| Risk grade |
BB
|
A
|
| APY |
Flexible savings low single digits; fixed/promo and dual-asset/liquidity-mining much higher with added risk (directional)
|
stETH ~3% APR (ETH consensus + execution rewards, net of Lido's 10% protocol fee); directional
|
| Base vs max rate |
Large gap; promotional and structured 'max' rates dominate marketing
|
No promo; pure protocol rate minus 10% fee (split node operators/DAO)
|
| Assets |
BTC, ETH, USDT, USDC, SOL and major assets
|
ETH (stETH/wstETH); previously SOL/MATIC support wound down
|
| Lock-up / unbonding |
Flexible or fixed-term; on-chain unbonding applies
|
No lockup, stETH is liquid and tradable; direct withdrawals subject to ETH exit queue
|
| Custody |
Post-hack PoR (Hacken) shows >100% collateral on key assets; Earn products deploy assets
|
No custodian; on-chain and verifiable; risks are smart-contract bugs, validator slashing, and stETH:ETH depeg during stress
|
| Liquid-staking token |
-
|
stETH / wstETH
|
| Payout frequency |
Daily
|
Daily rebase (stETH balance grows)
|
| US access |
|
Yes (self-directed DeFi; front-end may geoblock, contract is permissionless)
|