Put your crypto to work! With Retired.com, you can stake your crypto holdings and potentially earn rewards while supporting blockchain networks that use proof-of-stake validation.

To participate in staking, you must meet the eligibility requirements. You can stake or unstake your crypto at any time through the asset details page in your account.

Staking involves committing your cryptocurrency to help secure and operate a blockchain network that uses a Proof of Stake (PoS) system. When you stake, your crypto is temporarily "locked" as collateral, which helps ensure validators act honestly when verifying transactions and maintaining the network.

In return for supporting the network, you can earn staking rewards — typically a small percentage of additional cryptocurrency, paid out in the same coin you staked. Rewards are usually distributed at regular intervals and can vary depending on the network's rules, performance, and total participation. See "How does staking work?" for the full mechanics, including bonding and unbonding.

Yes, your account retains ownership of your crypto assets during the staking process. However, once staked, you can't trade or liquidate those assets until they're unstaked. Some blockchain networks may also impose lock-up periods, unbonding delays, or penalties that affect when or how you can access your staked crypto.

Staking rewards are governed by each blockchain's protocol. The rate of rewards depends on the amount you stake, network participation levels, and the protocol's specific rules. Reward rates and eligibility differ by network and aren't determined or controlled by Retired.com.

Staking rewards accumulate based on the rules of each blockchain network and are credited to your account on a monthly basis, minus the staking-provider and custodial fees.

You can track your staking rewards on your account dashboard through the asset details and transaction history.

Yes. Staking involves protocol-defined waiting periods for earning rewards and unstaking assets. A bonding period is typically required before your staked crypto begins earning rewards, and an unbonding period may apply when you request to unstake. Some networks continue to pay rewards during the unbonding period, while others don't. Timeframes vary by network and are affected by congestion, validator performance, protocol updates, and Retired.com's own request-processing time. See "How does staking work?" for more detail.

Displayed staking APY is an estimate of potential rewards based on data from a third-party staking-data provider and recent network performance. It may not include staking-provider or custodial fees, and rewards vary by asset and can fluctuate based on network protocols — they're never guaranteed.

Contact the Service Team for the current Staking Disclosures document, which outlines the full terms.

Two fees apply: a custodial fee (Digital Trust) and a staking-provider fee. Both are deducted from your staking rewards before they're credited to your account.

*Wait times shown above are estimates. Actual times may vary depending on the fulfillment period, network conditions, validator performance, and are subject to change. See "What are the staking eligibility requirements?" for more on minimums, or "Staking Cardano (ADA)" for a detailed breakdown of one asset's timing.

Staking involves risks, including potential loss of principal, and isn't suitable for all investors. We recommend consulting a tax advisor or attorney for guidance specific to your situation before staking a meaningful portion of your account. Estimated APYs are subject to change based on network conditions, fees, and compounding frequency. Eligible assets may vary at Retired.com's discretion. Staked assets are subject to the terms of Retired.com, Digital Trust, our custodian, and the applicable blockchain protocols.

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