| Platform | Action | Max Rate | Base Rate | Min Deposit | Lockup | HK Access |
|---|---|---|---|---|---|---|
| Nebeus | Go to Platform | 13% APY | 10.5% APY | $130 | — | Check terms |
| YouHodler | Go to Platform | 12% APY | — | — | — | Not HK |
| Gemini | Go to Platform | 0.01% APY | — | — | — | Not HK |
| Kucoin | Go to Platform | 0.5% APY | — | — | — | Check terms |
| Aave | Go to Platform | 0.09% 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 |
| Gemini | US (NYDFS, FinCEN) | 2024-12 (Big Four (SOC 2)) | Has issues | Digital asset insurance |
