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Nebeus vs OKX Earn

How Nebeus vs OKX Earn compare on our ratings, earn platform specs, funding, pros and cons.

Nebeus3.8/5
VS
OKX Earn4.1/5
Feature
NebeusVisit
OKX EarnVisit
Ratings
Our score3.8/54.1/5
User ratingNo reviews yetNo reviews yet
Rates4.04.0
Security4.04.5
Transparency3.54.0
Flexibility4.04.0
Support3.54.0
Specs
KYC required Yes Yes
ProductsCrypto-backed loans, Savings / earnSavings / earn, Staking, Dual investment
Highest advertised APY12%18.81%
Max loan-to-value70%Not disclosed
Loan APR from4%Not disclosed
Supported assets3020
Available inEurope (EEA)Europe (EEA), United States, Global
Proof of reservesNot disclosed Yes
Insurance$250M Lloyd's of London coverage via BitGo custodyNot disclosed
Licenses & registrationsMiCA (CNMV, Spain)MiCA
Flexible (withdraw any time) Yes Yes
Fixed terms Yes Yes
Company
Founded2014—
HeadquartersSpainMalta
InvestorsNot disclosedIntercontinental Exchange (ICE)
Strengths and weaknesses
Pros
  • Authorised under the European MiCA framework by Spain's CNMV
  • BitGo custody backed by $250M Lloyd's of London insurance
  • Dedicated European IBAN linked directly to crypto balances
  • No mandatory platform token required to unlock standard interest rates
  • 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
  • Crypto renting yield accounts are not covered by MiCA regulatory protections
  • Loans carry a standard 1% origination fee
  • Centralized custody exposes user deposits to counterparty risk
  • Mandatory KYC identity verification for all accounts
  • 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 forEEA residents needing euro IBANs, Borrowers seeking crypto-backed fiat liquidity, Holders seeking daily yield without native tokensVerified 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.