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OKX Earn vs SALT Lending

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

OKX Earn4.1/5
VS
SALT Lending3.7/5
Feature
OKX EarnVisit
SALT LendingVisit
Ratings
Our score4.1/53.7/5
User ratingNo reviews yetNo reviews yet
Rates4.04.0
Security4.53.5
Transparency4.03.5
Flexibility4.04.0
Support4.03.5
Specs
KYC required Yes Yes
ProductsSavings / earn, Staking, Dual investmentCrypto-backed loans
Highest advertised APY18.81%10%
Max loan-to-valueNot disclosed70%
Loan APR fromNot disclosed7.49%
Supported assets20Not disclosed
Available inEurope (EEA), United States, GlobalUnited States
Proof of reserves YesNot disclosed
InsuranceNot disclosedCyber insurance covering breaches, theft, and extortion
Licenses & registrationsMiCANMLS 1711910
Flexible (withdraw any time) YesNot disclosed
Fixed terms Yes Yes
Company
Founded—2016
HeadquartersMaltaUnited States
InvestorsIntercontinental Exchange (ICE)Not disclosed
Strengths and weaknesses
Pros
  • 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
  • No credit checks or income verification required to secure loans
  • Zero origination fees and zero prepayment penalties
  • Loans disburse within 24 to 48 business hours
  • Licensed US lender under NMLS ID 1711910 across 47 states
Cons
  • 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
  • Requires custodial transfer of collateral, introducing counterparty risk
  • Mandatory KYC identity verification for all accounts
  • Earn program yields capped to accredited and institutional investors
  • Minimum loan amounts can reach up to $10,000 depending on the state
Best forVerified European exchange users, Holders seeking passive proof-of-stake rewards, Traders using structured dual-currency productsUS Bitcoin holders avoiding tax sales, Borrowers seeking non-credit-based cash, Accredited investors seeking fixed yields

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.