| Risk grade |
AA
|
BBB
|
| APY |
ETH staking ~2.5-3% APR (net of Coinbase ~35% commission); USDC rewards ~4% (directional); SOL, ADA, DOT etc. vary
|
Flexible ~1-4%, fixed-term and CRO-locked tiers higher (directional)
|
| Base vs max rate |
Rates are net-of-commission; little promo inflation; USDC rewards are a marketing rate not staking
|
Higher rates require CRO stake + fixed lock; flexible base is modest
|
| Assets |
ETH, SOL, ADA, DOT, ATOM, XTZ and other PoS coins; USDC rewards
|
BTC, ETH, USDT, USDC and 250+ assets
|
| Lock-up / unbonding |
Protocol unbonding applies (ETH exit queue, ~days-weeks); cbETH available as liquid alternative
|
Flexible (1-day) or fixed 1-3 months
|
| Custody |
Staked assets delegated to validators, not lent out; NYDFS-regulated custody; public-company disclosures; takes a commission on rewards
|
Publishes third-party PoR audits; Earn deploys assets (counterparty risk)
|
| Liquid-staking token |
cbETH (Coinbase Wrapped Staked ETH)
|
None (CeFi)
|
| Payout frequency |
Per-asset schedule (ETH ~ daily accrual)
|
Weekly
|
| US access |
Yes (staking restricted in some US states)
|
Partial, Crypto.com operates in the US but Earn/rewards availability varies by state/product
|