Yield按安全性排名
哪个加密货币平台真正更安全？
在我们追踪的 45 家平台中，4 家通过了全部五项公开安全检查——Gate.io Earn, BingX Earn, Bitvavo Staking, Coinbase Earn。下方每个评级都是计数而非观点：五项检查，各计一分。
取舍就在最后一列。板上最高的美元利率是 Lune.fi 的 18 %，它一项检查都没通过，评级为 F。而通过四项或以上的平台中，最高利率是 Gate.io Earn 的 6.65 %，评级 A。
监管、储备证明、提现条款、保险基金和运营记录。每家平台页面上的每一项检查都附有依据说明和来源链接——评分可以复核，而不必凭信任接受。
| # | 平台 | 评级 | 通过 | 监管 | 储备证明 | 灵活提款 | 保险基金 | 记录（2 年以上无事故） | 最佳美元利率 |
|---|---|---|---|---|---|---|---|---|---|
| 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 % |
仅基础利率——不含促销档位和标称最高值。破折号表示该平台没有我们追踪的活期美元产品，而非不付利息。
每项检查如何判定，以及什么会改变评级： 查看方法论
哪些平台公布储备证明？45 家中有 30 家
我们追踪的 45 家平台中，这 30 家公布了储备证明。每个名称都链接到该项检查的评分页面并附有来源，因此评级可被复核，而非只能信任。
- 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
存放 USDT 与 USDC 最安全的地方
按安全性排序，而非按利率。下列每家平台至少通过五项检查中的四项，所显示的是随时可取的基础稳定币利率——不含促销档，也无锁定期。
- 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 %
利率为浮动快照，可能随时变动。非投资建议。