| Risk grade |
BB
|
AA
|
| APY |
Flexible savings low single digits; fixed/promo and dual-asset/liquidity-mining much higher with added risk (directional)
|
ETH staking ~2.5-3% APR (net of Coinbase ~35% commission); USDC rewards ~4% (directional); SOL, ADA, DOT etc. vary
|
| Base vs max rate |
Large gap; promotional and structured 'max' rates dominate marketing
|
Rates are net-of-commission; little promo inflation; USDC rewards are a marketing rate not staking
|
| Assets |
BTC, ETH, USDT, USDC, SOL and major assets
|
ETH, SOL, ADA, DOT, ATOM, XTZ and other PoS coins; USDC rewards
|
| Lock-up / unbonding |
Flexible or fixed-term; on-chain unbonding applies
|
Protocol unbonding applies (ETH exit queue, ~days-weeks); cbETH available as liquid alternative
|
| Custody |
Post-hack PoR (Hacken) shows >100% collateral on key assets; Earn products deploy assets
|
Staked assets delegated to validators, not lent out; NYDFS-regulated custody; public-company disclosures; takes a commission on rewards
|
| Liquid-staking token |
-
|
cbETH (Coinbase Wrapped Staked ETH)
|
| Payout frequency |
Daily
|
Per-asset schedule (ETH ~ daily accrual)
|
| US access |
|
Yes (staking restricted in some US states)
|