Yield
KuCoin
KuCoin is a large, deep-liquidity exchange with a strong proof-of-reserves record — but its regulatory standing is the weak point after a US ban and a DOJ settlement. Its Simple Earn flexible savings are easy to use, though rates…
Why this grade
- ✗ Regulation
Permanently barred from the US (a 2026 CFTC order following a $297M DOJ settlement) and restricted for new clients in parts of the EU; registered in Seychelles with no major-market retail licence. Source →
- ✓ Proof-of-Reserves
Monthly Hacken proof-of-reserves for 32+ consecutive months, with recent coverage around BTC 115%, ETH 120% and USDT 125%. Source →
- ✓ Flexible withdrawal
Simple Earn flexible savings can be redeemed at any time, with rewards accruing daily. Source →
- ✗ Insurance Fund
A safeguard reserve is referenced, but its size is not publicly disclosed. Source →
- ✗ Track record (2+ years incident-free)
Founded 2017. A 2020 hack drained around $281M (users were reimbursed), and the 2025 DOJ settlement plus the 2026 US ban weigh on its record. Source →
Incidents we count
Known incidents
1- September 2020 A hot-wallet breach drained around $281M across many tokens. KuCoin recovered or reimbursed the bulk of it and made affected users whole. Source →
All KuCoin products
Yield products
as of Jul 17, 2026What would KuCoin 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.
KuCoin review: what this platform is
KuCoin is a large, deep-liquidity exchange with a strong proof-of-reserves record — but its regulatory standing is the weak point after a US ban and a DOJ settlement. Its Simple Earn flexible savings are easy to use, though rates are not shown publicly.
How Earn works on KuCoin
Simple Earn offers flexible savings on stablecoins, BTC and ETH. Rates are market-driven and only shown after login, so the figures here are conservative indicative estimates, not a guaranteed base rate.
How to start on KuCoin, step by step
- 01Create and verify a KuCoin account (where available in your country).
- 02Deposit the asset and move it into Simple Earn (Flexible).
Should you park money here?
- +Strong, consistent proof-of-reserves (Hacken, 32+ months).
- +Deep liquidity and a wide range of earn assets.
- −Permanently banned in the US, with a 2025 DOJ settlement — a real regulatory red flag.
- −A 2020 hack in its history, and earn rates are not transparent (login-only).
Compare KuCoin with others
Asset-by-asset rates and risk grades