| Risk grade |
BB
|
BBB
|
| APY |
Flexible savings low single digits; fixed/promo and dual-asset/liquidity-mining much higher with added risk (directional)
|
Flexible ~1-4%, fixed-term and CRO-locked tiers higher (directional)
|
| Base vs max rate |
Large gap; promotional and structured 'max' rates dominate marketing
|
Higher rates require CRO stake + fixed lock; flexible base is modest
|
| Assets |
BTC, ETH, USDT, USDC, SOL and major assets
|
BTC, ETH, USDT, USDC and 250+ assets
|
| Lock-up / unbonding |
Flexible or fixed-term; on-chain unbonding applies
|
Flexible (1-day) or fixed 1-3 months
|
| Custody |
Post-hack PoR (Hacken) shows >100% collateral on key assets; Earn products deploy assets
|
Publishes third-party PoR audits; Earn deploys assets (counterparty risk)
|
| Liquid-staking token |
-
|
None (CeFi)
|
| Payout frequency |
Daily
|
Weekly
|
| US access |
|
Partial, Crypto.com operates in the US but Earn/rewards availability varies by state/product
|