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Platform review / crypto
Safety grade
B
4 of 5 criteria passed
🟡 Medium risk
Verified Jul 17, 2026 Auto-sync
Jurisdiction Decentralized (Lido DAO) Founded 2020 Minimum Insurance Fund Yield products 1
The five checks

Why this grade

Is Lido safe? →
5 criteria · check each one
  • Regulation

    Decentralized protocol, not a licensed entity — there is no regulator or custodian to appeal to. Legitimacy rests on audits and on-chain transparency instead of regulation. Source →

  • Proof-of-Reserves

    Fully on-chain. Staked ETH and every validator position are publicly verifiable; an oracle reports balances every 24 hours. Source →

  • Flexible withdrawal

    stETH is the most liquid LST — exit instantly on the open market, or unstake natively via the withdrawal queue (typically 1–5 days). Source →

  • Insurance Fund

    Internal slashing insurance fund (protocol fees held in stETH), with optional external cover via Nexus Mutual / Unslashed. Source →

  • Track record (2+ years incident-free)

    No smart-contract exploit since 2020. The June 2022 stETH discount was a liquidity event (it recovered), and minor slashing incidents were covered — cumulative losses under 0.01% of TVL. Source →

Track record

Incidents we count

Known incidents

No known incidents in the past 2 years

Rates

All Lido products

Yield products

as of Jul 17, 2026
Product Rate Type Lock
ETH 2.2 % liquid staking Open Lido →
Calculator

What would Lido pay you?

How much will you earn?

ETH
Interest
+0.0222 ETH
Total
1.0222 ETH
On Lido:+0.0001per day·+0.0018per month·+0.0222per year

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.

Rate history

How yields have moved

Source: daily snapshots via exchange API · accumulating since YieldScope launch

Open account on Lido →

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Frequently asked questions

Is Lido safe?
In our assessment Lido has a risk grade of B: it passes 4 of 5 reliability criteria — regulation, proof-of-reserves, insurance fund, flexible withdrawals and track record. Jurisdiction: Decentralized (Lido DAO), operating since 2020. The grade is a guide, not a guarantee; the decision is always yours.
What are the rates on Lido?
The current top rate on Lido is around 2.2 % APY (per our data, updated regularly). 1 assets are available: stablecoins, BTC, ETH and more. Exact rates, product type and terms are in the table above.
Can I withdraw quickly from Lido?
Yes. Lido offers flexible products with no lock period, so you can withdraw at any time. Some fixed-term products have an explicit lock period, shown in the table.
What is the minimum deposit on Lido?
The minimum deposit is around $0. Note: the platform isn't available in every country — check the regional restrictions above.