Ledn vs OKX Earn

Ledn4.1/5

VS

OKX Earn4.1/5

Feature	LednVisit	OKX EarnVisit
Ratings
Our score	4.1/5	4.1/5
User rating	No reviews yet	No reviews yet
Rates	3.5	4.0
Security	4.5	4.5
Transparency	4.5	4.0
Flexibility	3.5	4.0
Support	4.0	4.0
Specs
KYC required	Yes	Yes
Products	Crypto-backed loans	Savings / earn, Staking, Dual investment
Highest advertised APY	Not disclosed	18.81%
Max loan-to-value	50%	Not disclosed
Loan APR from	9.25%	Not disclosed
Supported assets	5	20
Available in	Global, Canada, United States, Latin America, Europe (EEA), Asia-Pacific, Middle East, Africa	Europe (EEA), United States, Global
Proof of reserves	Yes	Yes
Licenses & registrations	Cayman Islands VASP registration (CIMA)	MiCA
Flexible (withdraw any time)	Yes	Yes
Fixed terms	Yes	Yes
Company
Founded	2018	—
Headquarters	Canada	Malta
Investors	Tether	Intercontinental Exchange (ICE)
Strengths and weaknesses
Pros	100% BTC collateral in custody as of September 1, 2026 Bitcoin-backed APRs advertised from 9.25% Early repayment has no penalty on standard loans Monthly reports disclose assets, liabilities and loan metrics	Operates under a full European MiCA licence across 30 countries Backing from Intercontinental Exchange following a $200M strategic funding round Publishes regular cryptographic proof of reserves for platform assets Zero percent subscription fee for basic savings products
Cons	Centralized counterparty and insolvency exposure remains Bitcoin price declines can trigger top-ups or liquidation Product availability varies by jurisdiction Loan terms are fixed at 12 months	Deducts a 15% service fee from on-chain staking rewards Full custodial exposure makes user funds vulnerable to platform insolvency Disclaims liability for losses caused by third-party DeFi protocol failures Mandatory identity verification prevents anonymous participation
Best for	Bitcoin holders borrowing cash, Long-term BTC collateral users, Borrowers needing USD liquidity	Verified European exchange users, Holders seeking passive proof-of-stake rewards, Traders using structured dual-currency products

Highlighted cells show the stronger value in each row. Data comes from each provider's site and public sources; check details before you sign up.

More comparisons