Compare Crypto Earn and Staking Platforms

Aave

• • APY: USDC/USDT supply ~3.5-7% variable (utilization-driven); ETH lower; directional and floats every block
• • Lock-up / unbonding: No lockup, withdraw anytime subject to available liquidity
• • Custody: No custodian; overcollateralized lending, on-chain transparent; risks are smart-contract exploit, oracle failure, and bad-debt/liquidation cascades

Binance Earn

• • APY: Flexible Simple Earn ~1-5%, locked/promotional higher; ETH staking (WBETH/BETH) ~3% APR (directional)
• • Lock-up / unbonding: Flexible (instant) or locked (7-120 days); ETH staking via BETH/WBETH liquid tokens
• • Custody: Publishes Merkle-tree PoR; Simple Earn products deploy user assets (counterparty risk); very large balance sheet but opaque

Bybit Earn

• • APY: Flexible savings low single digits; fixed/promo and dual-asset/liquidity-mining much higher with added risk (directional)
• • Lock-up / unbonding: Flexible or fixed-term; on-chain unbonding applies
• • Custody: Post-hack PoR (Hacken) shows >100% collateral on key assets; Earn products deploy assets

Celsius / BlockFi / Voyager (collapsed)

Coinbase Staking & USDC Rewards

• • APY: ETH staking ~2.5-3% APR (net of Coinbase ~35% commission); USDC rewards ~4% (directional); SOL, ADA, DOT etc. vary
• • Lock-up / unbonding: Protocol unbonding applies (ETH exit queue, ~days-weeks); cbETH available as liquid alternative
• • Custody: Staked assets delegated to validators, not lent out; NYDFS-regulated custody; public-company disclosures; takes a commission on rewards

Crypto.com Earn

• • APY: Flexible ~1-4%, fixed-term and CRO-locked tiers higher (directional)
• • Lock-up / unbonding: Flexible (1-day) or fixed 1-3 months
• • Custody: Publishes third-party PoR audits; Earn deploys assets (counterparty risk)

Ethena (sUSDe)

• • Custody: Custodial

Jito

• • APY: jitoSOL ~7-8%+ APR (base SOL staking + MEV tips; directional)
• • Lock-up / unbonding: jitoSOL liquid (no lockup); unstake via market or epoch delay
• • Custody: Non-custodial, on-chain; risks are smart-contract, Solana network, and MEV-yield variability

Kraken Staking

• • APY: ETH ~3-4% APR, SOL ~5-6%, DOT/ATOM higher (directional, net of Kraken commission)
• • Lock-up / unbonding: Flexible (bonded) or protocol-locked options; ETH exit queue applies
• • Custody: 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

KuCoin Earn

• • APY: Flexible savings low single digits; staking and promo products higher (directional)
• • Lock-up / unbonding: Flexible or fixed-term; staking unbonding per-chain
• • Custody: Publishes Merkle-tree PoR; Earn deploys assets

Ledn

Lido

• • APY: stETH ~3% APR (ETH consensus + execution rewards, net of Lido's 10% protocol fee); directional
• • 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

Marinade

Morpho

Nexo

• • APY: Base ~4-8% APR on stablecoins, up to ~12-16% on top loyalty tier (directional); labeled APR, compounds daily
• • Lock-up / unbonding: Flexible (instant) or fixed-term (1-3 months) for higher rate
• • Custody: Real-time attestation dashboard (Armanino historically; now other auditors); assets ARE rehypothecated to generate yield, this is counterparty risk

OKX Earn

• • APY: Flexible simple earn low single digits; on-chain staking (ETH, SOL, ATOM) mid single-to-double digits; DeFi/structured higher (directional)
• • Lock-up / unbonding: Flexible or fixed-term; on-chain unbonding applies
• • Custody: Publishes Merkle-tree PoR monthly; Earn products deploy assets to lending/DeFi (counterparty + protocol risk)

Pendle Finance

• • APY: Highly variable: fixed yields ~5-15%+ (PT) and leveraged/speculative yields (YT) can be much higher or negative; directional, product-specific
• • Lock-up / unbonding: PT/YT have fixed maturities; positions tradable before maturity via AMM
• • Custody: Non-custodial, on-chain; risks are smart-contract, underlying-asset (LST depeg), and complexity/mispricing, this is an advanced product

Rocket Pool

• • APY: rETH ~3.2% APR (ETH rewards net of ~14% node commission); directional
• • Lock-up / unbonding: No lockup, rETH is liquid; burn-to-ETH subject to pool liquidity / exit queue
• • Custody: On-chain, non-custodial; more decentralized node set than Lido; risks are smart-contract and validator slashing

Sky (sUSDS)

Uphold

• • Custody: Custodial

YouHodler

• • APY: Up to ~12-15% APY on select stablecoins (directional, promotional); base rates lower
• • Lock-up / unbonding: Flexible savings; fixed products for higher yield
• • Custody: No standardized PoR; assets rehypothecated; smaller balance sheet than tier-1 exchanges

ether.fi

• • APY: eETH base ETH staking ~3% + restaking/AVS rewards + points (variable, directional); effective yield uncertain and partly points-denominated
• • Lock-up / unbonding: eETH/weETH liquid; unstake subject to withdrawal queue
• • Custody: Non-custodial; ADDED risk layer: EigenLayer restaking exposes stake to AVS slashing conditions beyond base ETH slashing