OKX Earn vs Xapo Bank
How OKX Earn vs Xapo Bank compare on our ratings, earn platform specs, funding, pros and cons.
| Feature | ||
|---|---|---|
| Ratings | ||
| Our score | 4.1/5 | 4.3/5 |
| User rating | No reviews yet | No reviews yet |
| Rates | 4.0 | 4.0 |
| Security | 4.5 | 4.5 |
| Transparency | 4.0 | 4.5 |
| Flexibility | 4.0 | 4.0 |
| Support | 4.0 | 4.5 |
| Specs | ||
| KYC required | Yes | Yes |
| Products | Savings / earn, Staking, Dual investment | Savings / earn, Crypto-backed loans |
| Highest advertised APY | 18.81% | 4.6% |
| Max loan-to-value | Not disclosed | 40% |
| Supported assets | 20 | Not disclosed |
| Available in | Europe (EEA), United States, Global | United Kingdom, Global |
| Proof of reserves | Yes | Not disclosed |
| Insurance | Not disclosed | Gibraltar Deposit Guarantee Scheme covers USD deposits up to £120,000 equivalent; Lloyd's of London covers BTC custody |
| Licenses & registrations | MiCA | Gibraltar banking licence (GFSC) |
| Flexible (withdraw any time) | Yes | Yes |
| Fixed terms | Yes | Not disclosed |
| Auto-compounding | Not disclosed | Yes |
| Company | ||
| Founded | — | 2013 |
| Headquarters | Malta | Gibraltar |
| Investors | Intercontinental Exchange (ICE) | Not disclosed |
| Strengths and weaknesses | ||
| Pros |
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| Cons |
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| Best for | Verified European exchange users, Holders seeking passive proof-of-stake rewards, Traders using structured dual-currency products | High-net-worth Bitcoin holders, Savers accumulating Bitcoin yield from cash, Borrowers seeking non-taxable liquidity |
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.