● HEAD-TO-HEAD Сравнения
Nexo vs Ledn
Две самые надежные платформы для получения дохода от криптовалют — какая из них подходит для ваших биткойнов?
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§ 01 ОЧНАЯ СТАВКА
Сравнение «один на один»
| Особенность | Nexo | Ledn | Победитель |
|---|---|---|---|
| Наш результат | 7.8/10 | 5.4/10 | ✓ Nexo |
| Макс APY | 16% (60+ assets) | 9% (USDC) | ✓ Nexo |
| BTC APY | ~7% | 7.5% | ✓ Ledn |
| Proof of Reserves | Да (Armanino) | Да (Chainalysis) | = Ничья |
| Trustpilot | ★ 4.5 | ★ 4.7 | = Ничья |
| Debit Card | Да (Mastercard) | Нет | ✓ Nexo |
| Криптовалютные кредиты | Да (60+ assets) | Да (BTC only) | ✓ Nexo |
| Поддерживаемые криптовалюты | 60 | 2 (BTC, USDC) | ✓ Nexo |
| DeFi Exposure | Minimal | None (institutional only) | ✓ Ledn |
§ 02 ПЛЮСЫ И МИНУСЫ
Nexo — pros and cons
✓ Pros
- ✓ Industry-leading APY rates (up to 16%)
- ✓ Instant crypto-backed loans with no credit check
- ✓ Nexo Mastercard works in 200+ countries
- ✓ Regulated and audited (Armanino Proof of Reserves)
- ✓ Free to use — no monthly fees
- ✓ 60+ supported assets
✗ Cons
- ✗ Best rates require holding NEXO token (lock-in risk)
- ✗ Not available in the US
- ✗ Customer support can be slow
- ✗ Not a licensed bank — no deposit guarantee scheme
§ 03 ПЛЮСЫ И МИНУСЫ
Ledn — pros and cons
✓ Pros
- ✓ 4.7/5 Trustpilot — most trusted among BTC yield platforms
- ✓ Monthly Proof of Reserves via Chainalysis
- ✓ No DeFi exposure — institutional borrowers only
- ✓ BTC-backed loans without selling your Bitcoin
- ✓ Transparent, simple fee structure
- ✓ Strong post-FTX track record
✗ Cons
- ✗ Only BTC and USDC — no altcoins at all
- ✗ No debit card — not a day-to-day banking solution
- ✗ No IBAN or SEPA — purely a savings/lending platform
- ✗ Cayman Islands registered — no deposit guarantee scheme
- ✗ Loan minimum $1,000
§ 04 ВОПРОСЫ И ОТВЕТЫ
Часто задаваемые вопросы
Is Nexo or Ledn safer for crypto yield? +
Both are reputable. Ledn publishes monthly Proof of Reserves via Chainalysis — the gold standard post-FTX. Nexo publishes PoR via Armanino. Ledn's 4.7 Trustpilot score matches Nexo's at the user satisfaction level. Ledn deploys funds only to institutional borrowers (no DeFi exposure), which many consider lower risk.
Which pays higher yield — Nexo or Ledn? +
Nexo offers higher headline rates (up to 16% APY across 60+ assets). Ledn focuses on BTC (up to 7.5% APY) and USDC (up to 9% APY). For Bitcoin specifically, Ledn's rate is competitive and comes with stronger transparency.
Does Ledn have a debit card? +
No. Ledn is a savings and lending platform, not a bank. It has no debit card, no IBAN, and no payment features. If you need a card, Nexo (Mastercard) or Revolut are better options.
Is Ledn available in the US? +
Some Ledn products are restricted for US residents. Nexo does not operate in the US at all. For US users, Kraken Bank is the recommended alternative.
§ 05 СРАВНИТЬ ТАКЖЕ