YieldWhich crypto platform is actually safest?
Of the 45 venues we track, 4 pass all five of our public safety checks — Gate.io Earn, BingX Earn, Bitvavo Staking, Coinbase Earn. Every grade below is a count, not an opinion: five checks, one point each.
The trade-off is visible in the last column. The highest dollar yield on the board is 18 % at Lune.fi, which passes none of the five and grades F. The best yield from a venue passing four or more is 6.65 % at Gate.io Earn, grade A.
Regulation, proof of reserves, withdrawal terms, insurance fund and track record. Each check on each venue's own page cites the evidence and links its source, so the score can be re-derived rather than trusted.
| # | Venue | Grade | Passed | Regulation | Proof-of-Reserves | Flexible withdrawal | Insurance Fund | Track record (2+ years incident-free) | Best dollar rate |
|---|---|---|---|---|---|---|---|---|---|
| 1 |  Gate.io Earn Malta (MFSA) + Dubai VARA + Hong Kong + Italy + Bahamas | A | 5/5 | ✓ | ✓ | ✓ | ✓ | ✓ | 6.65 % |
| 2 |  BingX Earn British Virgin Islands | A | 5/5 | ✓ | ✓ | ✓ | ✓ | ✓ | 1.0 % |
| 3 |  Bitvavo Staking Netherlands (AFM, MiCA CASP) | A | 5/5 | ✓ | ✓ | ✓ | ✓ | ✓ | — |
| 4 |  Coinbase Earn USA (NASDAQ:COIN), Ireland (CB Europe) | A | 5/5 | ✓ | ✓ | ✓ | ✓ | ✓ | — |
| 5 |  Kraken Earn USA (FinCEN MSB), UK (FCA), EU (MiFID) | B | 4/5 | ✓ | ✓ | ✓ | ✗ | ✓ | 4.25 % |
| 6 |  Bitget Earn Seychelles + Dubai VARA + Lithuania | B | 4/5 | ✓ | ✓ | ✓ | ✓ | ✗ | 4.0 % |
| 7 |  OKX Earn Seychelles + Dubai VARA + Bahamas SCB | B | 4/5 | ✓ | ✓ | ✓ | ✓ | ✗ | 3.5 % |
| 8 |  Binance Earn International (Dubai VARA, Bahrain CBB) | B | 4/5 | ✗ | ✓ | ✓ | ✓ | ✓ | 3.47 % |
| 9 |  WhiteBIT Lithuania + Estonia VASP + EU MiCA (Austria) | B | 4/5 | ✓ | ✓ | ✓ | ✗ | ✓ | 2.06 % |
| 10 |  Bitstamp Luxembourg (MiCA) + UK FCA + US NYDFS BitLicense | B | 4/5 | ✓ | ✗ | ✓ | ✓ | ✓ | — |
| 11 |  Coinbase cbETH USA (Coinbase) | B | 4/5 | ✓ | ✓ | ✓ | ✗ | ✓ | — |
| 12 |  Gemini USA (New York Trust Company, NYDFS) | B | 4/5 | ✓ | ✓ | ✓ | ✗ | ✓ | — |
| 13 |  Lido Decentralized (Lido DAO) | B | 4/5 | ✗ | ✓ | ✓ | ✓ | ✓ | — |
| 14 |  Marinade Decentralized (BVI) | B | 4/5 | ✗ | ✓ | ✓ | ✓ | ✓ | — |
| 15 |  Nexo EU (Lithuania), Switzerland | B | 4/5 | ✗ | ✓ | ✓ | ✓ | ✓ | — |
| 16 |  Rocket Pool Decentralized | B | 4/5 | ✗ | ✓ | ✓ | ✓ | ✓ | — |
| 17 |  HTX Seychelles (Huobi Global S.A.) | C | 3/5 | ✗ | ✓ | ✓ | ✓ | ✗ | 5.0 % |
| 18 |  Poloniex Panama (governing law of Poloniex's user agreement, revised 1 April 2026) | C | 3/5 | ✗ | ✓ | ✓ | ✗ | ✓ | 4.0 % |
| 19 |  Toobit Cayman Islands; EU clients contract with Elyndret Sp. z o.o. (Poland) | C | 3/5 | ✗ | ✓ | ✓ | ✗ | ✓ | 3.1 % |
| 20 |  MEXC Earn Seychelles | C | 3/5 | ✗ | ✓ | ✓ | ✓ | ✗ | 3.0 % |
| 21 |  Bitunix Not stated by Bitunix; CoinGecko lists Saint Vincent and the Grenadines | C | 3/5 | ✗ | ✓ | ✓ | ✗ | ✓ | 2.39 % |
| 22 |  Backpack Exchange UAE (Dubai VARA), Cyprus (CySEC), USA (FinCEN MSB) | C | 3/5 | ✓ | ✓ | ✓ | ✗ | ✗ | 1.22 % |
| 23 |  Bybit Earn Dubai (VARA) | C | 3/5 | ✓ | ✗ | ✓ | ✓ | ✗ | 0.6 % |
| 24 |  CoinW Union of Comoros (issuer of CoinW's Legal Statement) | C | 3/5 | ✗ | ✓ | ✓ | ✗ | ✓ | 0.5 % |
| 25 |  BISON Germany (BaFin, MiCA CASP) | C | 3/5 | ✓ | ✗ | ✗ | ✓ | ✓ | — |
| 26 |  Bitpanda Staking Austria (FMA) + Germany (BaFin MiCA) + UK (FCA reg.) | C | 3/5 | ✓ | ✗ | ✓ | ✗ | ✓ | — |
| 27 |  Crypto.com Singapore (MAS) + EU MiCA (Malta) + UK FCA + US FinCEN MSB | C | 3/5 | ✓ | ✗ | ✓ | ✗ | ✓ | — |
| 28 |  Jito USA (Jito Foundation) | C | 3/5 | ✗ | ✓ | ✓ | ✗ | ✓ | — |
| 29 |  Mantle (mETH) Decentralized (Mantle) | C | 3/5 | ✗ | ✓ | ✓ | ✗ | ✓ | — |
| 30 |  Frax (sfrxETH) Decentralized (Frax) | C | 3/5 | ✗ | ✓ | ✓ | ✗ | ✓ | — |
| 31 |  StakeWise (osETH) Decentralized | C | 3/5 | ✗ | ✓ | ✓ | ✓ | ✗ | — |
| 32 |  Uphold USA (FinCEN MSB) + UK FCA + EU | C | 3/5 | ✓ | ✓ | ✓ | ✗ | ✗ | — |
| 33 |  Robinhood Crypto USA (FinCEN MSB, state MTLs) | D | 2/5 | ✓ | ✗ | ✗ | ✗ | ✓ | 7.0 % |
| 34 |  KuCoin Seychelles | D | 2/5 | ✗ | ✓ | ✓ | ✗ | ✗ | 6.0 % |
| 35 |  LBank British Virgin Islands (governing law of LBank's user agreement) | D | 2/5 | ✗ | ✗ | ✓ | ✗ | ✓ | 5.0 % |
| 36 |  Ledn Cayman Islands | D | 2/5 | ✗ | ✓ | ✗ | ✗ | ✓ | 5.0 % |
| 37 |  Nebeus Spain (Rintral Trading SL, Barcelona) | D | 2/5 | ✓ | ✗ | ✗ | ✗ | ✓ | 4.0 % |
| 38 |  Bitrue Singapore (Bitrue Singapore Pte. Ltd.) | D | 2/5 | ✗ | ✗ | ✓ | ✗ | ✓ | 3.0 % |
| 39 |  Bitfinex British Virgin Islands | D | 2/5 | ✗ | ✗ | ✓ | ✗ | ✓ | — |
| 40 |  CoinEx Earn Hong Kong (ViaBTC Group) | D | 2/5 | ✗ | ✓ | ✓ | ✗ | ✗ | — |
| 41 |  Lune.fi Seychelles (Lune International Holdings LTD, IBC 250439 — claimed by the venue, not publicly verifiable) | F | 1/5 | ✗ | ✗ | ✓ | ✗ | ✗ | 18 % |
| 42 |  EarnPark British Virgin Islands (EarnPark Limited) + UK LLP | F | 1/5 | ✗ | ✗ | ✓ | ✗ | ✗ | 7.0 % |
| 43 |  Telegram Wallet Panama (TG Wallet Inc., built by The Open Platform) | F | 1/5 | ✗ | ✗ | ✓ | ✗ | ✗ | 4.13 % |
| 44 |  CoinDepo Panama (CoinDepo CORP) | F | 0/5 | ✗ | ✗ | ✗ | ✗ | ✗ | 17 % |
| 45 |  YouHodler Switzerland (YouHodler SA, Lausanne; group co. Naumard Ltd, Cyprus) | F | 0/5 | ✗ | ✗ | ✗ | ✗ | ✗ | 12 % |
Base rates only — no promo tiers, no teaser headline numbers. A dash means we track no flexible dollar product at that venue, not that it pays nothing.
How each check is decided, and what would change a grade: read the methodology
Which venues publish proof of reserves? 30 of 45
These 30 venues out of the 45 we track publish a proof-of-reserves attestation. Each name links to the page where the check is scored and the source cited, so the grade can be re-derived rather than taken on trust.
- Gate.io Earn A 6.65 %
- BingX Earn A 1.0 %
- Bitvavo Staking A
- Coinbase Earn A
- Kraken Earn B 4.25 %
- Bitget Earn B 4.0 %
- OKX Earn B 3.5 %
- Binance Earn B 3.47 %
- WhiteBIT B 2.06 %
- Coinbase cbETH B
- Gemini B
- Lido B
- Marinade B
- Nexo B
- Rocket Pool B
- HTX C 5.0 %
- Poloniex C 4.0 %
- Toobit C 3.1 %
- MEXC Earn C 3.0 %
- Bitunix C 2.39 %
- Backpack Exchange C 1.22 %
- CoinW C 0.5 %
- Jito C
- Mantle (mETH) C
- Frax (sfrxETH) C
- StakeWise (osETH) C
- Uphold C
- KuCoin D 6.0 %
- Ledn D 5.0 %
- CoinEx Earn D
Safest place to earn on USDT and USDC
Ranked by safety first, not by rate. Every venue below passes at least four of the five checks, and the figure is the base withdraw-anytime stablecoin rate — no promo tiers, no lock-ups.
- Gate.io Earn A 6.65 %
- BingX Earn A 1.0 %
- Kraken Earn B 4.25 %
- Bitget Earn B 4.0 %
- OKX Earn B 3.5 %
- Binance Earn B 3.47 %
- WhiteBIT B 2.06 %
Rates are floating snapshots and change without notice. Not financial advice.