YieldCompare · head to head
Gemini vs Ledn
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 Ledn passes 2.
On rates, the highest advertised APY is 7.0 % at Gemini and 5.0 % at Ledn. Base rates only, no promo tiers.
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 → 
Ledn
Safety grade D
5 checks ✗ ✓ ✗ ✗ ✓
USDT 5.0 %
BTC —
ETH —
Top product USDT · 5.0 %
Products tracked 2
Coins tracked 2
Jurisdiction Cayman Islands
Founded 2018
Min deposit $10
Open Ledn → Safety — check by check
| Check | B Gemini | D Ledn |
|---|---|---|
| Regulation | ✓ | ✗ |
| Proof-of-Reserves | ✓ | ✓ |
| Flexible withdrawal | ✓ | ✗ |
| Insurance Fund | ✗ | ✗ |
| Track record (2+ years incident-free) | ✓ | ✓ |
| Score | 4/5 · B | 2/5 · D |
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.