CIR animation

We compare crypto platforms and may earn a commission at no extra cost to you. Learn more

Coin Interest RateCoin Interest Rate
Email Alerts

HTX vs River

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

HTX

HTX

HTX Earn has flexible and fixed products, plus staking, new-token campaigns, VIP offers, and structured products. Its flexible product compounds hourl...

Score4.3
Visit SiteReview
VS
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 Uniquely...

Score4.2
Visit SiteReview

General

Platform
HTXlogo
Riverlogo
Founded
HTX2013
River2019
Headquarters
HTXChina
RiverUSA
Availability
HTXWorldwide, excluding US
RiverUS only, excluding NY and NV

Fees & Financial

Bonus
HTX
RiverEarn up to $100 in BTC
Token
HTXHTX
River
Compounding
HTXNo
RiverNo
Payouts
HTX
RiverMonthly
Fees
HTX
RiverNone
Lockup
HTX
River
Maker Fee
HTX0.02
River
Taker Fee
HTX0.04
River

Cryptocurrency Rates

BTC Rate
HTX
River
BTC Max
HTX
River
ETH Rate
HTX3%
River
ETH Max
HTX
River
Stablecoin Rate
HTX4%
River

Pros

  • Flexible Earn begins accruing after the next full hour and compounds hourly.
  • Offers flexible, fixed, and network-staking products with different term choices.
  • Auto-Earn can allocate eligible idle spot balances.

Cons

  • HTX may delay flexible redemptions when platform liquidity is insufficient.
  • Headline rates often depend on promotions, balance caps, or VIP status.
  • Fixed products do not allow early redemption.

River

Review

Pros

  • USD interest paid in BTC
  • FDIC-insured USD deposits

Cons

  • US only
  • Bitcoin-only