| Risk grade |
BBB
|
AA
|
| APY |
Flexible ~1-4%, fixed-term and CRO-locked tiers higher (directional)
|
ETH ~3-4% APR, SOL ~5-6%, DOT/ATOM higher (directional, net of Kraken commission)
|
| Base vs max rate |
Higher rates require CRO stake + fixed lock; flexible base is modest
|
Rates net-of-commission; minimal promo inflation
|
| Assets |
BTC, ETH, USDT, USDC and 250+ assets
|
ETH, SOL, DOT, ADA, ATOM, KSM and ~15+ PoS assets; Auto Earn opt-in
|
| Lock-up / unbonding |
Flexible (1-day) or fixed 1-3 months
|
Flexible (bonded) or protocol-locked options; ETH exit queue applies
|
| Custody |
Publishes third-party PoR audits; Earn deploys assets (counterparty risk)
|
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
|
| Liquid-staking token |
None (CeFi)
|
None (bonded/flexible model)
|
| Payout frequency |
Weekly
|
Weekly / per-asset
|
| US access |
Partial, Crypto.com operates in the US but Earn/rewards availability varies by state/product
|
Yes (Kraken Earn availability varies by product/state after 2023 settlement)
|