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Pairs vs Phemex
Compare rates, fees, access, and key features side by side.
Pairs
Pairs, formerly Fideum and before that blockbank, is a crypto banking super app that combines CeFi, DeFi, and traditional banking features in one acco...
Score2.9Comparison score only. Not investment advice or a guarantee of safety or returns.
VS
Phemex
Phemex offers Flexible Savings and a separate lending pool where supplied assets earn interest from borrowers. Flexible Savings can be redeemed withou...
Score4.3Comparison score only. Not investment advice or a guarantee of safety or returns.
General
Platform
Pairs
Phemex
Founded
Pairs2018
Phemex2019
Headquarters
PairsGibraltar
PhemexSingapore
Availability
PairsWorldwide
PhemexRestricted in the U.S., UK, Australia and other listed jurisdictions; Canadian restrictions include Ontario, Quebec, Alberta and Saskatchewan.
Fees & Financial
Bonus
PairsUse referral code: SoDXjaMP for $5 bonus on sign up
Phemex$20 bonus
Token
PairsPAIRS
Phemex
Compounding
PairsNo
PhemexNo
Payouts
Pairs
Phemex
Fees
Pairs
Phemex
Lockup
Pairs
Phemex
Maker Fee
Pairs
Phemex0.1
Taker Fee
Pairs
Phemex0.1
Cryptocurrency Rates
BTC Rate
Pairs
Phemex1%
BTC Max
Pairs
Phemex3%
ETH Rate
Pairs
Phemex1.5%
ETH Max
Pairs
Phemex3%
Stablecoin Rate
Pairs
Phemex2%
Pairs
ReviewPros
- CeFi, DeFi, and traditional banking combined in one app
- Pays interest on crypto deposits across a wide range of coins
Cons
- Meaningful rates require holding the $PAIRS token
- No compounding on deposits
- Custodial: Pairs and its custodians hold your assets
Phemex
ReviewPros
- Flexible Savings redeems with no lockup and pays rewards daily
- Auto-Transfer sweeps idle USDT balances into Savings automatically
- Interest compounds while it stays in the savings balance
Cons
- Closed to US customers, with UK and Australia restrictions as well
- Best rate covers only the first balance tier; more earns less
- Rates can change after subscribing; fixed rates are not guaranteed