| Risk grade |
BB
|
AA
|
| APY |
Flexible savings low single digits; fixed/promo and dual-asset/liquidity-mining much higher with added risk (directional)
|
rETH ~3.2% APR (ETH rewards net of ~14% node commission); directional
|
| Base vs max rate |
Large gap; promotional and structured 'max' rates dominate marketing
|
No promo; protocol rate
|
| Assets |
BTC, ETH, USDT, USDC, SOL and major assets
|
ETH (rETH)
|
| Lock-up / unbonding |
Flexible or fixed-term; on-chain unbonding applies
|
No lockup, rETH is liquid; burn-to-ETH subject to pool liquidity / exit queue
|
| Custody |
Post-hack PoR (Hacken) shows >100% collateral on key assets; Earn products deploy assets
|
On-chain, non-custodial; more decentralized node set than Lido; risks are smart-contract and validator slashing
|
| Liquid-staking token |
-
|
rETH
|
| Payout frequency |
Daily
|
Continuous (rETH appreciates vs ETH)
|
| US access |
|
Yes (permissionless)
|