| Risk grade |
BB
|
BB
|
| APY |
Flexible savings low single digits; fixed/promo and dual-asset/liquidity-mining much higher with added risk (directional)
|
Flexible savings low single digits; staking and promo products higher (directional)
|
| Base vs max rate |
Large gap; promotional and structured 'max' rates dominate marketing
|
Gap between flexible base and promo/locked max
|
| Assets |
BTC, ETH, USDT, USDC, SOL and major assets
|
BTC, ETH, USDT, USDC and 700+ assets
|
| Lock-up / unbonding |
Flexible or fixed-term; on-chain unbonding applies
|
Flexible or fixed-term; staking unbonding per-chain
|
| Custody |
Post-hack PoR (Hacken) shows >100% collateral on key assets; Earn products deploy assets
|
Publishes Merkle-tree PoR; Earn deploys assets
|
| Payout frequency |
Daily
|
Daily accrual
|
| US access |
|
No, KuCoin agreed to exit the US in 2025 DOJ resolution
|