Yield
Gemini
Gemini is among the most heavily regulated US exchanges. After winding down the old Genesis-backed Earn program (users were made whole), its yield product today is straightforward proof-of-stake staking — not stablecoin lending.
Why this grade
- ✓ Regulation
One of the most regulated US venues — a New York Trust Company under NYDFS charter since 2015, held to fiduciary and capital-reserve standards. Source →
- ✓ Proof-of-Reserves
Reserves are under NYDFS supervision and the GUSD stablecoin gets a monthly attestation by BPM LLP. Source →
- ✓ Flexible withdrawal
Staking has no platform lock-up — only the network's unbonding period (about 4 days for ETH) applies. Source →
- ✗ Insurance Fund
No separately disclosed insurance fund for staked assets; NYDFS instead requires excess capital reserves. Source →
- ✓ Track record (2+ years incident-free)
Founded 2014 by the Winklevoss twins. The Gemini Earn lending crisis (2022–23, via Genesis) ended with 100% of the ~$2.2B returned to users; no major exchange hack. Source →
Incidents we count
Known incidents
1- November 2022 Gemini Earn (a lending program run through Genesis) froze withdrawals after Genesis's collapse. Following bankruptcy proceedings, users recovered 100% of assets (~$2.2B); the SEC case was dismissed in 2026. Source →
All Gemini products
Yield products
as of Jul 17, 2026| Product | Rate | Type | Lock | |
|---|---|---|---|---|
| ETH | 3.0 % | staking | — | Open Gemini → |
| SOL | 6.0 % | staking | — | Open Gemini → |
What would Gemini 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.
Gemini review: what this platform is
Gemini is among the most heavily regulated US exchanges. After winding down the old Genesis-backed Earn program (users were made whole), its yield product today is straightforward proof-of-stake staking — not stablecoin lending.
How Earn works on Gemini
Staking is offered on ETH (~3%) and SOL (~6%), paid in the asset. There is no stablecoin or BTC yield product. Gemini's staking commission makes its net rate a touch lower than some larger rivals.
How to start on Gemini, step by step
- 01Open and verify a Gemini account.
- 02Deposit ETH or SOL, then enable staking from the asset's page.
Should you park money here?
- +Top-tier US regulation (NYDFS Trust charter) and fiduciary standards.
- +Strong track record — users were made 100% whole after the Earn/Genesis episode.
- −No stablecoin or BTC yield — only ETH/SOL staking.
- −Staking is mostly US/UK/EU only and the commission trims the net rate.
Compare Gemini with others
Asset-by-asset rates and risk grades