LATAM Bitcoin Interest Accounts Compared: Liquidity, Rates, Daily Payouts

A new LATAM-focused review compares Bitcoin interest accounts across four platforms: Clapp, Nexo, Bitso, and OKX Earn. The article argues that in 2026, Bitcoin interest accounts are judged less by headline APY and more by liquidity, rate transparency, and payout structure. Clapp: flexible BTC savings with instant access and daily interest credited, with transparent rates around 5.2% APY (flexible). It also offers fixed-term BTC savings up to ~8.2% APR, plus a borrowing feature that lets users keep earning without fully withdrawing BTC. Nexo: daily payouts but yields depend on loyalty tiers and conditions. “Up to” rates typically require NEXO token holdings and/or fixed terms, with liquidity split between flexible and locked products. Bitso: integrated into the local exchange ecosystem (Mexico, Brazil, Argentina). It emphasizes usability and fiat-to-BTC flow, but rates are generally lower and payout/compounding cadence is less strict or consistent. OKX Earn: broad product range (flexible and fixed) at scale, but availability and consistency vary. Some higher-yield offers are capped or time-limited, and certain products require BTC lock-ups. Key takeaway for traders: the “best” Bitcoin interest accounts depends on whether you prioritize full liquidity and clear, fixed rates (Clapp), tier optimization using NEXO (Nexo), local convenience (Bitso), or multi-strategy flexibility (OKX Earn). Bitcoin interest accounts are trending toward more flexible, controllable yield models rather than aggressive lock-ups.