad3a","public_url":"https://assets.bitdegree.org/crypto/storage/optimized/what-is-fud-featured-image.jpg","path":"crypto/storage/optimized/what-is-fud-featured-image.jpg","original_path":"crypto/storage/original/what-is-fud-featured-image.jpg","name":"what-is-fud-featured-image.jpg","original_name":"what-is-fud-featured-image.jpg","title":null,"alt":null,"width":1024,"height":576,"disk":"spaces","status":"uploaded","readable_file_size":"65.30KB"},"youtube_video":null},{"slug":"investing-in-cryptocurrency","title":"Investing in Cryptocurrency: How to Manage Your 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Crypto?","featured_image_id":6532,"status":"published","chapter_id":7,"language":"en","order":9,"modified_content":null,"preview_url":"https://www.bitdegree.org/crypto/learn/what-is-a-rug-pull-in-crypto","featured_image":{"id":6532,"uuid":"be8043fb-078c-4487-9af9-d2d9c2b574ea","public_url":"https://assets.bitdegree.org/crypto/storage/media/what-is-a-rug-pull-in-crypto.o.jpg","path":"crypto/storage/media/what-is-a-rug-pull-in-crypto.o.jpg","original_path":"crypto/storage/media/what-is-a-rug-pull-in-crypto.jpg","name":"what-is-a-rug-pull-in-crypto.o.jpg","original_name":"what-is-a-rug-pull-in-crypto.jpg","title":null,"alt":null,"width":768,"height":478,"disk":"spaces","status":"uploaded","readable_file_size":"92.28KB"},"youtube_video":null},{"slug":"how-to-avoid-rug-pulls-in-crypto","title":"How to Spot and Avoid Rug Pulls?","featured_image_id":6555,"status":"published","chapter_id":7,"language":"en","order":10,"modified_content":null,"preview_url":"https://www.bitdegree.org/crypto/learn/how-to-avoid-rug-pulls-in-crypto","featured_image":{"id":6555,"uuid":"80cbed9d-3b4b-45d9-9a85-d2d8108c0f32","public_url":"https://assets.bitdegree.org/crypto/storage/media/how-to-avoid-rug-pulls.o.jpg","path":"crypto/storage/media/how-to-avoid-rug-pulls.o.jpg","original_path":"crypto/storage/media/how-to-avoid-rug-pulls.jpg","name":"how-to-avoid-rug-pulls.o.jpg","original_name":"how-to-avoid-rug-pulls.jpg","title":null,"alt":null,"width":768,"height":478,"disk":"spaces","status":"uploaded","readable_file_size":"111.99KB"},"youtube_video":null},{"slug":"how-to-avoid-crypto-taxes","title":"The Key Legal Techniques of Avoiding Crypto 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Tokens?","featured_image_id":null,"status":"published","chapter_id":8,"language":"en","order":4,"modified_content":null,"preview_url":"https://www.bitdegree.org/crypto/learn/how-to-track-new-crypto-coins","featured_image":null,"youtube_video":null},{"slug":"how-to-research-crypto","title":"Crypto Research Fundamentals & Social Signals: Your Daily Trading Strategy","featured_image_id":null,"status":"published","chapter_id":8,"language":"en","order":5,"modified_content":null,"preview_url":"https://www.bitdegree.org/crypto/learn/how-to-research-crypto","featured_image":null,"youtube_video":null}]},{"id":9,"title":"Mining","slug":"mining","updated":false,"chapter":"https://assets.bitdegree.org/crypto/assets/crypto-book/chapters/learn-crypto-mining.jpg","chapter_simple":"https://assets.bitdegree.org/crypto/assets/crypto-book/chapters-simple/crypto-mining-101.jpg","rating":80,"sections":[]},{"id":10,"title":"Crypto 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No information regarding the person or item, like their origin, location, or other data, is known. Anonymous entities can choose to remain as such for a number of reasons. They lack any distinctive individual aspects and are not recognizable.</p>\n<p>Anonymity has been a massive aspect of <a href=https://www.bitdegree.org/"/crypto/learn/crypto-terms/what-is-cryptocurrency/">cryptocurrencies since their inception. The creator of <a href=https://www.bitdegree.org/"https://www.bitdegree.org/crypto/buy-bitcoin-btc/">Bitcoin (BTC)</strong></a>, the first cryptocurrency, has remained anonymous and is only known by the pseudonym <a href=https://www.bitdegree.org/"/crypto/learn/crypto-terms/who-is-satoshi-nakamoto/">Satoshi Nakamoto</strong></a>.</p>\n<p>Some cryptographic tools, like <a href=https://www.bitdegree.org/"/crypto/learn/crypto-terms/what-is-zero-knowledge-proof/">zero-knowledge proof</strong></a>, ensure anonymity by design. Some cryptocurrencies, such as <a href=https://www.bitdegree.org/"https://www.bitdegree.org/crypto/buy-monero-xmr/">Monero (XMR)</strong></a>, allow completely anonymous transactions which obfuscate the addresses of both parties in the transaction, as well as the amount of crypto being exchanged.</p>","level":"easy","meta_title":"What is Anonymous? 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There is a risk of hackers accessing the user information. The information could be credit and debit card data, or a social security number. So, it's important to have decent security to prevent that from happening.</p>\n<p>When it comes to user authentication, they are identified by a user ID. When there is a password that matches the ID, the procedure begins. Passwords are also considered knowledge authentication elements, and they should be known only by the user.</p>\n<p>To put things simply, the authentication procedure can be divided into the identification and real authentication stages. The identification step supplies the security system with a user identity. A user ID is used to give this identification. The security system will analyze certain factors to discover the abstract object that the present user is utilizing.</p>\n<p>When this is completed, the user has been recognized.</p>\n<p>Almost all interactions between the human and the computer have a form of authentication. To get into any system, you first need to create a user ID and a valid password. After that, user authentication will allow accessing the network or other devices, resources, applications, authorizing human-to-machine interactions first, as well as the wired, and wireless networks.</p>\n<p>Modernization of technology was critical in the early days of digital currency, and blockchain application cases. People were unfamiliar with the importance of security in the technological age. As a result, password-protected wallet apps with high-level authentication mechanisms are available.</p>\n<p>If a password-less interface in digital currency <a href=https://www.bitdegree.org/"/crypto/learn/crypto-terms/what-is-wallet/">wallets and blockchain apps solves the challenge of security, more people will be able to participate in the development of technologies and real-world use cases.</p>\n<p>User&rsquo;s access to corporate networks, servers, computers, or any digital resources is monitored by authentication. Moreover, businesses and companies use authentication to enable their employees to have secure access to their apps and networks.</p>\n<p>If additional security is needed, one way to get that is by adding additional authentication elements to the verification process. That&rsquo;s where the two-factor authentication comes in handy.</p>\n<p>Most people have certainly heard of two-factor authentication, especially in the area of crypto. The fundamental purpose is that, unlike bank accounts, stolen assets from&nbsp;a hacked crypto account cannot be retrieved. That is why the extra work is worthwhile.</p>\n<p>Blockchain technology employs <a href=https://www.bitdegree.org/"/crypto/learn/crypto-terms/what-is-public-key-cryptography/">public-key cryptography</strong></strong></a> to safeguard wallets or locations that are storing sensitive information. Furthermore, while identity and access management technologies for blockchain include cryptocurrency wallets as the main feature, they may compromise UX and UI components.</p>","level":"medium","meta_title":"What is Authentication? Definition & Meaning | Crypto Wiki","meta_description":"Authentication meaning: Authentication - refers to the process of identifying if something is valid.","meta_keywords":null,"language":"en","created_at":"2022-02-10T15:07:12.000000Z","updated_at":"2022-05-13T14:32:22.000000Z","preview_url":"https://www.bitdegree.org/crypto/learn/crypto-terms/what-is-authentication"},"currentChapter":"A","currentSection":"what-is-annual-percentage-rate-apr","chapterTitle":"A","readingLevel":"medium"},"url":"/crypto/learn/crypto-terms/what-is-annual-percentage-rate-apr","version":"cdd198d50cbe5c9c21c9329d7c096ffc"}" class="container-fluid d-flex crypto-book p-0">
Handbook Cover Page
Crypto Terms: Letter A

What is Annual Percentage Rate (APR)?

Annual Percentage Rate (APR) MEANING:
Annual Percentage Rate (APR) - the amount of interest a borrower is obliged to pay yearly. The APR is calculated by multiplying the periodic rate by the number of periods in one year.
Medium
2 minutes

Let's find out Annual Percentage Rate (APR) meaning, definition in crypto, what is Annual Percentage Rate (APR), and all other detailed facts.

The annual percentage rate (APR) is the monetary value or reward earned by investors who make their crypto tokens accessible for loans, accounting for interest rates and any additional fees paid by the borrowers.

Various platforms encourage their clients to stake their crypto assets by offering a high APR. The annual percentage rate is exclusive of compound interest.

Some cryptocurrency exchange platforms do not allow users to lend out their crypto coins. Exchanges that allow such services offer varying loan rates. The rates fluctuate depending on the cryptocurrency used for the loan or which type of loan was agreed on.

There are two main loan types used by cryptocurrency exchange platforms:

  • Fixed lending. This type of lending is similar to a certificate of deposit granted by a bank. The money is secured for a set period of time at a fixed rate. The security is typically granted for seven to ninety days. It pays a greater rate of interest if the borrower does not use the cryptocurrency in any way.
  • Flexible lending. This loan type functions similarly to a savings account. The borrower can withdraw the cryptocurrency at any point. Flexible lending offers lower rates of return.

One of the platforms offering fixed and flexible financing for customers is Binance. It is the world’s largest cryptocurrency exchange platform by volume. Loaning is available via Binance Earn services.

Cryptocurrencies are very volatile. Therefore, the amount of interest earned can vary significantly. Cryptocurrency lending schemes can attract investors looking into long-term crypto holding, as this sort of passive income adds value to the portfolio.

The frequent price changes of Bitcoin (BTC) and other cryptocurrencies mean that the revenue is directly impacted. Those partaking in fixed lending programs can notice value fluctuations in their portfolios as the coins secured for a set period of time cannot be exchanged.
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