| Risk grade |
A
|
AA
|
| APY |
Flexible Simple Earn ~1-5%, locked/promotional higher; ETH staking (WBETH/BETH) ~3% APR (directional)
|
ETH ~3-4% APR, SOL ~5-6%, DOT/ATOM higher (directional, net of Kraken commission)
|
| Base vs max rate |
Notable max-vs-base gap: locked + promotional 'bonus tier' rates far exceed flexible base
|
Rates net-of-commission; minimal promo inflation
|
| Assets |
BTC, ETH, USDT, USDC and 300+ assets; on-chain staking for many PoS coins
|
ETH, SOL, DOT, ADA, ATOM, KSM and ~15+ PoS assets; Auto Earn opt-in
|
| Lock-up / unbonding |
Flexible (instant) or locked (7-120 days); ETH staking via BETH/WBETH liquid tokens
|
Flexible (bonded) or protocol-locked options; ETH exit queue applies
|
| Custody |
Publishes Merkle-tree PoR; Simple Earn products deploy user assets (counterparty risk); very large balance sheet but opaque
|
Publishes Merkle-tree proof-of-reserves audits; staked assets delegated to validators; discontinued US on-chain staking service in 2023 SEC settlement then relaunched restructured
|
| Liquid-staking token |
WBETH / BETH (ETH staking)
|
None (bonded/flexible model)
|
| Payout frequency |
Daily
|
Weekly / per-asset
|
| US access |
No (Binance.com); Binance.US is a separate, more limited entity
|
Yes (Kraken Earn availability varies by product/state after 2023 settlement)
|