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Last updated: January 2026 — This EarnPark review has been thoroughly researched and updated with the latest data, including real user feedback, current interest rates, proof of reserves figures, and the controversial Delta Safe incident of October 2025.
EarnPark is a UK-registered cryptocurrency yield platform that promises up to 30% APY on digital assets through a combination of algorithmic trading, market making, and DeFi strategies. Founded in 2022 and headquartered in London (Company No. OC442773), EarnPark positions itself as a democratized hedge fund — bringing institutional-grade yield strategies to retail investors.
But does EarnPark deliver on its promises? After analyzing the platform's track record, security infrastructure, real user experiences, and the significant Delta Safe loss event of late 2025, this review gives you an honest, data-driven assessment to help you decide whether EarnPark is right for your crypto portfolio.
EarnPark Overview: Key Facts at a Glance
| Feature | Details |
|---|---|
| Founded | 2022 (trading algorithms since 2017) |
| Headquarters | 128 City Road, London, UK (EC1V 2NX) |
| Legal Entity | EarnPark Platform LLP No. OC442773 |
| Assets Under Management | $20M+ (Total Reserves: $20.09M as of Jan 2026) |
| Total Returns Paid | $2.5M+ |
| Registered Users | 10,000+ |
| Average Investment Duration | 11 months |
| APY Range | 5%–30% (varies by strategy and asset) |
| Supported Assets | BTC, ETH, USDT, USDC, BNB, XRP, BCH, SOL, XLM, PARK + others |
| KYC Required | Yes (avg. verification time <1 minute) |
| Mobile Apps | iOS (App Store) and Android (Google Play) |
| Trustpilot Rating | 4.4/5 ("Excellent") |
| Reserve Ratio | 114.2% (Liabilities: $17.60M, Reserves: $20.09M) |
How EarnPark Works: Yield Generation Strategies Explained
EarnPark generates yield through four distinct strategies, each with different risk profiles and expected returns. Understanding these is crucial before depositing funds.
1. Algo Trend (10–15% APY)
EarnPark's flagship strategy uses fully automated algorithmic trading powered by proprietary AI software. The system executes trades when asset prices break through specified ranges, using a cascading method optimized via extensive historical data and forward analysis. This strategy has the longest track record, with historical BTC returns of +159% in 2018, +62% in 2019, and a more normalized +14.8% in 2024. For USDT, 2024 returned +11.24%, though notably the strategy posted -8.8% in 2022 — a reminder that even algorithmic strategies can lose money.
Our take: The Algo Trend strategy's long track record is reassuring, but the 2022 loss and the negative USDT return in 2025 (one Trustpilot reviewer reported -3.73% for the year) show these aren't guaranteed returns. The "up to 30% APY" headline figure likely refers to peak historical performance, not what you should expect going forward.
2. Maker Core (5–10% APY)
This strategy leverages bots for centralized exchange (CEX) market liquidity, executing simultaneous buy/sell orders to profit from price spreads. EarnPark is a qualified market maker on Binance, which gives this strategy a legitimate foundation. Delta-neutral strategies are employed to mitigate risk against asset volatility.
Our take: Market making is one of the more reliable yield strategies in crypto, and EarnPark's Binance qualification adds credibility. Historical BTC returns of 3–5% annually are modest but more realistic and sustainable.
3. DeFi Strategy (5–10% APY)
This strategy taps into decentralized finance opportunities including staking in new projects, looping, yield farming, and other DeFi mechanisms. It goes beyond traditional liquidity providing to optimize returns across multiple protocols.
Our take: DeFi strategies inherently carry smart contract risk and impermanent loss. The 2024 USDT DeFi return of +16.71% looks attractive, but DeFi yields can be volatile and past performance is no guarantee.
4. Liquidity Providing (5–7% APY)
EarnPark earns transaction fees by supplying liquidity to DeFi protocols (DEXs, pools, cross-chain bridges, and lending services). Positions are hedged with counteractive futures trades to minimize impermanent loss.
Our take: The lowest-risk strategy on the platform. The hedging approach is sound in theory, but the 5–7% range is where most of the "safe" yield actually lands.
Historical Performance Data (Verified from EarnPark Stats Page)
| Strategy | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|
| Algo Trend BTC | +79.06% | +20.58% | +14.70% | +13.40% | +14.80% |
| Algo Trend USDT | +102.9% | -8.8% | +7.00% | +23.80% | +11.24% |
| Market Making BTC | +4.28% | +4.12% | +3.18% | — | — |
| Delta Safe USDT | +21.62% | +5.13% | +17.84% | +12.06% | ~-33%* |
| DeFi USDT | — | — | — | — | +16.71% |
*Delta Safe USDT suffered a catastrophic ~33% loss in October 2025 due to a $19B market liquidation event. The strategy has since been halted. See "Delta Safe Incident" section below for details.
Supported Cryptocurrencies
Based on EarnPark's asset liquidity data (January 2026), the platform supports the following assets with their approximate portfolio share across all users:
- USDT (Tether) — 38.96% of platform assets (most popular)
- BTC (Bitcoin) — 28.32%
- PARK Token — 12.94% (EarnPark's native token)
- BNB (Binance Coin) — 5.68%
- ETH (Ethereum) — 5.58%
- XRP (Ripple) — 4.96%
- BCH (Bitcoin Cash) — 1.28%
- USDC — 0.46%
- XLM (Stellar) — 0.42%
- SOL (Solana) — 0.41%
- Others — 0.99%
The dominance of USDT and BTC (combined 67%+) suggests most users prefer stablecoin and Bitcoin yield strategies — a rational choice given the risk profile.
Fee Structure
EarnPark operates on a performance-based fee model: the platform takes a share of the profits generated by its strategies rather than charging upfront fees. Key fee details:
- Deposit fees: None
- Withdrawal fees: Standard blockchain network fees only
- Management fees: No fixed management fees
- Performance fee: Revenue comes from a share of strategy profits (exact percentage not publicly disclosed)
- Minimum deposit: None
- Lock-in period: None — withdraw anytime
The performance-based model is actually well-aligned with user interests: EarnPark only makes money when you make money. However, the lack of publicly disclosed fee percentages is a transparency gap that could be improved.
Security and Infrastructure
EarnPark takes a multi-layered approach to security. Here's what we found:
Wallet Infrastructure
- Fireblocks Integration: User assets are managed through Fireblocks' institutional-grade vault infrastructure, with tokens spread across different addresses
- Multi-Signature Transactions: Each transaction requires approval from 3 team members using MPC (Multi-Party Computation) key management
- Cold Storage: Transaction signing happens offline on air-gapped devices. Uses N-of-M key quorum (e.g., 3 of 5 keys required)
- Strategy Isolation: Each strategy has its own vault with separate private keys — if one protocol is compromised, others are unaffected
- WalletConnect: Protocol connections use WalletConnect, ensuring private keys never leave the multisig
Account Security
- Two-Factor Authentication (2FA): Required for login, withdrawals, and crucial account actions
- Address Whitelisting: Crypto withdrawals only go to pre-approved addresses in your Address Book
- Security Alerts: Email notifications for every login attempt with browser type and geolocation details
- Auto Logout: Automatic session termination after 1 day of inactivity (1 hour without actions)
- Session Protection: Sessions are linked to browser and IP address to prevent cookie theft and session hijacking
Infrastructure Security
- Cloud Providers: Multi-cloud architecture across AWS (~40 services), Azure (validators + cosigners), and GCP (security)
- WAF & DDoS Protection: Enterprise-grade web application firewall; no servers have direct internet access
- TLS 1.3 Encryption: Banking-grade encryption with DNSSEC and HSTS
- 24/7 Infrastructure Monitoring
- Regular Vulnerability Scans
- Bug Bounty Program for white-hat hackers
- Secure SDLC: All code changes are reviewed by developers, tested by QA, and analyzed by security experts
Proof of Reserves
EarnPark publishes regular Proof of Reserves reports. As of January 16, 2026:
- Total Liabilities: $17.60M
- Total Reserves: $20.09M
- Reserve Ratio: 114.2% (fully backed with surplus)
- Reserve Breakdown: 62% on exchanges (primarily Binance: $12.4M), 12% in strategies, 6% in crypto wallets, 19% in cold wallets
All on-chain wallets are publicly verifiable via Debank, and exchange balances are backed by downloadable account statements. This level of transparency is commendable and exceeds what many competitors offer.
The Delta Safe Incident (October 2025) — What You Need to Know
No honest EarnPark review in 2026 can ignore the Delta Safe incident. Here's what happened:
On October 10–11, 2025, a massive $19 billion liquidation event swept across the crypto market. EarnPark's "Delta Safe" strategy — which was marketed as a low-risk USDT strategy — suffered approximately 33% losses in a single event. This was catastrophic for users who had chosen this strategy specifically because of its "safe" labeling.
What Went Wrong
- Delta Safe was a partner-managed strategy (not fully operated by EarnPark's core team)
- Three risk factors materialized simultaneously: exchange risk, leverage risk, and algorithm failure
- BTC-collateralized positions were liquidated during the market crash
- The strategy was immediately halted and delisted after the event
EarnPark's Response
- Offered 100% of losses compensated in PARK tokens (using Tier 3 pricing)
- Sent automated "Congratulations on your PARK purchase" emails — widely criticized as tone-deaf
- Tightened partner oversight framework and introduced new risk controls
- Some users reported the compensation felt like receiving "thin air" since PARK tokens had no established market value or liquidity
Our Assessment
This incident is a significant red flag that prospective users must consider. While market crashes affect all platforms, several aspects are concerning:
- Labeling a leveraged, partner-managed strategy as "Safe" was misleading, even if risk disclosures existed in the fine print
- Compensating real losses with illiquid PARK tokens is not true compensation — it shifts the risk to the token's future performance
- The automated congratulatory email showed poor crisis communication
To EarnPark's credit, they responded publicly, acknowledged the email mistake, and implemented stricter controls. But this event demonstrates that "low-risk" labels on any crypto yield platform should be treated with extreme caution.
User Experience and Interface
EarnPark's platform is clean and modern, built with React/NextJS on the frontend. The dashboard provides real-time earnings tracking, and the onboarding process is streamlined — KYC verification averages under 1 minute according to their published stats.
Key UX Features
- One-click Google login: Quick registration without complex onboarding
- Clear strategy pages: Each strategy displays risk level, expected APY, and historical performance
- Real-time earnings dashboard: Track daily compounding interest
- No minimum deposit: Start with any amount
- Flexible withdrawals: No lock-in periods; withdraw anytime
- Built-in swap: Exchange between supported cryptocurrencies on the platform
- Buy crypto: Purchase crypto directly on the platform (fiat on-ramp)
Areas for Improvement
- Several pages return 404 errors (including /strategies, /about, /earn) — suggesting recent site restructuring that isn't complete
- Heavy promotion of the PARK token sale throughout the platform can feel aggressive
- Fee structure could be more transparently disclosed
Mobile App
EarnPark offers dedicated mobile apps on both major platforms:
- iOS: Available on the Apple App Store (EarnPark: Crypto Rewards)
- Android: Available on Google Play
The mobile apps mirror the web platform's functionality, allowing users to manage strategies, deposit/withdraw funds, and monitor earnings on the go. The apps are relatively new (launched in 2024) and are still maturing.
Customer Support
EarnPark provides multiple support channels:
- Email: support@earnpark.com
- Help Center: Comprehensive knowledge base at help.earnpark.com with articles on security, KYC, whitelisting, and more
- Telegram & Discord: Community channels for support and updates
- Average Resolution Time: 1 hour (per platform stats)
Trustpilot reviews are mixed on support quality. Some users praise responsive and helpful support, while at least one long-term investor with $10,000+ invested described the response to their Delta Safe concerns as "dismissive and unprofessional." EarnPark did publicly respond to this criticism on Trustpilot, which shows engagement with user feedback.
Regulatory Compliance
EarnPark's regulatory positioning includes:
- UK Registration: EarnPark Platform LLP (No. OC442773), registered at 128 City Road, London
- SEC Compliance: EarnPark claims alignment with U.S. Securities and Exchange Commission regulations — though it's important to note this appears to be self-declared compliance, not a formal SEC registration or license. There's a significant difference between being "SEC-compliant" and being "SEC-registered."
- KYC/AML: Full Know Your Customer and Anti-Money Laundering procedures in place
- Global Availability: Available in 180+ countries
Important caveat: Being a UK-registered LLP does not mean EarnPark is regulated by the Financial Conduct Authority (FCA) for crypto activities. The UK crypto regulatory landscape is still evolving, and a Companies House registration doesn't equate to FCA authorization. Users should understand this distinction.
The PARK Token
EarnPark has launched its own native token, PARK, which now represents 12.94% of platform assets. Key details:
- Currently in Token Sale phase with tiered pricing
- White Paper and Roadmap available on the website
- Used as compensation for Delta Safe losses (controversial)
- Not yet listed on major exchanges (limited liquidity)
The PARK token introduces additional considerations: platforms that launch their own tokens can create potential conflicts of interest, where promoting the token may take priority over core platform performance. The Delta Safe incident, where losses were compensated with PARK tokens, reinforced this concern for some users.
Pros and Cons
Pros
- Transparent Proof of Reserves: 114.2% reserve ratio with on-chain verification — better than many competitors
- Multiple Yield Strategies: Four distinct strategies with different risk/return profiles
- No Minimums, No Lock-ins: Start with any amount, withdraw anytime
- Daily Compounding: Interest compounds daily for better effective yields
- Binance Market Maker Status: Adds legitimacy to the market making strategy
- Published Performance History: Full historical returns data available since 2018
- Fast KYC: Under 1 minute average verification
- Multi-Cloud Security: Fireblocks + multi-sig + cold storage infrastructure
- Mobile Apps: Available on both iOS and Android
- 4.4/5 Trustpilot Rating: Generally positive user sentiment
Cons
- Delta Safe Incident: ~33% loss on a "safe" strategy destroyed user trust for many
- PARK Token Compensation: Replacing real losses with illiquid tokens is questionable
- Aggressive Token Promotion: Heavy push of PARK token sale throughout the platform
- "SEC Compliant" Claim: Self-declared, not formally SEC-registered — potentially misleading
- No FCA Regulation: UK-registered but not FCA-authorized for crypto
- Relatively Small AUM: $20M is modest compared to competitors like Nexo ($4B+)
- Website Issues: Multiple 404 pages suggest ongoing restructuring
- Mixed Support Quality: Some users report dismissive responses on serious concerns
- Undisclosed Fee Percentages: Performance fees exist but exact rates aren't public
- Partner Strategy Risk: Third-party managed strategies may not meet EarnPark's own standards
Who Should (and Shouldn't) Use EarnPark
EarnPark May Be Right For You If:
- You want exposure to algorithmic trading and DeFi yields without managing them yourself
- You value transparency (Proof of Reserves, published performance history)
- You want flexible terms with no lock-up periods
- You're comfortable with the risks of a smaller, newer platform
- You want to start with a small amount to test the platform
EarnPark May NOT Be Right For You If:
- You need regulatory certainty (FCA/SEC-registered platform)
- Capital preservation is your top priority
- You're uncomfortable with platforms that have their own token
- You want a platform with a longer track record and larger AUM
- The Delta Safe incident concerns you (and it probably should)
EarnPark vs. Alternatives: Comparison Table
| Platform | Max APY | Supported Coins | Regulation | AUM | Lock-in | Unique Strength |
|---|---|---|---|---|---|---|
| EarnPark | Up to 30% | 10+ | UK LLP | $20M | None | Algo trading + PoR transparency |
| Nexo | Up to 12% | 40+ | Multiple licenses | $4B+ | Flexible/Fixed | Insurance, credit lines, proven track record |
| YouHodler | Up to 13% | 50+ | Swiss/EU regulated | $200M+ | None | Multi HODL, crypto loans |
| M2 | Up to 15% | Multiple | ADGM regulated | N/A | Flexible | Yield farming, cross-chain |
| Wirex | Up to 16% | 50+ | UK/EU licensed | N/A | Flexible | Crypto Visa card, X-Accounts |
| Nebeus | Up to 13.5% | 10+ | EU licensed | N/A | Flexible/Fixed | Crypto loans, Mastercard |
Bottom line: If you prioritize regulatory certainty and platform maturity, Nexo or YouHodler are safer choices. If you want higher potential returns and are comfortable with the additional risks, EarnPark offers a unique proposition — but with more unknowns.
Real User Feedback (Trustpilot Analysis)
EarnPark holds a 4.4/5 "Excellent" rating on Trustpilot as of January 2026. Here's a summary of what real users are saying:
Positive Reviews
- "Clean interface and clear earning system. Everything works smoothly, payments are fast, and support is responsive."
- "Very transparent about risk and reward, so you can make informed investment decisions."
- "Very interesting platform and great support. I long time on EarnPark and found it relatively easy to use."
Negative Reviews
- One long-term investor reported 30%+ losses from the Delta Safe strategy and criticized the PARK token compensation
- "Algo trend usdt strategy gave -3.73% for 2025 year, they hold our usdt for 1 year and we saw negative results."
- Concerns about forced PARK token allocation without consent
- Some reviews appear promotional or low-quality, which is common across crypto Trustpilot pages
User Demographics
According to EarnPark's stats, the user base is globally distributed: Indonesia (16.86%), Bangladesh (9.43%), Vietnam (6.34%), Nigeria (6.13%), India (5.91%), USA (4.36%), France (3.1%), Germany (2.49%), Pakistan (2.37%), and Brazil (2.14%). The concentration in developing markets is typical of crypto yield platforms.
Frequently Asked Questions (FAQ)
Is EarnPark safe?
EarnPark employs robust security measures including Fireblocks vault infrastructure, multi-signature transactions, cold storage, 2FA, and address whitelisting. They maintain a 114.2% reserve ratio with published Proof of Reserves. However, the Delta Safe incident showed that individual strategies can still suffer significant losses. The platform itself appears secure; the risk lies in the investment strategies.
Is EarnPark a scam?
Based on our research, EarnPark does not appear to be a scam. It is a UK-registered entity with verifiable on-chain reserves, published performance data, and real user activity. However, the very high advertised APYs (up to 30%) and the PARK token dynamics warrant caution. Always invest only what you can afford to lose.
How much can I earn with EarnPark?
Realistic returns depend on the strategy chosen. Algo Trend BTC has averaged roughly 13-15% over recent years. Market Making BTC returns 3-5%. The advertised "up to 30%" reflects peak historical performance, not typical expected returns. The average EarnPark investor earns approximately $120/month according to platform data.
Are there any fees on EarnPark?
No deposit fees, no withdrawal fees (beyond blockchain network fees), and no management fees. EarnPark takes a share of strategy profits. Exact performance fee percentages are not publicly disclosed.
Can I withdraw my funds at any time?
Yes. EarnPark has no lock-in periods and allows withdrawals at any time without penalty. This is one of the platform's strongest features.
What is the PARK token?
PARK is EarnPark's native token, currently in a Token Sale phase. It represents 12.94% of platform assets and was controversially used to compensate Delta Safe losses. The token is not yet listed on major exchanges, so liquidity is limited.
Is EarnPark regulated?
EarnPark is a UK-registered Limited Liability Partnership (LLP). It claims SEC compliance but is not formally registered with the SEC or authorized by the UK's Financial Conduct Authority (FCA). This is an important distinction.
How does EarnPark compare to Nexo?
Nexo offers lower maximum APYs (up to 12%) but has significantly more assets under management ($4B+), multiple regulatory licenses, insurance on custodied assets, and a longer track record. EarnPark offers potentially higher returns but with more risk and less regulatory oversight. For most users, Nexo is the safer choice; EarnPark appeals to those seeking higher yields.
What happened with EarnPark's Delta Safe strategy?
In October 2025, the Delta Safe USDT strategy suffered ~33% losses during a market-wide $19B liquidation event. The strategy was halted, and users were compensated with PARK tokens. See our detailed analysis above.
Final Verdict: Should You Use EarnPark in 2026?
Rating: 3.5/5 ½
EarnPark is a legitimate but imperfect crypto yield platform. It does several things well: transparent Proof of Reserves, no lock-in periods, a range of strategies with published track records, and genuine security infrastructure. The Binance market maker qualification adds real credibility.
However, the Delta Safe incident of October 2025 is hard to overlook. A strategy labeled "safe" that lost 33%, followed by compensation in illiquid proprietary tokens, raises fundamental questions about risk disclosure and user protection. The aggressive PARK token promotion adds to concerns about misaligned incentives.
For new users in 2026, our recommendation is cautious:
- If you decide to use EarnPark, start small — deposit only what you can afford to lose entirely
- Stick to strategies with longer track records like Algo Trend or Market Making
- Avoid any strategy labeled "safe" without understanding the underlying mechanics
- Don't over-allocate — EarnPark should be a small part of a diversified crypto portfolio, not your primary yield platform
- Monitor the PARK token situation — the platform's increasing focus on its own token is worth watching
EarnPark has the potential to evolve into a stronger platform, especially if it continues improving transparency and tightens risk management following the Delta Safe lessons. But as of January 2026, more established alternatives like Nexo or YouHodler offer better risk-adjusted returns for most investors.
This review is for informational purposes only and should not be considered financial advice. Cryptocurrency investments carry significant risk, including the potential loss of your entire investment. Always do your own research before investing.
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