| Risk grade |
BB
|
AA
|
| APY |
Flexible savings low single digits; fixed/promo and dual-asset/liquidity-mining much higher with added risk (directional)
|
ETH ~3-4% APR, SOL ~5-6%, DOT/ATOM higher (directional, net of Kraken commission)
|
| Base vs max rate |
Large gap; promotional and structured 'max' rates dominate marketing
|
Rates net-of-commission; minimal promo inflation
|
| Assets |
BTC, ETH, USDT, USDC, SOL and major assets
|
ETH, SOL, DOT, ADA, ATOM, KSM and ~15+ PoS assets; Auto Earn opt-in
|
| Lock-up / unbonding |
Flexible or fixed-term; on-chain unbonding applies
|
Flexible (bonded) or protocol-locked options; ETH exit queue applies
|
| Custody |
Post-hack PoR (Hacken) shows >100% collateral on key assets; Earn products deploy assets
|
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 |
-
|
None (bonded/flexible model)
|
| Payout frequency |
Daily
|
Weekly / per-asset
|
| US access |
|
Yes (Kraken Earn availability varies by product/state after 2023 settlement)
|