| Risk grade |
AA
|
AA
|
| APY |
ETH staking ~2.5-3% APR (net of Coinbase ~35% commission); USDC rewards ~4% (directional); SOL, ADA, DOT etc. vary
|
ETH ~3-4% APR, SOL ~5-6%, DOT/ATOM higher (directional, net of Kraken commission)
|
| Base vs max rate |
Rates are net-of-commission; little promo inflation; USDC rewards are a marketing rate not staking
|
Rates net-of-commission; minimal promo inflation
|
| Assets |
ETH, SOL, ADA, DOT, ATOM, XTZ and other PoS coins; USDC rewards
|
ETH, SOL, DOT, ADA, ATOM, KSM and ~15+ PoS assets; Auto Earn opt-in
|
| Lock-up / unbonding |
Protocol unbonding applies (ETH exit queue, ~days-weeks); cbETH available as liquid alternative
|
Flexible (bonded) or protocol-locked options; ETH exit queue applies
|
| Custody |
Staked assets delegated to validators, not lent out; NYDFS-regulated custody; public-company disclosures; takes a commission on rewards
|
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 |
cbETH (Coinbase Wrapped Staked ETH)
|
None (bonded/flexible model)
|
| Payout frequency |
Per-asset schedule (ETH ~ daily accrual)
|
Weekly / per-asset
|
| US access |
Yes (staking restricted in some US states)
|
Yes (Kraken Earn availability varies by product/state after 2023 settlement)
|