CeFi vs DeFi Yield Comparison
Head-to-head comparison of centralized and decentralized crypto yield platforms.
DeFiAvg 1.92%
✓Non-custodial
✓Higher yields
✓Transparent code
✓No KYC required
✗Requires Web3 wallet
✗Smart contract risk
✗Gas fees on Ethereum
✗More technical
CeFiAvg 3.49%
✓Easy to use
✓Customer support
✓No wallet needed
✓KYC = regulated
✗Custodial
✗Lower yields
✗Company risk
✗KYC required
Top DeFi Yields
| # | Platform | Asset | Type | APY | Risk | Lockup | TVL | |
|---|
| 1 | |  STETH | Staking | 30d: 2.23% | Low | Flexible | $24.15B | Go |
| 2 | BI binance-staked-eth Ethereum | | Savings | 30d: 2.26% | Low | Flexible | $8.80B | Go |
| 3 | | | Savings | 30d: 2.35% | Low | Flexible | $5.37B | Go |
| 4 | | | Savings | 30d: 3.55% | Low | Flexible | $4.65B | Go |
| 5 | | | Lending | 30d: 0.00% | Low | Flexible | $3.62B | Go |
| 6 | | | Lending | 30d: 0.00% | Low | Flexible | $2.80B | Go |
| 7 | |  USDC | Savings | 30d: 4.92% | Low | Flexible | $2.63B | Go |
| 8 | |  WBTC | Lending | 30d: 0.01% | Low | Flexible | $2.57B | Go |
DeFi rates live from DefiLlamaCeFi rates updated weekly Top CeFi Yields
| Platform | Asset | APY | Risk | Lockup |
|---|
| Binance | USDC | 4.20% | Low | Flexible |
| Nexo | USDC | 4.00% | Medium | Flexible |
| Kraken | USDC | 3.35% | Low | Flexible |
| Crypto.com | USDC | 3.60% | Medium | Flexible |
| Binance | BTC | 2.80% | Medium | Flexible |
| Nexo | BTC | 3.00% | Medium | Flexible |