Yield
HUMA on KuCoin
KuCoin pays 4.0 % APY on Huma Finance (HUMA) as a Flexible rate. On YieldScope KuCoin carries a safety grade of D, scored across five risk criteria. Below: where HUMA earns more — and where it earns safer.
OKX Earn B Yield source: Exchange Earn
Where else HUMA earns
KuCoin pays 4.0 % on HUMA. Here's how other venues compare — by rate and by safety.
| Venue | APY | Terms | Grade |
|---|---|---|---|
| KuCoin (this page) | 4.0 % | Flexible | D |
| OKX Earn | 8.83 % | Flexible | B |
 Bitvavo Staking | 2.82 % | Flexible | A |
 Binance Earn | 1.07 % | Flexible | C |
 Bitget Earn | 1.0 % | Flexible | B |
 Gate.io Earn | 0.25 % | Flexible | B |
KuCoin is graded D. If safety matters more than a few extra basis points, Bitvavo Staking earns HUMA at a higher grade (A).
Why KuCoin is graded D
Five binary safety criteria — each one passed or not. The more passed, the safer.
- ✗
Regulation
Permanently barred from the US (a 2026 CFTC order following a $297M DOJ settlement) and restricted for new clients in parts of the EU; registered in Seychelles with no major-market retail licence. Source →
- ✓
Proof-of-Reserves
Monthly Hacken proof-of-reserves for 32+ consecutive months, with recent coverage around BTC 115%, ETH 120% and USDT 125%. Source →
- ✓
Flexible withdrawal
KuCoin's own Earn page puts it in five words: "Deposit or withdraw anytime, earn daily rewards". No platform lock on Simple Earn. Source →
- ✗
Insurance Fund
Nothing with a number on it. KuCoin's security page names no insurance, reserve or protection fund at all, and the "Safeguard Program" it does run is legal and technical help for victims of incidents, not a pot of money — it states no size either. The dedicated /safeguard-fund URL now 404s. For contrast, KuCoin's own glossary explains what an insurance fund is by describing Binance's SAFU, which is not a thing KuCoin has. Source 1 → Source 2 →
- ✗
Track record (2+ years incident-free)
Founded 2017. A 2020 hack drained around $281M (users were reimbursed), and the 2025 DOJ settlement plus the 2026 US ban weigh on its record. Source 1 → Source 2 →
HUMA rate history on KuCoin
KuCoin has not changed its HUMA rate once in the 22 days we have been recording it — the number you see today is the number it has always paid.
Daily snapshots from YieldScope's rate sync. Hover to inspect any day.
How HUMA yields moved across exchanges
from 2026-06-25 to 2026-09-26
Among the 6 venues we have HUMA history for, KuCoin currently sits at #2 by rate — with 22 days of our own daily snapshots behind that number.
Source: daily snapshots via exchange APIs
Your money, this pair
How much will you earn?
Method: monthly compounding (1 + APR/12)ⁿ, where APR is the exchange's stated rate. The realized 12-month return is slightly higher due to reinvestment. Rates may change. Not financial advice.
This is not an affiliate link. Price for you doesn't change.
How HUMA earns on KuCoin
When you deposit HUMA into KuCoin's earn product you receive 4.0 % APY as a Flexible rate. The platform puts the asset to work and shares the yield — your balance grows without you doing anything.
This is a base rate, not a promotional teaser: it's what an ordinary deposit actually earns. KuCoin carries a YieldScope safety grade of D, so weigh the yield against platform risk — a higher rate on a weaker grade is not automatically a better deal.
Rates on HUMA move with lending demand and market conditions. We re-check them daily and keep a history, so you can see whether today's number is unusually high, unusually low, or steady.