YieldCompare · head to head
Bitfinex vs Poloniex
Asset-by-asset comparison of rates and risk profiles
Short answer
Poloniex is the safer of the two: it passes 3 of our five public safety checks, while Bitfinex passes 2.
On rates, the highest advertised APY is 18.1 % at Bitfinex and 6.0 % at Poloniex. 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 → 
Poloniex
Safety grade C
5 checks ✗ ✓ ✓ ✗ ✓
USDT 2.0 %
BTC 0.01 %
ETH 1.0 %
Top product ATOM · 6.0 %
Products tracked 42
Coins tracked 42
Jurisdiction Panama (governing law of Poloniex's user agreement, revised 1 April 2026)
Founded 2014
Min deposit $0
Open Poloniex → Coin by coin
Shared coins, side by side
| Asset | Bitfinex | Poloniex | Winner |
|---|---|---|---|
| XLM | 18.1 % | 0.01 % | ★ Bitfinex |
| ETC | 16.8 % | 0.01 % | ★ Bitfinex |
| AVAX | 14.6 % | 0.25 % | ★ Bitfinex |
| DOT | 9.72 % | 4.5 % | ★ Bitfinex |
| USDT | 8.89 % | 2.0 % | ★ Bitfinex |
| FIL | 7.31 % | 0.4 % | ★ Bitfinex |
| ADA | 7.23 % | 1.0 % | ★ Bitfinex |
| BCH | 7.0 % | 0.01 % | ★ Bitfinex |
| SOL | 3.69 % | 3.0 % | ★ Bitfinex |
| SHIB | 3.65 % | 0.01 % | ★ Bitfinex |
| XMR | 3.61 % | 0.01 % | ★ Bitfinex |
| DASH | 3.28 % | 0.5 % | ★ Bitfinex |
| ZEC | 2.87 % | 0.1 % | ★ Bitfinex |
| LINK | 1.25 % | 0.25 % | ★ Bitfinex |
| ETH | 1.19 % | 1.0 % | ★ Bitfinex |
| IOTA | 11 % | — | ★ Bitfinex |
| ATOM | — | 6.0 % | ★ Poloniex |
| XAUT | 5.44 % | — | ★ Bitfinex |
| SUI | 5.0 % | — | ★ Bitfinex |
| AXS | — | 5.0 % | ★ Poloniex |
| UNI | 4.01 % | — | ★ Bitfinex |
| USDD | — | 4.0 % | ★ Poloniex |
| HTX | — | 4.0 % | ★ Poloniex |
| USDC | — | 3.0 % | ★ Poloniex |
| TRX | — | 3.0 % | ★ Poloniex |
| XTZ | — | 1.2 % | ★ Poloniex |
| TUSD | — | 1.0 % | ★ Poloniex |
| A | — | 1.0 % | ★ Poloniex |
| POL | — | 1.0 % | ★ Poloniex |
| BSV | — | 1.0 % | ★ Poloniex |
| NEAR | — | 1.0 % | ★ Poloniex |
| NFT | — | 1.0 % | ★ Poloniex |
| BTT | — | 1.0 % | ★ Poloniex |
| FLR | — | 1.0 % | ★ Poloniex |
| LPT | — | 0.8 % | ★ Poloniex |
| FLOKI | — | 0.5 % | ★ Poloniex |
| JST | — | 0.5 % | ★ Poloniex |
| LTC | — | 0.25 % | ★ Poloniex |
| PEPE | — | 0.1 % | ★ Poloniex |
| WIN | — | 0.1 % | ★ Poloniex |
| XEC | — | 0.02 % | ★ Poloniex |
| LUNC | — | 0.02 % | ★ Poloniex |
| BTC | — | 0.01 % | ★ Poloniex |
| DOGE | — | 0.01 % | ★ Poloniex |
| XRP | — | 0.01 % | ★ Poloniex |
| BNB | — | 0.01 % | ★ Poloniex |
Safety — check by check
| Check | D Bitfinex | C Poloniex |
|---|---|---|
| Regulation | ✗ | ✗ |
| Proof-of-Reserves | ✗ | ✓ |
| Flexible withdrawal | ✓ | ✓ |
| Insurance Fund | ✗ | ✗ |
| Track record (2+ years incident-free) | ✓ | ✓ |
| Score | 2/5 · D | 3/5 · C |
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.