YieldWhich crypto platform is actually safest?
Of the 37 venues we track, 3 pass all five of our public safety checks — Bitget 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 17 % at CoinDepo, which passes none of the five and grades F. The best yield from a venue passing four or more is 5.5 % at Kraken Earn, grade B.
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 |  Bitget Earn Seychelles + Dubai VARA + Lithuania | A | 5/5 | ✓ | ✓ | ✓ | ✓ | ✓ | 5.0 % |
| 2 |  Bitvavo Staking Netherlands (AFM, MiCA CASP) | A | 5/5 | ✓ | ✓ | ✓ | ✓ | ✓ | 0.83 % |
| 3 |  Coinbase Earn USA (NASDAQ:COIN), Ireland (CB Europe) | A | 5/5 | ✓ | ✓ | ✓ | ✓ | ✓ | — |
| 4 |  Kraken Earn USA (FinCEN MSB), UK (FCA), EU (MiFID) | B | 4/5 | ✓ | ✓ | ✓ | ✗ | ✓ | 5.5 % |
| 5 |  Gate.io Earn Malta (MFSA) + Dubai VARA + Hong Kong + Italy + Bahamas | B | 4/5 | ✓ | ✓ | ✓ | ✓ | ✗ | 5.49 % |
| 6 |  OKX Earn Seychelles + Dubai VARA + Bahamas SCB | B | 4/5 | ✓ | ✓ | ✓ | ✓ | ✗ | 3.5 % |
| 7 |  WhiteBIT Lithuania + Estonia VASP + EU MiCA (Austria) | B | 4/5 | ✓ | ✓ | ✓ | ✗ | ✓ | 2.06 % |
| 8 |  BingX Earn British Virgin Islands | B | 4/5 | ✓ | ✓ | ✓ | ✓ | ✗ | 1.0 % |
| 9 |  Coinbase cbETH USA (Coinbase) | B | 4/5 | ✓ | ✓ | ✓ | ✗ | ✓ | — |
| 10 |  Crypto.com Singapore (MAS) + EU MiCA (Malta) + UK FCA + US FinCEN MSB | B | 4/5 | ✓ | ✗ | ✓ | ✓ | ✓ | — |
| 11 |  Gemini USA (New York Trust Company, NYDFS) | B | 4/5 | ✓ | ✓ | ✓ | ✗ | ✓ | — |
| 12 |  Lido Decentralized (Lido DAO) | B | 4/5 | ✗ | ✓ | ✓ | ✓ | ✓ | — |
| 13 |  Marinade Decentralized (BVI) | B | 4/5 | ✗ | ✓ | ✓ | ✓ | ✓ | — |
| 14 |  Rocket Pool Decentralized | B | 4/5 | ✗ | ✓ | ✓ | ✓ | ✓ | — |
| 15 |  Uphold USA (FinCEN MSB) + UK FCA + EU | B | 4/5 | ✓ | ✓ | ✓ | ✗ | ✓ | — |
| 16 |  MEXC Earn Seychelles | C | 3/5 | ✗ | ✓ | ✓ | ✓ | ✗ | 3.5 % |
| 17 |  Backpack Exchange UAE (Dubai VARA), Cyprus (CySEC), USA (FinCEN MSB) | C | 3/5 | ✓ | ✓ | ✓ | ✗ | ✗ | 2.92 % |
| 18 |  Binance Earn International (Dubai VARA, Bahrain CBB) | C | 3/5 | ✗ | ✓ | ✓ | ✓ | ✗ | 2.76 % |
| 19 |  Bybit Earn Dubai (VARA) | C | 3/5 | ✓ | ✗ | ✓ | ✓ | ✗ | 1.71 % |
| 20 |  BISON Germany (BaFin, MiCA CASP) | C | 3/5 | ✓ | ✗ | ✗ | ✓ | ✓ | — |
| 21 |  Bitpanda Staking Austria (FMA) + Germany (BaFin MiCA) + UK (FCA reg.) | C | 3/5 | ✓ | ✗ | ✓ | ✗ | ✓ | — |
| 22 |  Bitstamp Luxembourg (MiCA) + UK FCA + US NYDFS BitLicense | C | 3/5 | ✓ | ✗ | ✓ | ✗ | ✓ | — |
| 23 |  Jito USA (Jito Foundation) | C | 3/5 | ✗ | ✓ | ✓ | ✗ | ✓ | — |
| 24 |  Mantle (mETH) Decentralized (Mantle) | C | 3/5 | ✗ | ✓ | ✓ | ✗ | ✓ | — |
| 25 |  Nexo EU (Lithuania), Switzerland | C | 3/5 | ✗ | ✓ | ✓ | ✓ | ✗ | — |
| 26 |  Frax (sfrxETH) Decentralized (Frax) | C | 3/5 | ✗ | ✓ | ✓ | ✗ | ✓ | — |
| 27 |  StakeWise (osETH) Decentralized | C | 3/5 | ✗ | ✓ | ✓ | ✓ | ✗ | — |
| 28 |  Robinhood Crypto USA (FinCEN MSB, state MTLs) | D | 2/5 | ✓ | ✗ | ✗ | ✗ | ✓ | 7.0 % |
| 29 |  KuCoin Seychelles | D | 2/5 | ✗ | ✓ | ✓ | ✗ | ✗ | 5.0 % |
| 30 |  Nebeus Spain (Rintral Trading SL, Barcelona) | D | 2/5 | ✓ | ✗ | ✗ | ✗ | ✓ | 4.0 % |
| 31 |  CoinEx Earn Hong Kong (ViaBTC Group) | D | 2/5 | ✗ | ✓ | ✓ | ✗ | ✗ | 3.36 % |
| 32 |  Bitfinex British Virgin Islands | D | 2/5 | ✗ | ✗ | ✓ | ✗ | ✓ | — |
| 33 |  Ledn Cayman Islands | F | 1/5 | ✗ | ✓ | ✗ | ✗ | ✗ | 5.0 % |
| 34 |  Telegram Wallet Panama (TG Wallet Inc., built by The Open Platform) | F | 1/5 | ✗ | ✗ | ✓ | ✗ | ✗ | 4.0 % |
| 35 |  CoinDepo Panama (CoinDepo CORP) | F | 0/5 | ✗ | ✗ | ✗ | ✗ | ✗ | 17 % |
| 36 |  YouHodler Switzerland (YouHodler SA, Lausanne; group co. Naumard Ltd, Cyprus) | F | 0/5 | ✗ | ✗ | ✗ | ✗ | ✗ | 12 % |
| 37 |  Lune.fi Undisclosed (reviews cite Grenadines; no legal entity published) | F | 0/5 | ✗ | ✗ | ✗ | ✗ | ✗ | — |
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? 25 of 37
These 25 venues out of the 37 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.
- Bitget Earn A 5.0 %
- Bitvavo Staking A 0.83 %
- Coinbase Earn A
- Kraken Earn B 5.5 %
- Gate.io Earn B 5.49 %
- OKX Earn B 3.5 %
- WhiteBIT B 2.06 %
- BingX Earn B 1.0 %
- Coinbase cbETH B
- Gemini B
- Lido B
- Marinade B
- Rocket Pool B
- Uphold B
- MEXC Earn C 3.5 %
- Backpack Exchange C 2.92 %
- Binance Earn C 2.76 %
- Jito C
- Mantle (mETH) C
- Nexo C
- Frax (sfrxETH) C
- StakeWise (osETH) C
- KuCoin D 5.0 %
- CoinEx Earn D 3.36 %
- Ledn F 5.0 %
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.
- Bitget Earn A 5.0 %
- Bitvavo Staking A 0.83 %
- Kraken Earn B 5.5 %
- Gate.io Earn B 5.49 %
- OKX Earn B 3.5 %
- WhiteBIT B 2.06 %
- BingX Earn B 1.0 %
Rates are floating snapshots and change without notice. Not financial advice.