Yield
Gemini
Safety grade B
5 checks ✓ ✓ ✓ ✗ ✓
USDT —
BTC —
ETH 3.0 %
Top product SOL · 6.0 %
Products tracked 2
Coins tracked 2
Jurisdiction USA (New York Trust Company, NYDFS)
Founded 2014
Min deposit $1
Open Gemini → 
Lune.fi
Safety grade F
5 checks ✗ ✗ ✗ ✗ ✗
USDT 29.5 %
BTC 21.5 %
ETH 21.5 %
Top product USDC · 29.5 %
Products tracked 4
Coins tracked 4
Jurisdiction Undisclosed (reviews cite Grenadines; no legal entity published)
Founded 2021
Min deposit $10
Open Lune.fi → Safety — check by check
| Check | B Gemini | F Lune.fi |
|---|---|---|
| Regulation | ✓ | ✗ |
| Proof-of-Reserves | ✓ | ✗ |
| Flexible withdrawal | ✓ | ✗ |
| Insurance Fund | ✗ | ✗ |
| Track record (2+ years incident-free) | ✓ | ✗ |
| Score | 4/5 · B | 0/5 · F |
The five public criteria behind each platform's grade. Each ✓ is one point — more points, safer grade. A highlighted ✓ is where one platform wins the criterion outright.