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Figure Markets
Coinbase

Coinbase

Coinbase is one of the most popular centralized crypto exchanges. In Feb. 2026, Coinbase added the option to earn USDC rewards in BTC (with require...

River

River

River is a Bitcoin-focused savings platform. You can buy and hold BTC, alongside USD. It only serves customers in the US. Earn Bitcoin on USD Un...

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General

Platform
Coinbase logo
River logo
Founded
Coinbase 2012
River 2019
Headquarters
Coinbase Wilmington, DE
River USA
Availability
Coinbase 100+ countries
River US only, excluding NY and NV

Fees & Financial

Bonus
Coinbase
River Earn up to $100 in BTC
Token
Coinbase
River
Compounding
Coinbase No
River No
Payouts
Coinbase Varies
River Monthly
Fees
Coinbase Yes
River None
Lockup
Coinbase None
River
Maker Fee
Coinbase 0.5
River
Taker Fee
Coinbase 0.5
River

Cryptocurrency Rates

BTC Rate
Coinbase
River
BTC Max
Coinbase
River
ETH Rate
Coinbase 1.89%
River
ETH Max
Coinbase
River
Stablecoin Rate
Coinbase 0%
River

Coinbase

Review →

Pros

  • Full exchange functionality
  • Popular, highly trusted
  • Publicly traded company

Cons

Pros

  • USD interest paid out in BTC (unique)
  • FDIC-insured cash deposits

Cons

  • US only
  • Bitcoin-only, no altcoin support