Kraken Earn
🟢 Low riskRegulation · Proof-of-Reserves · Flexible withdrawal · Insurance Fund · Track record (2+ years incident-free)
- ✓ Regulation
FinCEN MSB registration, FCA license in the UK, MiFID in the EU, registered in Canada. One of the most regulated exchanges. Source →
- ✓ Proof-of-Reserves
Publishes an independently audited Merkle-tree PoR semi-annually (Armanino → Mazars). Covers all major assets. Source →
- ✓ Flexible withdrawal
All Earn products are Flexible. Staking with unbonding ~2-28 days depending on asset.
- ✓ Insurance Fund
Hot wallet protection, 95%+ of assets in cold storage. In-house insurance fund covers operational risks.
- ✓ Track record (2+ years incident-free)
Operating since 2011 with no major incidents involving user funds. Considered the golden standard in the industry.
Known incidents
No known incidents in the past 2 years
Yield products
as of May 24, 2026| Product | Rate | Type | Lock | |
|---|---|---|---|---|
| USDC | 4.1 % | flexible | — | Open |
| USDT | 4.1 % | flexible | — | Open |
| BTC | 0.15 % | staking | — | Open |
| ETH | 2.65 % | staking | — | Open |
| SOL | 5.96 % | staking | — | Open |
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