Hit your long-term targets.

Earn rates as high as 16% annually with Fixed-term Savings.
4.9
1K+ reviews
Operating

since 2018

Personalized

client care 24/7

Assets under management

$11+ billion

Operating

since 2018

Personalized

client care 24/7

Assets under management

$11+ billion

Savings that support your goals.

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

Earn even higher rates

Earn extra yield on top of our Flexible Savings rates with 1, 3, or 12-month terms.

Preserve wealth over time

Maintain the long-term value of your assets with steady and compounding returns.

Grow your portfolio on autopilot

Auto-renew your term with zero effort and enjoy uninterrupted growth.

High annual yields for your 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

Estimate your earnings with our Crypto Calculator.

More benefits of Fixed-term Savings.

Maintain a healthy Credit Line

Use your Fixed-term Savings as a backup to strengthen your Credit Line in a single tap.

Grow wealth faster with compounding interest

Automatically reinvest your earned interest into your expiring term to accelerate your growth.

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.

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

Go flexible.

Earn daily compound interest and have your assets available to trade or withdraw at any time.

Simplify your crypto taxes with maximum precision.

Save time and stay compliant with automated tax reporting by our partners at Koinly.

Import your Ritchi transaction history into Koinly

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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Spend without selling your digital assets.

Purchase over 100 digital assets with your credit or debit card.

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