| Risk grade |
A
|
AA
|
| APY |
Flexible Simple Earn ~1-5%, locked/promotional higher; ETH staking (WBETH/BETH) ~3% APR (directional)
|
rETH ~3.2% APR (ETH rewards net of ~14% node commission); directional
|
| Base vs max rate |
Notable max-vs-base gap: locked + promotional 'bonus tier' rates far exceed flexible base
|
No promo; protocol rate
|
| Assets |
BTC, ETH, USDT, USDC and 300+ assets; on-chain staking for many PoS coins
|
ETH (rETH)
|
| Lock-up / unbonding |
Flexible (instant) or locked (7-120 days); ETH staking via BETH/WBETH liquid tokens
|
No lockup, rETH is liquid; burn-to-ETH subject to pool liquidity / exit queue
|
| Custody |
Publishes Merkle-tree PoR; Simple Earn products deploy user assets (counterparty risk); very large balance sheet but opaque
|
On-chain, non-custodial; more decentralized node set than Lido; risks are smart-contract and validator slashing
|
| Liquid-staking token |
WBETH / BETH (ETH staking)
|
rETH
|
| Payout frequency |
Daily
|
Continuous (rETH appreciates vs ETH)
|
| US access |
No (Binance.com); Binance.US is a separate, more limited entity
|
Yes (permissionless)
|