Bitfinex vs Zengo

Compare rates, fees, access, and key features side by side.

Bitfinex

Quick takeBitfinex provides two separate ways to earn: proof-of-stake rewards and peer-to-peer funding for margin traders. Funding gives customers con...

Score3.9

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Zengo

Quick takeZengo is a self-custodial crypto wallet with built-in Ethereum staking. Instead of using a seed phrase, the wallet uses multi-party computat...

Score4.1

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Comparison

General

Platform

Bitfinex

Zengo

Founded

Bitfinex2012

Zengo2018

Headquarters

BitfinexBritish Virgin Islands

ZengoIsrael

Availability

BitfinexWorldwide, excluding US

ZengoWorldwide

Fees & Financial

Bonus

Bitfinex6% discount on fees

Zengo

Token

Bitfinex

Zengo

Compounding

BitfinexNo

ZengoNo

Payouts

BitfinexWeekly

ZengoDaily

Fees

BitfinexYes

Zengo

Lockup

Bitfinex

Zengo

Maker Fee

Bitfinex0.1

Zengo

Taker Fee

Bitfinex0.2

Zengo

Cryptocurrency Rates

BTC Rate

Bitfinex1.98%

Zengo

BTC Max

Bitfinex

Zengo

ETH Rate

Bitfinex

Zengo

ETH Max

Bitfinex3%

Zengo4%

Stablecoin Rate

Bitfinex

Zengo

Bitfinex

Review

Pros

Peer-to-peer funding lets customers choose offered rates and terms.
Lending Pro can automate funding offers within customer-set rules.
Staking and lending are presented as separate products with different return sources.

Cons

Bitfinex takes 15% of ordinary funding income.
Funding adds borrower, collateral, and liquidation-system risk.
The platform is unavailable to U.S. customers.

Zengo

Review

Pros

ETH can be staked from a self-custodial wallet without transferring it to a centralized exchange account.
Rewards accrue daily and auto-compound after activation, with no fixed staking term.

Cons

Ethereum staking requires at least 0.1 ETH, takes about 12 days to begin earning, and takes about 10 days to unstake and claim.
The earn selection is limited, and users depend on Everstake for the validator service.