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Home Platforms AAVE vs Celsius Network

Compare AAVE vs Celsius Network

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Pros & Cons

tick Very low loan rates available
tick No origination or early redemption fees
tick Interest accrued every second
tick Savings interest payments remain attached to coin even if transferred off platform
tick Fully open source platform
tick Higher average review rating than Celsius Network, but based on fewer reviews (77% vs 77%)
tick Crypto exchange available on AAVE but not on Celsius Network
tick Know your customer checks are required on AAVE but not on Celsius Network
tick No hidden fees
tick Get higher savings rates and lower loan by investing in CEL Token
tick Easy to use phone app
tick Easily send crypto to others with CelPay
tick HODL mode provides extra security against hacks
tick More reviews than AAVE (10,341 vs 24 reviews)
tick Higher rating on Trustpilot than AAVE (3.8 vs 3.2 stars)
tick Has less assets under management than AAVE
tick Offers corporate accounts but AAVE doesn't
tick Instantly buy crypto with fiat on Celsius Network but not on AAVE
tick Celsius Network uses cold storage crypto wallets but AAVE does not
tick Celsius Network uses two factor authentication but AAVE does not
tick Has phone support but AAVE doesn't
tick Has chat support but AAVE doesn't
tick Interface supports Spanish whereas AAVE doesn't
Savings Rates
tick AAVE will pay interest on Frax (FRAX) stable coin deposits whereas Celsius Network does not
tick AAVE has a higher base saving rate for Kyber Network Crystal Legacy (KNCL) (0.873% vs 0.5%)
2 more savings rates pros ...
Savings Rates
tick Celsius Network has a higher base saving rate for 6 stable coins:
Tether (USDT) (7.1% vs 0.769%)
USD Coin (USDC) (7.1% vs 0.929%)
Dai (DAI) (4.6% vs 0.00554%)
TrueUSD (TUSD) (2.53% vs 0.368%)
Pax Dollar (USDP) (7.1% vs 0.735%)
Gemini Dollar (GUSD) (7.1% vs 1.18%)
More ...
tick Celsius Network will pay interest on 2 stable coin deposits not offered by AAVE:
3 more savings rates pros ...
cross Interface is a bit complex and confusing for amateur users
cross Ethereum gas fees can be very high
cross No built in crypto exchange
cross Very fast growth rate could lead to mistakes
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Reviews

77% based on 24 reviews
77% based on 10,341 reviews
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Savings Rates

The table below compares the savings rates for AAVE and Celsius Network. Enter the amount you intend to deposit to get a more detailed comparison.
Stable Coins
DAI Dai
0.00554% - 2.08% APY
0.00554% - 2.08% APY
FRAX Frax
1.42% APY
1.42% APY
1.18% APY
1.18% APY
TUSD TrueUSD
0.368% - 2.61% APY
0.368% - 2.61% APY
USDC USD Coin
0.929% - 1.33% APY
0.929% - 1.33% APY
USDP Pax Dollar
0.735% APY
0.735% APY
USDT Tether
0.769% - 1.85% APY
0.769% - 1.85% APY
Crypto Currencies
AMPL Ampleforth
0.211% APY
0.211% APY
BAL Balancer
2.07% - 8.6% APY
2.07% - 8.6% APY
0.53% - 1% APY
0.53% - 1% APY
1.33% - 1.36% APY
1.33% - 1.36% APY
2.06% - 13.4% APY
2.06% - 13.4% APY
0.00038% APY
0.00038% APY
0.0228% - 0.0253% APY
0.0228% - 0.0253% APY
0.392% APY
0.392% APY
ETH Ethereum
0.206% APY
0.206% APY
FEI Fei USD
2.36% APY
2.36% APY
0.873% - 1.32% APY
0.873% - 1.32% APY
LINK Chainlink
0.00303% - 0.594% APY
0.00303% - 0.594% APY
0.0925% - 0.323% APY
0.0925% - 0.323% APY
MKR Maker
0.00064% - 1.27% APY
0.00064% - 1.27% APY
1.48% APY
1.48% APY
RENFIL renFIL
1.19% APY
1.19% APY
SNX Synthetix
0.0986% - 16.6% APY
0.0986% - 16.6% APY
UNI Uniswap
0.107% APY
0.107% APY
WAVAX Wrapped AVAX
6.54% APY
6.54% APY
0.00038% - 0.0173% APY
0.00038% - 0.0173% APY
WMATIC Wrapped Matic
2.45% APY
2.45% APY
XSUSHI xSUSHI
0.00002% APY
0.00002% APY
0.0152% - 0.046% APY
0.0152% - 0.046% APY
ZRX 0x
0.00375% - 0.0881% APY
0.00375% - 0.0881% APY
Loading rates ...
Stable Coins
DAI Dai
4.6% - 7.53% APY
4.6% - 7.53% APY
7.1% - 11.7% APY
7.1% - 11.7% APY
TUSD TrueUSD
2.53% - 3.49% APY
2.53% - 3.49% APY
USDC USD Coin
7.1% - 11.7% APY
7.1% - 11.7% APY
USDP Pax Dollar
7.1% - 11.7% APY
7.1% - 11.7% APY
USDT Tether
7.1% - 11.7% APY
7.1% - 11.7% APY
UST TerraUSD
12% - 19.8% APY
12% - 19.8% APY
5.5% - 9.01% APY
5.5% - 9.01% APY
Crypto Currencies
5.02% - 8.21% APY
5.02% - 8.21% APY
AAVE Aave
4.86% - 7.96% APY
4.86% - 7.96% APY
ADA Cardano
4.06% - 6.64% APY
4.06% - 6.64% APY
AVAX Avalanche
8.3% - 13.7% APY
8.3% - 13.7% APY
1% - 1.64% APY
1% - 1.64% APY
4.51% - 7.38% APY
4.51% - 7.38% APY
BNB BNB
4.75% - 7.76% APY
4.75% - 7.76% APY
BNT Bancor
5.5% - 9.01% APY
5.5% - 9.01% APY
2.02% - 3.29% APY
2.02% - 3.29% APY
BTC Bitcoin
1% - 10.7% APY
1% - 10.7% APY
7.1% - 11.7% APY
7.1% - 11.7% APY
CEL Celsius
6.68% - 8.35% APY
6.68% - 8.35% APY
COMP Compound
4.6% - 7.53% APY
4.6% - 7.53% APY
DASH Dash
4.6% - 7.53% APY
4.6% - 7.53% APY
DOGE Dogecoin
0.5% - 0.813% APY
0.5% - 0.813% APY
DOT Polkadot
9.02% - 14.8% APY
9.02% - 14.8% APY
EOS EOS
2.53% - 3.49% APY
2.53% - 3.49% APY
3% - 4.9% APY
3% - 4.9% APY
ETH Ethereum
3.52% - 9.84% APY
3.52% - 9.84% APY
0.5% - 0.813% APY
0.5% - 0.813% APY
0.5% - 0.788% APY
0.5% - 0.788% APY
LINK Chainlink
3% - 4.9% APY
3% - 4.9% APY
LTC Litecoin
1.75% - 2.86% APY
1.75% - 2.86% APY
LUNA Terra
6.05% - 9.93% APY
6.05% - 9.93% APY
0.5% - 0.813% APY
0.5% - 0.813% APY
MATIC Polygon
7.25% - 11.9% APY
7.25% - 11.9% APY
0.5% - 0.813% APY
0.5% - 0.813% APY
PAXG PAX Gold
5.5% - 9.01% APY
5.5% - 9.01% APY
SGB Songbird
5.5% - 9.01% APY
5.5% - 9.01% APY
SNX Synthetix
14.1% - 23.3% APY
14.1% - 23.3% APY
SOL Solana
5.5% - 9.01% APY
5.5% - 9.01% APY
SUSHI SushiSwap
4.13% - 6.75% APY
4.13% - 6.75% APY
TAUD TrueAUD
2.53% - 3.49% APY
2.53% - 3.49% APY
TCAD TrueCAD
2.53% - 3.49% APY
2.53% - 3.49% APY
TGBP TrueGBP
2.53% - 3.49% APY
2.53% - 3.49% APY
THKD TrueHKD
2.53% - 3.49% APY
2.53% - 3.49% APY
UMA UMA
1% - 1.64% APY
1% - 1.64% APY
UNI Uniswap
2.5% - 4.08% APY
2.5% - 4.08% APY
3.05% - 4.99% APY
3.05% - 4.99% APY
WDGLD Wrapped DGLD
5.5% - 9.01% APY
5.5% - 9.01% APY
XLM Stellar
1% - 1.64% APY
1% - 1.64% APY
XRP XRP
2.5% - 4.08% APY
2.5% - 4.08% APY
XTZ Tezos
4.25% - 6.94% APY
4.25% - 6.94% APY
ZEC Zcash
2.02% - 3.29% APY
2.02% - 3.29% APY
ZRX 0x
1.77% - 2.88% APY
1.77% - 2.88% APY
ZUSD ZUSD
4.6% - 7.53% APY
4.6% - 7.53% APY
Loading rates ...
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Loans Rates

The table below compares the loan rates for AAVE and Celsius Network. Enter the amount you intend to borrow to get a more detailed comparison.
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Company

Legal name
Aave SAGL
Legal name
Celsius Network Limited
Year founded
2017
Year founded
2017
Country incorporated in
222
Country incorporated in
1
Headquarters country
1
Headquarters country
1
Platform token
Aave
Platform token
Celsius
Centralised
tick Yes
Centralised
tick Yes
Number of employees
50-100
Number of employees
11-50
Number of users
Number of users
745,000
Total assets under management
$18,000,000,000USD
Total assets under management
$21,000,000,000USD
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Products

Futures exchange
cross No
Futures exchange
Savings accounts
tick Yes
Savings accounts
tick Yes
Loans
tick Yes
Loans
tick Yes
Crypto to crypto exchange
tick Yes
Crypto to crypto exchange
cross No
Fiat to crypto exchange
cross No
Fiat to crypto exchange
cross No
Pro exchange marketplace
cross No
Pro exchange marketplace
cross No
Peer to peer exchange
cross No
Peer to peer exchange
cross No
Margin trading
cross No
Margin trading
Corporate accounts
cross No
Corporate accounts
tick Yes
Instantly buy crypto with fiat
cross No
Instantly buy crypto with fiat
tick Yes
Integrated crypto wallet
tick Yes
Integrated crypto wallet
tick Yes
Crypto withdrawls to private wallet
tick Yes
Crypto withdrawls to private wallet
tick Yes
Fast account verification
tick Yes
Fast account verification
tick Yes
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Security

Cold storage
cross No
Cold storage
tick Yes
Cold storage custodian
Cold storage custodian
Fireblocks & PrimeTrust
Crypto security standard
Crypto security standard
None
Two factor authentication
cross No
Two factor authentication
tick Yes
Loan over collateralisation percent
Loan over collateralisation percent
Up to 150%%
Credit check
cross No
Credit check
cross No
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Support

24/7 support
cross No
24/7 support
Email support
tick Yes
Email support
tick Yes
Phone support
cross No
Phone support
tick Yes
Chat support
cross No
Chat support
tick Yes
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Fees

Exchange fees
0% exchange fees
Exchange fees
0% exchange fees
Fiat deposit fee
Fiat deposit fee
tick Free
Fiat withdrawl fee
Fiat withdrawl fee
Free - unlimited
Crypto deposit fee
0
Crypto deposit fee
tick Free
Crypto withdrawl fee
0
Crypto withdrawl fee
Free - unlimited
Savings crypto account withdrawl limit
Unlimited
Savings crypto account withdrawl limit
$600,000 USD per day
Loan crypto account withdrawl limit
Unlimited
Loan crypto account withdrawl limit
Savings fiat account withdrawl limit
Savings fiat account withdrawl limit
$600,000 USD per day
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Registrations & Regulation

Know your customer
cross No
Know your customer
tick Yes
Regulators
Regulated in the UK by the Financial Conduct Authority
Regulators
UK Financial Conduct Authority (FCA)
Financial Conduct Authority
tick Yes
Financial Conduct Authority
tick Yes
Financial Crimes Enforcement Network
Financial Crimes Enforcement Network
tick Yes
Securities & Exchange Commission
Securities & Exchange Commission
tick Yes
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Important Message Definda does not provide any financial advice. All information is provided for research purposes only. DeFi is a rapidly evolving industry. Most businesses in the sector are very young and it is possible that some of them could go out of business in the future. Such an event could result in the loss of your investment. You should do your own research or consult a financial advisor before investing any money. Please read and satisfy yourself with our terms before continuing to use our website. We offer a free impartial comparison service of savings, loans and other DeFi products. We may receive a small commission from some of the companies listed, but this never influences our rankings. If you spot any errors in the information listed then please contact us at info@definda.com.

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