| Risk grade |
BB
|
BBB
|
| APY |
Flexible savings low single digits; fixed/promo and dual-asset/liquidity-mining much higher with added risk (directional)
|
Flexible simple earn low single digits; on-chain staking (ETH, SOL, ATOM) mid single-to-double digits; DeFi/structured higher (directional)
|
| Base vs max rate |
Large gap; promotional and structured 'max' rates dominate marketing
|
Simple Earn base low; Structured/DeFi 'max' rates carry protocol + market risk
|
| Assets |
BTC, ETH, USDT, USDC, SOL and major assets
|
BTC, ETH, USDT, USDC, SOL and 300+ assets
|
| Lock-up / unbonding |
Flexible or fixed-term; on-chain unbonding applies
|
Flexible or fixed-term; on-chain unbonding applies
|
| Custody |
Post-hack PoR (Hacken) shows >100% collateral on key assets; Earn products deploy assets
|
Publishes Merkle-tree PoR monthly; Earn products deploy assets to lending/DeFi (counterparty + protocol risk)
|
| Liquid-staking token |
-
|
None (CeFi); OKX Wallet exposes third-party LSTs
|
| Payout frequency |
Daily
|
Daily
|
| US access |
|
No (OKX restricted US retail; separate limited US entity)
|