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OKX Earn vs Unchained

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

OKX Earn4.1/5
VS
Unchained3.7/5
Feature
OKX EarnVisit
UnchainedVisit
Ratings
Our score4.1/53.7/5
User ratingNo reviews yetNo reviews yet
Rates4.02.0
Security4.54.5
Transparency4.04.5
Flexibility4.02.5
Support4.04.0
Specs
KYC required Yes Yes
ProductsSavings / earn, Staking, Dual investmentCrypto-backed loans
Highest advertised APY18.81%Not disclosed
Supported assets201
Available inEurope (EEA), United States, GlobalUnited States
Proof of reserves YesNot disclosed
Licenses & registrationsMiCANMLS ID 1900773, NMLS ID 2656661, NMLS ID 2423070, California Financing Law License
Flexible (withdraw any time) YesNot disclosed
Fixed terms Yes Yes
Auto-compoundingNot disclosed No
Company
Founded—2016
HeadquartersMaltaUnited States
InvestorsIntercontinental Exchange (ICE)Valor Equity Partners, NYDIG, Stone Ridge Holdings Group
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
  • Collateral is never rehypothecated and can be audited on-chain at any time
  • Borrowers retain one of three multisig keys on every loan
  • Completed SOC 1 and SOC 2 audits in 2025
  • Holds established US state lending licenses and NMLS registrations
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
  • High minimum loan amount of $150,000 restricts smaller borrowers
  • Loan interest rates are 14% to 16.21% APR
  • Supports only Bitcoin, excluding all other crypto assets
  • Requires complete identity verification and serves primarily US residents
Best forVerified European exchange users, Holders seeking passive proof-of-stake rewards, Traders using structured dual-currency productsUS long-term Bitcoin holders, Corporate treasuries borrowing against Bitcoin, Investors seeking verified non-rehypothecated loans

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