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Home Platforms AQRU vs Hodlnaut

Compare AQRU vs Hodlnaut

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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 Fiat exchange available on AQRU but not on Hodlnaut
tick Instantly buy crypto with fiat on AQRU but not on Hodlnaut
tick Very simple easy to understand interface
tick Interest accrued daily and paid out weekly
tick Enhanced interest rates available for big depositors (over 100 BTC)
tick Higher average review rating than AQRU (95% vs 81%)
tick More reviews than AQRU (917 vs 76 reviews)
tick Higher rating on Trustpilot than AQRU (4.8 vs 4.1 stars)
tick Been in business longer than AQRU (Founded 2019 vs 2021)
tick Offers loans but AQRU doesn't
tick Has a lower level of insurance than AQRU
Savings Rates
tick AQRU has a higher base saving rate for 2 stable coins:
Tether (USDT) (3% vs 0.5%)
USD Coin (USDC) (7% vs 0.5%)
Savings Rates
tick Hodlnaut has a higher base saving rate for Dai (DAI) (3% vs 3%)
tick Hodlnaut has a higher base saving rate for 2 crypto currencies:
Bitcoin (BTC) (1.5% vs 1%)
Ethereum (ETH) (3% vs 1%)
2 more savings rates pros ...
cross High $20 fee for crypto withdrawls
cross Limited number of coins supported
cross Difficult to view / download earnings history
cross No phone app currently available
cross No loans available through the web app
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Reviews

81% based on 76 reviews
95% based on 917 reviews
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Savings Rates

The table below compares the savings rates for AQRU and Hodlnaut. Enter the amount you intend to deposit to get a more detailed comparison.
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
1% APY
1% APY
Loading rates ...
Stable Coins
DAI Dai
3% - 8% APR
3% - 8% APR
USDC USD Coin
0.5% - 9% APR
0.5% - 9% APR
USDT Tether
0.5% - 9% APR
0.5% - 9% APR
Crypto Currencies
BTC Bitcoin
1.5% - 5.2% APR
1.5% - 5.2% APR
ETH Ethereum
3% - 5.3% APR
3% - 5.3% APR
1.5% - 5.2% APR
1.5% - 5.2% APR
Loading rates ...
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Loans Rates

The table below compares the loan rates for AQRU and Hodlnaut. Enter the amount you intend to borrow to get a more detailed comparison.
No loan rates found
Loading rates ...
No loan rates found
Loading rates ...
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Company

Legal name
AQRU Plc
Legal name
Hodlnaut Pte. Ltd
Year founded
2021
Year founded
2019
Country incorporated in
42
Country incorporated in
206
Headquarters country
1
Headquarters country
206
Centralised
tick Yes
Centralised
tick Yes
Number of employees
Number of employees
11-50
Number of users
Number of users
1,000
Total assets under management
Total assets under management
$250,000,000USD
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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
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
tick Yes
Corporate accounts
tick Yes
Instantly buy crypto with fiat
tick Yes
Instantly buy crypto with fiat
cross No
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

Insurance level
$30,000,000USD
Insurance level
$44,000,000USD
Cold storage
Cold storage
tick Yes
Cold storage custodian
Fireblocks
Cold storage custodian
BitGo, Fireblocks
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
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Support

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

Exchange fees
Exchange fees
0% exchange fees
Fiat deposit fee
tick Free
Fiat deposit fee
Fiat deposits not accepted
Fiat withdrawl fee
tick Free
Fiat withdrawl fee
Fiat withdrawls not accepted
Crypto deposit fee
tick Free
Crypto deposit fee
tick Free
Crypto withdrawl fee
$20 withdrawl fee
Crypto withdrawl fee
1 free crypto withdrawl per month, Bitcoin 0.0004BTC, DAI 10 DAI, Ethereum 0.0036 ETH, USD Coin 10 USDC, Tether 10 USDT
Savings crypto account withdrawl limit
Savings crypto account withdrawl limit
100 BTC per 24 hours
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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
Hodlnaut is in the process of applying for approval under the Payment Services Act in Singapore
Bulgarian National Revenue Agency
tick Yes
Bulgarian National Revenue Agency
Singapore Fintech Association
Singapore Fintech Association
tick Yes
Payment Services Act 2020
Payment Services Act 2020
tick Yes
Major Payment Institution License - Monetary Authority of Singapore (MAS) under the Payment Services
Major Payment Institution License - Monetary Authority of Singapore (MAS) under the Payment Services
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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