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Home Platforms AAVE vs Kraken

Compare AAVE vs Kraken

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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 rating on Trustpilot than Kraken (3.2 vs 2.2 stars)
tick Has less assets under management than Kraken
tick Offers loans but Kraken doesn't
tick Account verification in less than 1 hour available on AAVE but not on Kraken
tick Know your customer checks are required on AAVE but not on Kraken
tick One of the biggest crypto exchanges in the world
tick Large selection of supported cryptocurrencies
tick Very competitive maker and taker fees
tick Available in almost all countries
tick Higher average review rating than AAVE (80% vs 76%)
tick More reviews than AAVE (19,858 vs 24 reviews)
tick Been in business longer than AAVE (Founded 2011 vs 2017)
tick Futures exchange available on Kraken but not on AAVE
tick Fiat exchange available on Kraken but not on AAVE
tick Pro exchange marketplace available on Kraken but not on AAVE
tick Margin trading available on Kraken but not on AAVE
tick Offers corporate accounts but AAVE doesn't
tick Instantly buy crypto with fiat on Kraken but not on AAVE
tick Kraken uses cold storage crypto wallets but AAVE does not
tick Kraken uses two factor authentication but AAVE does not
tick Has 24/7 support but AAVE doesn't
tick Has phone support but AAVE doesn't
tick Has chat support but AAVE doesn't
tick Interface supports French, Japanese, Turkish, Vietnamese, Portuguese-Portuguese, Spanish, Simplified Chinese, Russian, Italian and Filipino whereas AAVE doesn't
Savings Rates
tick AAVE will pay interest on 7 stable coin deposits not offered by Kraken:
Tether (USDT)
USD Coin (USDC)
Dai (DAI)
TrueUSD (TUSD)
Pax Dollar (USDP)
Gemini Dollar (GUSD)
Frax (FRAX)
More ...
tick AAVE will pay interest on 23 crypto currency deposits not offered by Kraken:
Binance USD (BUSD)
Wrapped Bitcoin (WBTC)
Uniswap (UNI)
Chainlink (LINK)
Decentraland (MANA)
Maker (MKR)
Basic Attention Token (BAT)
Enjin Coin (ENJ)
Fei USD (FEI)
Curve DAO Token (CRV)
0x (ZRX)
Synthetix (SNX)
yearn.finance (YFI)
Balancer (BAL)
Ethereum Name Service (ENS)
DeFi Pulse Index (DPI)
Ampleforth (AMPL)
Rai Reflex Index (RAI)
Wrapped AVAX (WAVAX)
Wrapped Matic (WMATIC)
xSUSHI (XSUSHI)
Kyber Network Crystal Legacy (KNCL)
renFIL (RENFIL)
More ...
1 more savings rates pro ...
Savings Rates
tick Kraken has a higher base saving rate for Ethereum (ETH) (5.5% vs 0.206%)
tick Kraken will pay interest on 11 crypto currency deposits not offered by AAVE:
Bitcoin (BTC)
Cardano (ADA)
Solana (SOL)
Polkadot (DOT)
Cosmos (ATOM)
Algorand (ALGO)
Flow (FLOW)
Tezos (XTZ)
Kusama (KSM)
Kava (KAVA)
Mina (MINA)
More ...
1 more savings rates pro ...
Loan Rates
tick AAVE offers loans in 3 stable coin deposits not offered by Kraken:
USD Coin (USDC)
Dai (DAI)
TrueUSD (TUSD)
More ...
tick AAVE offers loans in 21 crypto currency deposits not offered by Kraken:
Ethereum (ETH)
Wrapped Bitcoin (WBTC)
Uniswap (UNI)
Chainlink (LINK)
Decentraland (MANA)
Maker (MKR)
Aave (AAVE)
Basic Attention Token (BAT)
Enjin Coin (ENJ)
Fei USD (FEI)
Curve DAO Token (CRV)
Synthetix (SNX)
0x (ZRX)
yearn.finance (YFI)
Balancer (BAL)
Ethereum Name Service (ENS)
DeFi Pulse Index (DPI)
Wrapped AVAX (WAVAX)
Wrapped Matic (WMATIC)
xSUSHI (XSUSHI)
Kyber Network Crystal Legacy (KNCL)
More ...
1 more loan rates pro ...
cross Interface is a bit complex and confusing for amateur users
cross Transaction (gas) fees on the Ethereum network can be high, but AAVE does support a number of much cheaper Ethereum sidechains including Polygon and Avalanche
cross A bit complex for beginners
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Reviews
76% based on 24 reviews
80% based on 19,858 reviews
User Reviews
Overall User Rating
79%
16 reviews
64%
1 review
80%
15 reviews
User Reviews
Overall User Rating
80%
19,619 reviews
44%
1,710 reviews
80%
98 reviews
82%
457 reviews
84%
17,257 reviews
80%
14 reviews
90%
5 reviews
90%
56 reviews
28%
20 reviews
89%
2 reviews
Expert Reviews
Overall Expert Rating
70%
8 reviews
70%
72%
60%
59%
75%
96%
42%
88%
Show All Expert Reviews
Expert Reviews
Overall Expert Rating
60%
239 reviews
90%
80%
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76%
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96%
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78%
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82%
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20%
87%
80%
48%
100%
48%
75%
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60%
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88%
82%
88%
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76%
100%
92%
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92%
77%
100%
78%
85%
91%
Show All Expert Reviews
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Savings Rates
The table below compares the savings rates for AAVE and Kraken. Enter the amount you intend to deposit to get a more detailed comparison.
Stable Coins
DAI Dai
0.00554% - 0.881% APY
0.00554% - 0.881% APY
FRAX Frax
1.33% APY
1.33% APY
0.446% APY
0.446% APY
TUSD TrueUSD
0.367% - 0.522% APY
0.367% - 0.522% APY
USDC USD Coin
0.26% - 0.72% APY
0.26% - 0.72% APY
USDP Pax Dollar
1.52% APY
1.52% APY
USDT Tether
0.29% - 1.31% APY
0.29% - 1.31% APY
Crypto Currencies
AMPL Ampleforth
0.342% APY
0.342% APY
BAL Balancer
1.82% - 1.9% APY
1.82% - 1.9% APY
0.148% - 1.01% APY
0.148% - 1.01% APY
0.194% - 0.563% APY
0.194% - 0.563% APY
1.62% - 2.39% APY
1.62% - 2.39% APY
0.0148% APY
0.0148% APY
0.0387% - 0.664% APY
0.0387% - 0.664% APY
0.0545% APY
0.0545% APY
ETH Ethereum
0.206% APY
0.206% APY
FEI Fei USD
0.568% APY
0.568% APY
0.908% - 9.38% APY
0.908% - 9.38% APY
LINK Chainlink
0.0052% - 0.95% APY
0.0052% - 0.95% APY
0.137% - 0.503% APY
0.137% - 0.503% APY
MKR Maker
0.00072% - 1.52% APY
0.00072% - 1.52% APY
2.44% APY
2.44% APY
RENFIL renFIL
0.705% APY
0.705% APY
SNX Synthetix
0.301% - 16.3% APY
0.301% - 16.3% APY
UNI Uniswap
0.276% APY
0.276% APY
WAVAX Wrapped AVAX
0.671% APY
0.671% APY
0.00317% - 0.0115% APY
0.00317% - 0.0115% APY
WMATIC Wrapped Matic
1.54% APY
1.54% APY
XSUSHI xSUSHI
0.00002% APY
0.00002% APY
0.04% - 0.907% APY
0.04% - 0.907% APY
ZRX 0x
0.00409% - 0.0705% APY
0.00409% - 0.0705% APY
Loading rates ...
Stable Coins
Crypto Currencies
ADA Cardano
5% APR
5% APR
ALGO Algorand
4.75% APR
4.75% APR
ATOM Cosmos
7.5% APR
7.5% APR
BTC Bitcoin
0.25% APR
0.25% APR
DOT Polkadot
12% APR
12% APR
ETH Ethereum
5.5% APR
5.5% APR
FLOW Flow
7.5% APR
7.5% APR
KAVA Kava
23% APR
23% APR
KSM Kusama
18% APR
18% APR
MINA Mina
16% APR
16% APR
SOL Solana
6.5% APR
6.5% APR
XTZ Tezos
4.7% APR
4.7% APR
Loading rates ...
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Loans Rates
The table below compares the loan rates for AAVE and Kraken. Enter the amount you intend to borrow to get a more detailed comparison.
Stable Coins
DAI Dai
1.47% - 4.64% APY
77% LTV 1.47% - 4.64% APY
TUSD TrueUSD
1.62% - 1.94% APY
80% LTV 1.62% - 1.94% APY
USDC USD Coin
1.61% - 2.11% APY
85.5% LTV 1.61% - 2.11% APY
Crypto Currencies
AAVE Aave
3% APY
50% LTV 3% APY
BAL Balancer
5.79% - 6.03% APY
65% LTV 5.79% - 6.03% APY
BAT Basic Attention Token
1.37% - 3.79% APY
75% LTV 1.37% - 3.79% APY
CRV Curve DAO Token
5.76% - 6.55% APY
55% LTV 5.76% - 6.55% APY
DPI DeFi Pulse Index
0.509% APY
65% LTV 0.509% APY
ENJ Enjin Coin
0.776% - 6.17% APY
60% LTV 0.776% - 6.17% APY
ENS Ethereum Name Service
1.03% APY
50% LTV 1.03% APY
ETH Ethereum
0.91% APY
0.75% LTV 0.91% APY
FEI Fei USD
1.82% APY
65% LTV 1.82% APY
KNCL Kyber Network Crystal Legacy
3.33% - 25.5% APY
60% LTV 3.33% - 25.5% APY
LINK Chainlink
0.26% - 4.29% APY
70% LTV 0.26% - 4.29% APY
MANA Decentraland
1.05% - 3.14% APY
61.5% LTV 1.05% - 3.14% APY
MKR Maker
0.0824% - 5.39% APY
65% LTV 0.0824% - 5.39% APY
SNX Synthetix
4.1% - 15% APY
49% LTV 4.1% - 15% APY
UNI Uniswap
2.31% APY
60% LTV 2.31% APY
WAVAX Wrapped AVAX
2.77% APY
50% LTV 2.77% APY
WBTC Wrapped Bitcoin
0.101% - 0.418% APY
70% LTV 0.101% - 0.418% APY
WMATIC Wrapped Matic
4.92% APY
65% LTV 4.92% APY
XSUSHI xSUSHI
0.0204% APY
50% LTV 0.0204% APY
YFI yearn.finance
0.769% - 4.2% APY
50% LTV 0.769% - 4.2% APY
ZRX 0x
0.205% - 1.11% APY
65% LTV 0.205% - 1.11% APY
Loading rates ...
Stable Coins
Crypto Currencies
Loading rates ...
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Company
Legal name
Aave SAGL
Legal name
Payward Inc
Year founded
2017
Year founded
2011
Country incorporated in
222
Country incorporated in
2
Headquarters country
1
Headquarters country
2
Platform token
Aave
Platform token
Centralised
tick Yes
Centralised
tick Yes
Number of employees
50-100
Number of employees
250
Number of users
Number of users
4,000,000
Total assets under management
$18,000,000,000USD
Total assets under management
$10,000,000,000USD
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Products
Futures exchange
cross No
Futures exchange
tick Yes
Savings accounts
tick Yes
Savings accounts
tick Yes
Loans
tick Yes
Loans
cross No
Crypto to crypto exchange
tick Yes
Crypto to crypto exchange
tick Yes
Fiat to crypto exchange
cross No
Fiat to crypto exchange
tick Yes
Pro exchange marketplace
cross