Provider comparison
Celsius / BlockFi / Voyager (collapsed) vs Lido: compare risk grade, apy, fees, regulation, and custody in one head-to-head table.
Once leading crypto earn platforms, Celsius, BlockFi, and Voyager collapsed due to risky lending and lack of …
Lido is a liquid staking platform that lets you stake Ethereum and other tokens while keeping your assets liq…
Risk grade
Celsius / BlockFi / Voyager (collapsed)
Lido
APY
Celsius / BlockFi / Voyager (collapsed)
Lido
Base vs max rate
Celsius / BlockFi / Voyager (collapsed)
Lido
Assets
Celsius / BlockFi / Voyager (collapsed)
Lido
Lock-up / unbonding
Celsius / BlockFi / Voyager (collapsed)
Lido
Custody
Celsius / BlockFi / Voyager (collapsed)
Lido
Liquid-staking token
Celsius / BlockFi / Voyager (collapsed)
Lido
Payout frequency
Celsius / BlockFi / Voyager (collapsed)
Lido
US access
Celsius / BlockFi / Voyager (collapsed)
Lido
| Feature | Celsius / BlockFi / Voyager (collapsed) | Lido |
|---|---|---|
| Risk grade | A | |
| APY | stETH ~3% APR (ETH consensus + execution rewards, net of Lido's 10% protocol fee); directional | |
| Base vs max rate | No promo; pure protocol rate minus 10% fee (split node operators/DAO) | |
| Assets | ETH (stETH/wstETH); previously SOL/MATIC support wound down | |
| Lock-up / unbonding | No lockup, stETH is liquid and tradable; direct withdrawals subject to ETH exit queue | |
| Custody | 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 rebase (stETH balance grows) | |
| US access | Yes (self-directed DeFi; front-end may geoblock, contract is permissionless) |
Celsius / BlockFi / Voyager (collapsed)
Once leading crypto earn platforms, Celsius, BlockFi, and Voyager collapsed due to risky lending and lack of transparency. This review examines what went wrong and how to choose safer earn products.
Lido
Lido is a liquid staking platform that lets you stake Ethereum and other tokens while keeping your assets liquid. It is ideal for users who want to earn staking rewards without locking up their funds.
Risk warning: Cryptocurrency is a volatile, high-risk asset class. Prices can fall as well as rise, and you could lose some or all of the money you put in. Custodial providers carry counterparty risk; self-custody puts key security entirely on you. This page is general information, not financial advice.
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