Sign In
Sign Up
DeFinda Logo
Find & Compare DeFi Products
usd logo USD
Home Platforms AQRU vs Coinloan

Compare AQRU vs Coinloan

vs
Add / remove platforms

Pros & Cons

tick Simple, easy to use interface.
tick Competitive exchange rates.
tick Competitive interest rates for large deposits.
tick Clear ownership structure and regulatory status.
tick Run by strong, professional team.
tick No tiered savings rates. Rate applies to entire balance.
tick High LTV of up to 70% available on loans
tick High savings account interest rates
tick Daily compound interest
tick All savings accounts are instant access
tick Full transparency on company location and regulation status
tick No hidden fees
tick Simple and intuitive web and phone app
tick No credit checks
tick Russian and German language versions
tick Higher average review rating than AQRU (90% vs 80%)
tick More reviews than AQRU (1,044 vs 138 reviews)
tick Higher rating on Trustpilot than AQRU (4.3 vs 4 stars)
tick Been in business longer than AQRU (Founded 2017 vs 2021)
tick Offers loans but AQRU doesn't
tick Has a lower level of insurance than AQRU
tick Has 24/7 support but AQRU doesn't
tick Has phone support but AQRU doesn't
tick Invests in DeFi products but AQRU doesn't
tick Interface supports Russian and German whereas AQRU doesn't
Savings Rates
tick Coinloan will pay interest on 3 fiat currency deposits not offered by AQRU:
Pounds Sterling (GBP)
Euros (EUR)
Russian Ruble (RUB)
More ...
tick Coinloan has a higher base saving rate for 3 stable coins:
Tether (USDT) (10.3% vs 3%)
USD Coin (USDC) (10.3% vs 7%)
Dai (DAI) (10.3% vs 3%)
More ...
4 more savings rates pros ...
Loan Rates
tick Coinloan offers loans in 2 fiat currency deposits not offered by AQRU:
Pounds Sterling (GBP)
Euros (EUR)
tick Coinloan offers loans in 4 stable coin deposits not offered by AQRU:
2 more loan rates pros ...
cross High $20 fee for crypto withdrawls.
cross Limited number of coins supported.
cross Loans not available.
cross Need to manually fund savings accounts rather all deposits automatically earning interest.
cross Withdrawls from savings account are not instant. They are processed daily at 14:00 UTC.
cross Funds must be manually moved from wallet to interest account to start earning interest
cross Savings account interest calculated daily but only paid out monthly
cross Low LTV required to get the best loan rates
cross 1% loan setup fee (0.5% if paid in CLT)
cross No loans in USD available
cross High LTV of up to 70% could put savers at risk in the event of a crypto crash
Go To Platform
Go To Platform

Reviews

80% based on 138 reviews
90% based on 1,044 reviews
Go To Platform
Go To Platform

Savings Rates

The table below compares the savings rates for AQRU and Coinloan. Enter the amount you intend to deposit to get a more detailed comparison.
Fiat Currencies
Stable Coins
DAI Dai
3% APY
3% APY
USDC USD Coin
7% APY
7% APY
USDT Tether
3% APY
3% APY
Crypto Currencies
BTC Bitcoin
1% APY
1% APY
ETH Ethereum
5% APY
5% APY
Loading rates ...
Fiat Currencies
EUR Euros
10.3% APY
10.3% APY
GBP Pounds Sterling
10.3% APY
10.3% APY
RUB Russian Ruble
8.3% APY
8.3% APY
Stable Coins
DAI Dai
10.3% - 12.3% APY
10.3% - 12.3% APY
TUSD TrueUSD
10.3% - 12.3% APY
10.3% - 12.3% APY
USDC USD Coin
10.3% - 12.3% APY
10.3% - 12.3% APY
USDP Pax Dollar
10.3% - 12.3% APY
10.3% - 12.3% APY
USDT Tether
10.3% - 12.3% APY
10.3% - 12.3% APY
Crypto Currencies
ADA Cardano
7.2% - 9.2% APY
7.2% - 9.2% APY
5.2% - 7.2% APY
5.2% - 7.2% APY
BNB BNB
7.2% - 9.2% APY
7.2% - 9.2% APY
BTC Bitcoin
5.2% - 7.2% APY
5.2% - 7.2% APY
10.3% - 12.3% APY
10.3% - 12.3% APY
DOT Polkadot
5.2% - 7.2% APY
5.2% - 7.2% APY
ETH Ethereum
5.2% - 7.2% APY
5.2% - 7.2% APY
LINK Chainlink
5.2% - 7.2% APY
5.2% - 7.2% APY
LTC Litecoin
5.2% - 7.2% APY
5.2% - 7.2% APY
MKR Maker
5.2% - 7.2% APY
5.2% - 7.2% APY
PAXG PAX Gold
5.2% - 7.2% APY
5.2% - 7.2% APY
SOL Solana
7.2% - 9.2% APY
7.2% - 9.2% APY
5.2% - 7.2% APY
5.2% - 7.2% APY
XLM Stellar
5.2% - 7.2% APY
5.2% - 7.2% APY
XMR Monero
3% - 5% APY
3% - 5% APY
XRP XRP
5.2% - 7.2% APY
5.2% - 7.2% APY
Loading rates ...
Go To Platform
Go To Platform

Loans Rates

The table below compares the loan rates for AQRU and Coinloan. Enter the amount you intend to borrow to get a more detailed comparison.
Fiat Currencies
Stable Coins
Crypto Currencies
Loading rates ...
Fiat Currencies
EUR Euros
4.5% - 12% APR
70% LTV 4.5% - 12% APR
GBP Pounds Sterling
4.5% - 12% APR
70% LTV 4.5% - 12% APR
Stable Coins
TUSD TrueUSD
4.5% - 12% APR
70% LTV 4.5% - 12% APR
USDC USD Coin
4.5% - 12% APR
70% LTV 4.5% - 12% APR
USDP Pax Dollar
4.5% - 12% APR
70% LTV 4.5% - 12% APR
USDT Tether
4.5% - 12% APR
70% LTV 4.5% - 12% APR
Crypto Currencies
BTC Bitcoin
4.5% - 7.5% APR
70% LTV 4.5% - 7.5% APR
BUSD Binance USD
4.5% - 12% APR
70% LTV 4.5% - 12% APR
ETH Ethereum
4.5% - 7.5% APR
70% LTV 4.5% - 7.5% APR
LINK Chainlink
4.5% - 7.5% APR
70% LTV 4.5% - 7.5% APR
LTC Litecoin
4.5% - 7.5% APR
70% LTV 4.5% - 7.5% APR
WBTC Wrapped Bitcoin
4.5% - 7.5% APR
70% LTV 4.5% - 7.5% APR
XMR Monero
4.5% - 7.5% APR
70% LTV 4.5% - 7.5% APR
XRP XRP
4.5% - 7.5% APR
70% LTV 4.5% - 7.5% APR
Loading rates ...
Go To Platform
Go To Platform

Company

Legal name
AQRU Plc
Legal name
CoinLoan OÜ
Year founded
2021
Year founded
2017
Country incorporated in
42
Country incorporated in
77
Headquarters country
1
Headquarters country
77
Platform token
Platform token
CoinLoan
Centralised
tick Yes
Centralised
tick Yes
Number of employees
Number of employees
11-50
Total assets under management
$50,000,000USD
Total assets under management
Go To Platform
Go To Platform

Products

Futures exchange
cross No
Futures exchange
Savings accounts
tick Yes
Savings accounts
tick Yes
Loans
cross No
Loans
tick Yes
Crypto to crypto exchange
tick Yes
Crypto to crypto exchange
tick Yes
Fiat to crypto exchange
tick Yes
Fiat to crypto exchange
tick Yes
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
tick Yes
Corporate accounts
tick Yes
Instantly buy crypto with fiat
tick Yes
Instantly buy crypto with fiat
tick Yes
Integrated crypto wallet
tick Yes
Integrated crypto wallet
tick Yes
Fast account verification
tick Yes
Fast account verification
tick Yes
Go To Platform
Go To Platform

Security

Insurance level
$30,000,000USD
Insurance level
$100,000,000USD
Cold storage
Cold storage
tick Yes
Cold storage custodian
Fireblocks
Cold storage custodian
BitGo
Two factor authentication
tick Yes
Two factor authentication
tick Yes
Loan over collateralisation percent
Over 100% over-collateralisation%
Loan over collateralisation percent
Credit check
cross No
Credit check
cross No
Go To Platform
Go To Platform

Support

24/7 support
cross No
24/7 support
tick Yes
Email support
tick Yes
Email support
tick Yes
Phone support
cross No
Phone support
tick Yes
Chat support
tick Yes
Chat support
tick Yes
Go To Platform
Go To Platform

Fees

Exchange fees
0.35% flat rate
Exchange fees
0% exchange fees
Fiat deposit fee
tick Free
Fiat deposit fee
tick Free
Crypto deposit fee
tick Free
Crypto deposit fee
tick Free
Go To Platform
Go To Platform

Investment Strategy

Liquidity pools
Liquidity pools
cross No
DeFi products
tick Yes
DeFi products
cross No
Unsecured loans
Unsecured loans
cross No
Independent proof of reserves
cross No
Independent proof of reserves
cross No
Go To Platform
Go To Platform

Registrations & Regulation

Know your customer
tick Yes
Know your customer
tick Yes
Regulators
Accru is registered as a Cryptoasset service provider with the Bulgarian National Revenue Agency. Accru has a pending application with the UK Financial Conduct Authority for approval as a crypto asset business
Regulators
Regulated in Estonia
Bulgarian National Revenue Agency
tick Yes
Bulgarian National Revenue Agency
Financial Crimes Enforcement Network
Financial Crimes Enforcement Network
tick Yes
IRS - Foreign Account Tax Compliance Act
IRS - Foreign Account Tax Compliance Act
tick Yes
European Union Intellectual Property Office Trademark
European Union Intellectual Property Office Trademark
tick Yes
Majandustegevuse Register - Virtual Currency Provider License
Majandustegevuse Register - Virtual Currency Provider License
tick Yes
Majandustegevuse Register - Financial Institution License
Majandustegevuse Register - Financial Institution License
tick Yes
PCI DSS v3.2.1 Level 1
PCI DSS v3.2.1 Level 1
tick Yes
CryptoCurrency Security Standard (CCSS)
CryptoCurrency Security Standard (CCSS)
tick Yes
Go To Platform
Go To Platform

Other Platform Comparisons

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.

Why Compare With Definda?

tick Completely Impartial

We always rank and compare products objectively and impartially.

tick Careful Research

We carefully research products for legitimacy before adding them to the platform.

tick We Never Sell Your Data

We never sell or disclose your data to anyone.

© DeFinda 2022