YieldCompare · head to head
Bitfinex vs Kraken Earn
Asset-by-asset comparison of rates and risk profiles
Short answer
Kraken Earn 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 11.7 % at Kraken Earn. 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 → 
Kraken Earn
Safety grade B
5 checks ✓ ✓ ✓ ✗ ✓
USDT 4.0 %
BTC 0.1 %
ETH 1.35 %
Top product MINA · 11.7 %
Products tracked 33
Coins tracked 33
Jurisdiction USA (FinCEN MSB), UK (FCA), EU (MiFID)
Founded 2011
Min deposit $1
Open Kraken Earn → Coin by coin
Shared coins, side by side
| Asset | Bitfinex | Kraken Earn | Winner |
|---|---|---|---|
| AVAX | 14.6 % | 2.62 % | ★ Bitfinex |
| DOT | 9.72 % | 1.37 % | ★ Bitfinex |
| USDT | 8.89 % | 4.0 % | ★ Bitfinex |
| ADA | 7.23 % | 2.57 % | ★ Bitfinex |
| SUI | 5.0 % | 0.75 % | ★ Bitfinex |
| SOL | 3.69 % | 2.39 % | ★ Bitfinex |
| ETH | 1.19 % | 1.35 % | ★ Kraken Earn |
| LINK | 1.25 % | 0.1 % | ★ Bitfinex |
| XLM | 18.1 % | — | ★ Bitfinex |
| ETC | 16.8 % | — | ★ Bitfinex |
| MINA | — | 11.7 % | ★ Kraken Earn |
| IOTA | 11 % | — | ★ Bitfinex |
| ATOM | — | 10.2 % | ★ Kraken Earn |
| DYM | — | 8.18 % | ★ Kraken Earn |
| KSM | — | 8.05 % | ★ Kraken Earn |
| FIL | 7.31 % | — | ★ Bitfinex |
| FLOW | — | 7.1 % | ★ Kraken Earn |
| BCH | 7.0 % | — | ★ Bitfinex |
| SCRT | — | 5.74 % | ★ Kraken Earn |
| MON | — | 5.72 % | ★ Kraken Earn |
| XAUT | 5.44 % | — | ★ Bitfinex |
| TAO | — | 4.67 % | ★ Kraken Earn |
| USDG | — | 4.25 % | ★ Kraken Earn |
| KAVA | — | 4.09 % | ★ Kraken Earn |
| INJ | — | 4.03 % | ★ Kraken Earn |
| UNI | 4.01 % | — | ★ Bitfinex |
| USDC | — | 4.0 % | ★ Kraken Earn |
| XTZ | — | 3.98 % | ★ Kraken Earn |
| SHIB | 3.65 % | — | ★ Bitfinex |
| XMR | 3.61 % | — | ★ Bitfinex |
| GRT | — | 3.6 % | ★ Kraken Earn |
| DASH | 3.28 % | — | ★ Bitfinex |
| ZEC | 2.87 % | — | ★ Bitfinex |
| POL | — | 2.78 % | ★ Kraken Earn |
| NEAR | — | 2.6 % | ★ Kraken Earn |
| TIA | — | 2.49 % | ★ Kraken Earn |
| SEI | — | 2.05 % | ★ Kraken Earn |
| TRX | — | 1.81 % | ★ Kraken Earn |
| HYPE | — | 1.11 % | ★ Kraken Earn |
| BNB | — | 0.51 % | ★ Kraken Earn |
| XRP | — | 0.1 % | ★ Kraken Earn |
| DOGE | — | 0.1 % | ★ Kraken Earn |
| LTC | — | 0.1 % | ★ Kraken Earn |
| BTC | — | 0.1 % | ★ Kraken Earn |
Safety — check by check
| Check | D Bitfinex | B Kraken Earn |
|---|---|---|
| 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.