If you're considering opening an interest-paying crypto account, find out how the interest is being generated. For example, some cryptocurrencies use something called a "proof-of-stake" validation method. Essentially, investors can earn rewards by staking their crypto to help maintain the system. This carries certain risks, but they are very different from a crypto lend-earn platform. It isn't always clear who they are lending money to or what risks they are taking to generate those interest payments. If something promises sky-high rates of returns, it's wise to be suspicious.