| Risk grade |
AA
|
BBB
|
| APY |
ETH staking ~2.5-3% APR (net of Coinbase ~35% commission); USDC rewards ~4% (directional); SOL, ADA, DOT etc. vary
|
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 |
Rates are net-of-commission; little promo inflation; USDC rewards are a marketing rate not staking
|
Simple Earn base low; Structured/DeFi 'max' rates carry protocol + market risk
|
| Assets |
ETH, SOL, ADA, DOT, ATOM, XTZ and other PoS coins; USDC rewards
|
BTC, ETH, USDT, USDC, SOL and 300+ assets
|
| Lock-up / unbonding |
Protocol unbonding applies (ETH exit queue, ~days-weeks); cbETH available as liquid alternative
|
Flexible or fixed-term; on-chain unbonding applies
|
| Custody |
Staked assets delegated to validators, not lent out; NYDFS-regulated custody; public-company disclosures; takes a commission on rewards
|
Publishes Merkle-tree PoR monthly; Earn products deploy assets to lending/DeFi (counterparty + protocol risk)
|
| Liquid-staking token |
cbETH (Coinbase Wrapped Staked ETH)
|
None (CeFi); OKX Wallet exposes third-party LSTs
|
| Payout frequency |
Per-asset schedule (ETH ~ daily accrual)
|
Daily
|
| US access |
Yes (staking restricted in some US states)
|
No (OKX restricted US retail; separate limited US entity)
|