EarnPark pays up to 10% APY on BTC (vs Ledn's 4.5%), up to 15% on USDT as of November 2026 (Ledn doesn't offer USDT), and supports 20+ assets vs Ledn's 2 (BTC + USDC only). Both platforms publish Proof of Reserves. EarnPark holds a UK company registration (not a financial licence) vs Ledn's Ontario FSRA. For BTC-focused investors, EarnPark's 10% more than doubles Ledn's rate with lower withdrawal fees, though that top BTC rate comes from a strategy that settles withdrawals monthly.
EarnPark Yield Trust Score: Head-to-Head
| Dimension (20 pts each) | EarnPark | Ledn |
|---|---|---|
| Legal structure | 17/20 — UK-registered LLP OC442773 and BVI operating company (company registrations, not financial licences) | 13/20 — Ontario FSRA (Canada); no UK registration |
| Asset security | 16/20 — Fireblocks MPC for a significant portion of holdings; self-attested Proof of Reserves | 15/20 — Annual Armanino audit; Coinbase custody |
| Yield transparency | 16/20 — 20+ assets; CeDeFi strategy; all-user rates | 14/20 — Institutional lending disclosed; 2-asset only |
| Fee clarity | 17/20 — No hidden fees; ~$2 withdrawal fee | 11/20 — 30-day interest penalty on early term exit |
| Track record | 14/20 — Monthly self-attested Proof of Reserves | 13/20 — 6 years; survived 2022; annual PoR published |
EarnPark YTS: 80/100 | Ledn YTS: 66/100
APY Comparison: May 2026
| Asset | EarnPark APY | Ledn APY | Advantage |
|---|---|---|---|
| BTC | Up to 10% | Up to 4.5% | EarnPark +5.5 pp |
| USDC | Up to 10% (Nov 2026) | Up to 7.0% | EarnPark +3.0 pp |
| ETH | Up to 15% | Not offered | EarnPark only |
| USDT | Up to 15% (Nov 2026) | Not offered | EarnPark only |
| SOL | Up to 20% | Not offered | EarnPark only |
| XRP | Up to 6.5% (Nov 2026) | Not offered | EarnPark only |
| BNB | Up to 10% | Not offered | EarnPark only |
| DOGE | Up to 7% (Nov 2026) | Not offered | EarnPark only |
| LINK | Up to 20% | Not offered | EarnPark only |
| AVAX | Up to 8% | Not offered | EarnPark only |
| DAI | Up to 7% | Not offered | EarnPark only |
| + 8 more assets | ARB, ZIL, TON, XLM, TRX, BCH, DOT, POL | Not offered | EarnPark only |
Note: as of November 2026 EarnPark lists up to 10% on USDC, against Ledn's 7.0% in May 2026. For BTC, EarnPark's 10% more than doubles Ledn's 4.5%.
Net Return: $10,000 BTC, 12 Months
| Metric | EarnPark | Ledn |
|---|---|---|
| BTC APY | Up to 10% | Up to 4.5% |
| Annual yield on $10,000 | Up to $1,000 | $450 |
| BTC withdrawal fee | Flat ~$2 | 0.0005 BTC (~$41 at $82K BTC) |
| Early exit penalty | None, but the 10% strategy (BTC Alpha Vault) settles withdrawals monthly | 30 days interest forfeited (term accounts) |
| Net return (no early exit) | Up to ~$998 | $409 |
Proof of Reserves: Both Pass
| PoR Factor | EarnPark | Ledn |
|---|---|---|
| Custody provider | Fireblocks MPC for a significant portion of holdings | Coinbase Custody |
| Audit frequency | Monthly, self-attested (not an audit) | Annual (Armanino LLP) |
| Public availability | ✅ earnpark.com/en/proof-of-reserves/ | ✅ ledn.io/proof-of-reserves |
Who Ledn Is Best For
- Investors who specifically want annual Armanino LLP attestation
- BTC-backed loan users
- Canadian investors preferring Ontario FSRA regulation
Verdict: EarnPark vs Ledn
On BTC: EarnPark's 10% more than doubles Ledn's 4.5%. On USDT and all other assets beyond BTC+USDC: EarnPark is the only option. Ledn's main advantage is its Armanino annual PoR credential. For most investors holding a diversified crypto portfolio, Ledn is not a complete solution. EarnPark's broader asset coverage, higher BTC rate and lower withdrawal fees make it the stronger all-round platform.
Start earning: BTC up to 10% | ETH up to 15% | USDT up to 15% | Yield Calculator
Disclaimer: Ledn rates as of May 2026; EarnPark rates checked against its asset pages in November 2026. Rates are variable. This does not constitute financial advice.