YieldCompare · head to head
Bitfinex vs Gemini
Asset-by-asset comparison of rates and risk profiles
Short answer
Gemini is the safer of the two: it passes 4 of our five public safety checks, while Bitfinex passes 2.
On rates, the highest advertised APY is 18.1 % at Bitfinex and 7.0 % at Gemini. Base rates only, no promo tiers.
Bitfinex
Safety grade D
5 checks ✗ ✗ ✓ ✗ ✓
USDT 8.89 %
BTC —
ETH 1.19 %
Top product XLM · 18.1 %
Products tracked 19
Coins tracked 19
Jurisdiction British Virgin Islands
Founded 2012
Min deposit $1
Open Bitfinex → 
Gemini
Safety grade B
5 checks ✓ ✓ ✓ ✗ ✓
USDT —
BTC —
ETH 2.0 %
Top product MON · 7.0 %
Products tracked 4
Coins tracked 4
Jurisdiction USA (New York Trust Company, NYDFS)
Founded 2014
Min deposit $1
Open Gemini → Coin by coin
Shared coins, side by side
| Asset | Bitfinex | Gemini | Winner |
|---|---|---|---|
| SOL | 3.69 % | 4.0 % | ★ Gemini |
| ETH | 1.19 % | 2.0 % | ★ Gemini |
| XLM | 18.1 % | — | ★ Bitfinex |
| ETC | 16.8 % | — | ★ Bitfinex |
| AVAX | 14.6 % | — | ★ Bitfinex |
| IOTA | 11 % | — | ★ Bitfinex |
| DOT | 9.72 % | — | ★ Bitfinex |
| USDT | 8.89 % | — | ★ Bitfinex |
| FIL | 7.31 % | — | ★ Bitfinex |
| ADA | 7.23 % | — | ★ Bitfinex |
| BCH | 7.0 % | — | ★ Bitfinex |
| MON | — | 7.0 % | ★ Gemini |
| XAUT | 5.44 % | — | ★ Bitfinex |
| SUI | 5.0 % | — | ★ Bitfinex |
| UNI | 4.01 % | — | ★ Bitfinex |
| SHIB | 3.65 % | — | ★ Bitfinex |
| XMR | 3.61 % | — | ★ Bitfinex |
| DASH | 3.28 % | — | ★ Bitfinex |
| ZEC | 2.87 % | — | ★ Bitfinex |
| HYPE | — | 2.1 % | ★ Gemini |
| LINK | 1.25 % | — | ★ Bitfinex |
Safety — check by check
| Check | D Bitfinex | B Gemini |
|---|---|---|
| Regulation | ✗ | ✓ |
| Proof-of-Reserves | ✗ | ✓ |
| Flexible withdrawal | ✓ | ✓ |
| Insurance Fund | ✗ | ✗ |
| Track record (2+ years incident-free) | ✓ | ✓ |
| Score | 2/5 · D | 4/5 · B |
The five public criteria behind each platform's grade. Each ✓ is one point — more points, safer grade. A highlighted ✓ is where one platform wins the criterion outright.