coins.category.lending-rates.hero.description
| Platform | Action | Max Rate | Base Rate | Min Deposit | Lockup | RU Access |
|---|---|---|---|---|---|---|
| EarnPark | Go to Platform | 33 % APY | — | — | 30 days | Check terms |
| Nexo | Go to Platform | 16 % APY | — | — | 180 days | Check terms |
| YouHodler | Go to Platform | 50 % APY | — | — | — | Check terms |
| AQRU | Go to Platform | 6 % APY | — | — | — | Check terms |
| Aave | Go to Platform | 5,07 % APY | — | — | — | Check terms |
| Syrup | Go to Platform | 5 % APY | — | — | — | Check terms |
| Compound | Go to Platform | 3,28 % APY | — | — | — | Check terms |
| Gemini | Go to Platform | 0,01 % APY | — | — | — | Check terms |
| Kucoin | Go to Platform | 50 % APY | — | — | — | Check terms |
We evaluate each platform on 5 factors. Higher stars = lower risk.
| Platform | Regulatory Status | Proof of Reserves | Track Record | Insurance |
|---|---|---|---|---|
| Nexo | EU (VARA Dubai, Multiple VASPs) | 2024-12 (Armanino) | Has issues | Custodial insurance |
| AQRU | — | — | — | general |
| Aave | United States (SEC) | Audited | — | — |
| Gemini | US (NYDFS, FinCEN) | 2024-12 (Big Four (SOC 2)) | Has issues | Digital asset insurance |
