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Figure Markets
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 USDUniquely, ...

Krak

Krak

Krak is a new simple crypto-powered mobile payment app by the popular Kraken crypto exchange. It is designed to be a crypto-friendly alternative to Ve...

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General

Platform
River logo
Krak logo
Founded
River 2019
Krak 2025
Headquarters
River USA
Krak San Francisco, CA
Availability
River US only, excluding NY and NV
Krak Worldwide

Fees & Financial

Bonus
River Earn up to $100 in BTC
Krak $10 bonus after $10 deposit with code: CIR
Token
River
Krak
Compounding
River No
Krak Yes
Payouts
River Monthly
Krak Weekly
Fees
River None
Krak None
Lockup
River
Krak None
Maker Fee
River
Krak
Taker Fee
River
Krak

Cryptocurrency Rates

BTC Rate
River
Krak 0.1%
BTC Max
River
Krak
ETH Rate
River
Krak 1%
ETH Max
River
Krak
Stablecoin Rate
River
Krak 3.6%

Pros

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

Cons

  • US only
  • Bitcoin-only

Pros

  • Simple, fee-free and rewarding app to manage crypto payments
  • Pays interest rewards on most coins
  • No lock ups

Cons

  • Rates are modest
  • New app with limited features vs full Kraken