| Risk grade |
AA
|
AA
|
| APY |
ETH staking ~2.5-3% APR (net of Coinbase ~35% commission); USDC rewards ~4% (directional); SOL, ADA, DOT etc. vary
|
rETH ~3.2% APR (ETH rewards net of ~14% node commission); directional
|
| Base vs max rate |
Rates are net-of-commission; little promo inflation; USDC rewards are a marketing rate not staking
|
No promo; protocol rate
|
| Assets |
ETH, SOL, ADA, DOT, ATOM, XTZ and other PoS coins; USDC rewards
|
ETH (rETH)
|
| Lock-up / unbonding |
Protocol unbonding applies (ETH exit queue, ~days-weeks); cbETH available as liquid alternative
|
No lockup, rETH is liquid; burn-to-ETH subject to pool liquidity / exit queue
|
| Custody |
Staked assets delegated to validators, not lent out; NYDFS-regulated custody; public-company disclosures; takes a commission on rewards
|
On-chain, non-custodial; more decentralized node set than Lido; risks are smart-contract and validator slashing
|
| Liquid-staking token |
cbETH (Coinbase Wrapped Staked ETH)
|
rETH
|
| Payout frequency |
Per-asset schedule (ETH ~ daily accrual)
|
Continuous (rETH appreciates vs ETH)
|
| US access |
Yes (staking restricted in some US states)
|
Yes (permissionless)
|