How to Earn Daily Interest on ETH in 2026 — Without Staking or Lockups

Ethereum has matured into one of the most widely held digital assets, but many ETH holders still face a familiar dilemma: how to earn yield without locking funds, managing validators, or giving up flexibility.

In 2026, earning interest on ETH no longer requires staking or complex DeFi strategies. Flexible savings accounts now allow ETH holders to generate daily passive income while keeping their assets fully accessible. One of the clearest examples of this approach is Clapp Flexible Savings.

ETH Yield Has Changed

For years, ETH yield was almost synonymous with staking. While staking remains a core part of Ethereum’s security model, it comes with trade-offs that do not suit every holder. Funds may be locked or illiquid, rewards fluctuate with network conditions, and exits are not always immediate.

As the market matured, a parallel model emerged: ETH savings accounts. These products treat ETH as a savings asset rather than a protocol commitment. Instead of validator participation, yield is generated through conservative interest mechanisms designed to preserve liquidity and predictability.

This shift reflects a broader trend. ETH is no longer held only by protocol participants or active traders. It is increasingly part of long-term portfolios where access and clarity matter as much as yield.

Clapp Flexible Savings: ETH Interest Built for Liquidity

Clapp approaches ETH yield with a savings-first mindset. With Clapp Flexible Savings, ETH starts earning interest immediately after deposit. Interest is calculated and credited daily, allowing earnings to compound naturally over time.

There are no lock-ups. ETH remains fully liquid, meaning users can withdraw, convert, or transfer their holdings at any moment without penalties or loss of accrued interest. This is a fundamental difference from staking-based models, where liquidity is often constrained.

Rates are displayed clearly inside the app. There are no tiers, loyalty requirements, or conditional bonuses. The APY shown is the APY earned, which provides users with transparent returns easy to understand and track.

No Staking, No Delegation, No Complexity

One of the defining aspects of Clapp’s ETH savings model is what it removes. Users do not need to stake, delegate, manage validator exposure, or monitor protocol changes. ETH remains ETH — not wrapped, not locked, not converted into derivative tokens.

This simplicity matters. Many ETH holders want passive income without operational involvement. Clapp’s structure allows them to earn yield while staying flexible, which is particularly relevant during volatile market conditions.

Daily Interest, Predictable Compounding

Daily interest changes how ETH savings behave over time. Instead of waiting for monthly payouts or variable staking rewards, earnings accrue consistently. This improves transparency and makes it easier to understand how balances grow.

For long-term holders, daily compounding adds meaningful value, even at moderate APYs. More importantly, it aligns with the expectations users have from modern financial products: steady accrual and constant access.

Security and Regulatory Context

Clapp Finance operates as a registered Virtual Asset Service Provider (VASP) in the Czech Republic and follows EU AML and compliance standards. Digital assets, including ETH, are safeguarded using Fireblocks’ institutional-grade custody infrastructure.

For users evaluating ETH yield products after multiple market cycles, regulatory clarity and custody standards are no longer optional considerations. They are baseline requirements.

Final Thoughts

ETH holders in 2026 have more options than ever, but not all yield models serve the same purpose. Staking remains relevant for protocol participation, while flexible savings accounts fill a different role: generating passive income without commitment or complexity.

Clapp’s ETH Flexible Savings demonstrates how this model can work in practice. Daily interest, instant access, transparent rates, and regulated custody offer a clean alternative for users who want their ETH to earn without being locked away. 

Disclaimer: This article is provided for informational purposes only. It is not offered or intended to be used as legal, tax, investment, financial, or other advice.