Yield
CoinW
Is CoinW safe? It scores C on our five safety checks, passing 3 of 5 — Proof-of-Reserves, Flexible withdrawal, Track record (2+ years incident-free); not passed: Regulation, Insurance Fund. Every check below cites the evidence behind it and links its source. See how it ranks against the other 44 venues we grade →
Why this grade
- ✗
Regulation
No licence from a financial regulator to hold client funds. CoinW's Legal Statement is issued by COINW, a private limited company incorporated in the Union of Comoros (Anjouan); its other registrations — a US FinCEN money-services filing among them — are anti-money-laundering registrations, not custody licences. In August 2025 the Philippine SEC named CoinW among crypto platforms operating there without registration. It does not serve the US, the UK, Canada, the UAE, Singapore, Japan, Hong Kong or mainland China, among others. Source 1 → Source 2 →
- ✓
Proof-of-Reserves
CoinW publishes a Merkle-tree proof of reserves with a tool to check your own balance. The 24 September 2026 snapshot covers 3.59 million users and shows a USDT reserve ratio of 109.65%. It covers USDT only and is self-published; no auditor is named. Source →
- ✓
Flexible withdrawal
Crypto Savings flexible products can be redeemed at any time, with no lock-up. Source →
- ✗
Insurance Fund
No fund covering hacks or the loss of client funds. CoinW's protection programme covers futures liquidation losses — up to 500 USDT per user claim — not custody. Source →
- ✓
Track record (2+ years incident-free)
Operating since 2017 with no confirmed hack, platform-wide withdrawal freeze or loss of client funds, so it passes our two-year rule. An October 2023 alert about $13M of outflows was raised by Cyvers and disputed by CoinW as routine cold-wallet moves; we found no confirmation of a loss. Reports in 2026 of large withdrawals held for security review concern individual accounts, not the platform. Source 1 → Source 2 → Source 3 →
Incidents we count
Known incidents
No known incidents in the past 2 years
All CoinW products
Yield products
as of Oct 18, 2026What would CoinW pay you?
How much will you earn?
Method: monthly compounding (1 + APR/12)ⁿ, where APR is the exchange's stated rate. The realized 12-month return is slightly higher due to reinvestment. Rates may change. Not financial advice.
How yields have moved
Source: daily snapshots via exchange API · accumulating since YieldScope launch
This is not an affiliate link. Price for you doesn't change.
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Frequently asked questions
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Show this grade on your site
CoinW passes 3 of 5 of our safety checks. If you run CoinW, you can show the grade with this badge — it links to this page and updates itself whenever the grade changes, up or down. Free and without sign-up; we never sell or adjust grades.
Do you work at CoinW? The grade above is ours and is not for sale, but the right of reply is. Buy a page and write your own side →