YieldCompare · head to head
Bitfinex vs Toobit
Asset-by-asset comparison of rates and risk profiles
Short answer
Toobit 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 18.2 % at Bitfinex and 12 % at Toobit. Base rates only, no promo tiers.
Bitfinex
Safety grade D
5 checks ✗ ✗ ✓ ✗ ✓
USDT 7.55 %
BTC —
ETH —
Top product XLM · 18.2 %
Products tracked 16
Coins tracked 16
Jurisdiction British Virgin Islands
Founded 2012
Min deposit $1
Open Bitfinex → 
Toobit
Safety grade C
5 checks ✗ ✓ ✓ ✗ ✓
USDT 3.1 %
BTC 0.15 %
ETH 1.5 %
Top product KITE · 12 %
Products tracked 41
Coins tracked 41
Jurisdiction Cayman Islands; EU clients contract with Elyndret Sp. z o.o. (Poland)
Founded 2022
Min deposit $0
Open Toobit → Coin by coin
Shared coins, side by side
| Asset | Bitfinex | Toobit | Winner |
|---|---|---|---|
| ETC | 17.1 % | 0.35 % | ★ Bitfinex |
| AVAX | 16.4 % | 2.0 % | ★ Bitfinex |
| USDT | 7.55 % | 3.1 % | ★ Bitfinex |
| ADA | 7.23 % | 2.0 % | ★ Bitfinex |
| XAUT | 5.44 % | 2.0 % | ★ Bitfinex |
| SUI | 5.0 % | 1.2 % | ★ Bitfinex |
| UNI | 4.62 % | 1.0 % | ★ Bitfinex |
| SOL | 3.69 % | 3.0 % | ★ Bitfinex |
| SHIB | 3.65 % | 0.2 % | ★ Bitfinex |
| LINK | 1.87 % | 0.4 % | ★ Bitfinex |
| XLM | 18.2 % | — | ★ Bitfinex |
| KITE | — | 12 % | ★ Toobit |
| FIL | 7.31 % | — | ★ Bitfinex |
| BCH | 7.0 % | — | ★ Bitfinex |
| ZAMA | — | 5.0 % | ★ Toobit |
| DASH | 4.49 % | — | ★ Bitfinex |
| TRUMP | — | 4.0 % | ★ Toobit |
| TRX | — | 4.0 % | ★ Toobit |
| ZEC | 3.28 % | — | ★ Bitfinex |
| ATOM | — | 3.0 % | ★ Toobit |
| BONK | — | 3.0 % | ★ Toobit |
| CAKE | — | 3.0 % | ★ Toobit |
| COAI | — | 3.0 % | ★ Toobit |
| NEAR | — | 3.0 % | ★ Toobit |
| XMR | 2.92 % | — | ★ Bitfinex |
| USDC | — | 2.5 % | ★ Toobit |
| APT | — | 2.2 % | ★ Toobit |
| CRV | — | 2.1 % | ★ Toobit |
| DOT | — | 2.0 % | ★ Toobit |
| POL | — | 2.0 % | ★ Toobit |
| ETH | — | 1.5 % | ★ Toobit |
| GRAM | — | 1.5 % | ★ Toobit |
| WLFI | — | 1.5 % | ★ Toobit |
| XPL | — | 1.5 % | ★ Toobit |
| ASTER | — | 1.1 % | ★ Toobit |
| LTC | — | 1.1 % | ★ Toobit |
| BNB | — | 1.0 % | ★ Toobit |
| PAXG | — | 1.0 % | ★ Toobit |
| HBAR | — | 0.6 % | ★ Toobit |
| OP | — | 0.6 % | ★ Toobit |
| SAND | — | 0.6 % | ★ Toobit |
| DOGE | — | 0.5 % | ★ Toobit |
| ONDO | — | 0.5 % | ★ Toobit |
| PEPE | — | 0.5 % | ★ Toobit |
| XRP | — | 0.5 % | ★ Toobit |
| ARB | — | 0.26 % | ★ Toobit |
| BTC | — | 0.15 % | ★ Toobit |
Safety — check by check
| Check | D Bitfinex | C Toobit |
|---|---|---|
| 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.