Reach your savings goals with compound interest.

Earn up to 14% annual interest on digital assets with daily payouts and no lock-ups.

4.9
1K+ reviews
Operating

since 2020

Personalized

client care 24/7

Assets under management

$11+ million

Operating

since 2020

Personalized

client care 24/7

Assets under management

$11+ million

The benefits of Flexible Savings.

Join the Ritchi Loyalty Program and benefit from industry-leading rates with an account balance above $5,000.

Daily compounding

Build your wealth faster with up to 14% annual interest, paid out every day.

Funds available anytime

Your funds are earning interest while remaining available for investing or trading.

Generating interest for over 6 years

Ritchi clients have enjoyed consistent interest-generation since 2022, no matter the market conditions.

Annual rates that drive your long-term success.

Bitcoin
Bitcoin BTC
$107,677.00
▲ 1.89%
Ethereum
Ethereum ETH
$2,541.53
▲ 1.08%
Tether
Tether USDT
$1.00
▲ 0.01%
XRP
XRP XRP
$2.27
▲ 1.34%
BNB
BNB BNB
$655.81
▲ 0.81%
Solana
Solana SOL
$155.97
▲ 4.36%
USDC
USDC USDC
$1.00
▼ -0%
Dogecoin
Dogecoin DOGE
$0.19
▲ 1.3%
TRON
TRON TRX
$0.28
▼ -0.9%

Estimate your earnings with our Crypto Calculator.

Wealth solutions for family offices, corporates, and private clients.

Accounts above $100,000 unlock access to a dedicated relationship manager, exclusive OTC services, custom terms, and rates.

High annual yields for your digital assets.

Strong fundamentals support your assets.

We put our clients first by providing a robust infrastructure, designed to sustain your long-term wealth growth.

$320+ billion

in transaction volume and collateralized credit issued

150+

jurisdictions worldwide

$1+ billion

in interest paid

Simplify your crypto taxes with maximum precision.

Save time and stay compliant with automated tax reporting

Import your Ritchi transaction history.

Calculate capital gains, losses, and income

Generate compliant reports tailored to your local tax regulations.

Frequently asked questions.

Creating your Ritchi account is quick and straightforward.

Simply sign up, confirm your email, and complete a fast identity check. Once verified, you’ll be ready to start building wealth with Ritchi.

You can learn about the process in detail here.

After you create your account, you need to buy or transfer crypto, opt in for interest earning via the Ritchi app, and maintain an account balance above $5,000 worth of digital assets. Once that’s done, you’ll be earning daily interest on your digital assets with our Flexible Savings offering.

To start earning interest, clients in certain jurisdictions must proactively opt-in for the service in their Ritchi account.

Ritchi offers over 100 cryptocurrencies, including Bitcoin, Ethereum,
Solana, and USDC—all accessible through flexible payment options.

Choose between Apple Pay, Google Pay, bank transfers, or bank
cards, and purchase digital assets in the way that suits you best.

View the full list of assets here.

Once you buy or top up crypto, you can immediately access your
Credit Line to borrow funds—either sent to your bank account
or your Ritchi account in the form of stablecoins.

Visit our Help Center for more detailed information.

Driving the next generation of wealth.

Ritchi is built for pioneers ready to leverage blockchain technology for wealth generation. Create your account today and get started.
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Utilize the entire Ritchi ecosystem to grow your wealth.

Spend without selling your digital assets.

Borrow funds without selling your assets.

Swap over 100 digital assets seamlessly with a tap.

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Grow your savings

Let your assets work passively or use active strategies for high-yield returns.

Earn daily compound interest with Flexible Savings

Build your wealth with daily compound interest while keeping your funds available anytime.

Earn higher rates for longer with Fixed-term Savings

Earn more for a specific time period and achieve your long-term savings goals.

Earn high yield with
 Dual Investment

Use short or mid-term strategies to buy low and sell high. Earn yield while waiting for your target buy or sell conditions to be met.

Our annual savings rates for supported digital assets.

Up to 7%

On BTC

Up to 8%

On ETH

Up to 12%

On NEXO

Up to 16%

On USDT

Up to 8%

On SOL

Up to 15%

On GBPx

Up to 15%

On USDx

Up to 15%

On EURx