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Do not rely on an app, regulator logo or advertised APY. To assess a crypto yield platform, identify the exact legal entity that signs your agreement, verify that entity and the specific activity in the competent regulator’s register, then examine the contract, custody arrangements, liabilities, liquidity and insolvency terms. A proof-of-reserves page can show selected assets at one moment; by itself it cannot prove solvency or that you will recover your crypto after a failure.
The checks below are designed for lending, staking, “earn” and interest-bearing accounts. They apply whether the platform serves you directly or through a subsidiary, broker, custodian or offshore affiliate.
Regulated and solvent are different questions
Regulation concerns legal permission and supervision for a defined activity in a defined jurisdiction. A firm may be registered for anti-money-laundering (AML) purposes while not being authorised to offer the yield product you are considering. Registration is not an endorsement, a guarantee of performance or proof that customer assets are protected.
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Solvency asks whether the relevant entity has enough realizable assets to meet all obligations when they fall due and, if it fails, whether your claim can be paid. A platform can appear regulated and still suffer losses, liquidity stress, concentrated counterparty exposure or an insolvency dispute. Conversely, a platform can publish attractive reserves while owing more than the assets shown.
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Assess both dimensions independently. Treat an unresolved mismatch between the legal entity, permission, contract or asset evidence as a reason to stop rather than as a minor paperwork issue.
Step 1: Map the brand to the legal entity in your contract
Start with the documents you would accept when opening the account, not the name on the app icon. Record the following before depositing anything:
- Full legal name of the contracting entity and every entity named in the terms.
- Company or registration number, registered office and country of incorporation.
- Subsidiary, branch, broker and custodian names.
- The entity that actually receives your crypto and the entity that promises repayment or yield.
- Governing law, dispute forum and insolvency jurisdiction.
- Official support email, postal address and domain used for account notices.
Save a dated copy of the agreement, risk disclosures, fee schedule and privacy notice. A brand name can cover several companies with different licences, balance sheets and customer priorities. If the website, app, contract and regulator record name different entities, ask for a written explanation and verify each entity independently.
Step 2: Verify the exact permission in an official register
Use the customer’s onboarding jurisdiction
Find the regulator responsible for the country or state where you are onboarded. Search its official register using the legal name and registration number, then compare the address and contact details with your contract. Do not use a logo, a screenshot or a link supplied by the platform as your evidence; navigate to the regulator’s own register.
The permission must match what you will do. Lending, staking, custody, brokerage, dealing, payment services and investment advice can be regulated separately. A firm authorised for one activity may not be authorised for another. The FCA’s register guidance states: “Always check that permissions/activities of the firm match the service it is providing to you.”
Understand the limits of AML registration
AML registration generally addresses customer-identification and financial-crime controls. It does not automatically authorise lending, custody or an interest-bearing account. The FCA says, “Registration under the MLRs is a legal requirement to carry on business. It is not a recommendation or endorsement of your business.” Treat an AML listing as one narrow compliance fact, not as a safety certification.
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Check U.S. claims separately
In the United States, securities laws can apply to crypto lending and staking products. A firm may make a registration claim about a broker, adviser or money-transmission activity while leaving the yield product outside that permission. FINRA BrokerCheck can confirm registration and disciplinary history for covered brokers or advisers, but a BrokerCheck record does not establish that a particular crypto yield product is registered or that customer assets are safe.
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Note the UK transition timetable
The FCA published final cryptoasset standards on 30 June 2026. Those final rules apply to firms authorised under the UK Financial Services and Markets Act (FSMA) on or after 25 October 2027. The FCA’s threshold conditions include a suitable business model, effective supervision, appropriate resources and fit-and-proper management. Until a firm is authorised under the relevant regime, do not describe a registration, application or transitional status as full approval.
Step 3: Explain where the yield comes from
Ask for a plain-language explanation and enough detail to test it. Sustainable yield must come from an identifiable economic activity, not simply from new deposits or token issuance. Typical sources include:
- Secured loans to identified borrowers, with collateral, valuation haircuts and margin-call rules.
- Unsecured lending, which carries direct borrower-default risk.
- Market-making or trading, with market, leverage and operational risks.
- Validator or staking rewards, less validator penalties, network costs and lock-up periods.
- Protocol incentives or token emissions, whose value and continuation can change abruptly.
- Proprietary trading or structured strategies, where losses may be difficult to observe.
Require the platform to identify borrower or counterparty categories, collateral eligibility, concentration limits, liquidation procedures and what happens when a margin call fails. Ask whether the platform lends your assets onward, pools them, uses derivatives or borrows from affiliates. “Market conditions,” “institutional strategies” or “algorithmic yield” without measurable exposures are not explanations.
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Step 4: Test solvency evidence instead of accepting a reserve screenshot
What proof-of-reserves can show
Proof-of-reserves is a voluntary method crypto entities use to offer evidence about selected on-chain or other assets at a point in time. It can help you see whether specified wallets or accounts held particular balances when measured, but the result depends on scope, timing, ownership and the verification method.
What it cannot establish by itself
A reserve display may omit customer liabilities, debts to lenders, affiliate borrowing, off-chain assets, pledged collateral, contingent claims and assets that cannot be withdrawn quickly. It may also be a one-time snapshot taken before or after a major balance change. The SEC has warned that proof-of-reserves may omit liabilities and interim asset use and is not equivalent to a Public Company Accounting Oversight Board (PCAOB) audit. SEC guidance also says that reviews underlying such reports are “not equivalent to financial statement audits.”
Request stronger financial evidence
Ask for audited financial statements covering the legal entity in your contract. Record the audit firm, reporting period, accounting standard, opinion type, consolidation scope and any going-concern or scope limitation. Then compare:
- Total customer liabilities, including accrued yield and withdrawal obligations.
- Assets legally owned by the entity and available to meet those liabilities.
- Assets held for customers but not owned by the entity.
- Borrowings, secured claims, derivatives, guarantees and related-party exposures.
- Liquid assets that could meet withdrawals without a fire sale.
An audit of financial statements is not a guarantee of future solvency, but it normally provides a clearer framework than an unaudited reserve claim. If the platform will not disclose liabilities, the balance sheet or the scope of an assurance report, you cannot calculate a meaningful solvency margin.
| Evidence | What it may tell you | What remains unknown |
|---|---|---|
| Wallet balances or a reserve dashboard | Selected assets held at a stated time | Total liabilities, ownership, encumbrances, off-chain assets and liquidity |
| Attestation or verification report | Procedures performed within the report’s stated scope | Whether the work was an audit, whether liabilities were tested and how independent the provider was |
| Audited financial statements | Assets, liabilities, income and disclosures under a named accounting framework | Future losses, later withdrawals and risks outside the reporting date |
| Withdrawal success stories | That some users received funds at particular times | Ability to meet all claims during stress or an insolvency priority outcome |
Step 5: Read custody, rehypothecation and insolvency clauses
Determine who owns the deposited asset
Look for language stating whether you retain title, transfer title to the platform, or receive a contractual claim for an equivalent amount. “Custody,” “loan,” “deposit,” and “collateral” can have different legal consequences. Identify the wallet or account structure, the private-key holder and the entity that can move the asset.
Find permission to lend or reuse assets
Search the agreement for terms such as rehypothecation, reuse, pledge, omnibus account, set-off, securities interest, collateral and affiliated transactions. Confirm whether your asset may be lent to a third party, pledged against the platform’s borrowing, converted, staked or placed in a protocol. Note whether you can opt out and whether the platform can change these rights unilaterally.
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Establish your insolvency position
Ask whether customer assets are segregated from the platform’s own property and whether you have a proprietary claim or only an unsecured promise to pay. Determine your ranking against secured lenders, preferred creditors and general unsecured creditors. A clause saying assets are “held for customers” is not enough without knowing the governing law, custodian and practical segregation controls.
FINMA’s custody-risk guidance, updated 12 January 2026, warns that foreign custody can create complex insolvency issues, especially if the custodian fails. Where legal arrangements provide protection, customer assets should not become part of a custodian’s bankruptcy estate. The result depends on the actual contract, jurisdiction and account structure; do not generalize one country’s protection to another.
Step 6: Check whether any insurance really applies
Crypto held in an interest-bearing account does not automatically receive bank-deposit or brokerage insurance. Do not assume FDIC, NCUA or SIPC coverage merely because a platform uses a bank, broker or custodian. Ask the named institution and the relevant scheme, in writing, whether:
- The institution is actually insured or a member of the scheme.
- The specific account is eligible, rather than excluded digital-asset property.
- Coverage applies to your legal owner and account type.
- The protection covers the crypto itself, cash only, or a claim against the institution.
- Limits, aggregation rules and beneficiary conditions apply.
In the UK, FCA registration alone does not create Financial Services Compensation Scheme (FSCS) or Financial Ombudsman protection. Confirm eligibility with the scheme and the actual regulated institution; a platform’s marketing statement is not evidence of coverage.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Step 7: Perform a small operational test before committing more
A test withdrawal cannot prove solvency, but it can reveal friction that the marketing page hides. Before transferring a material balance:
- Read the current withdrawal policy for each asset and chain.
- Record minimums, maximums, daily limits, notice periods, lock-ups and fees.
- Check whether identity reviews, source-of-funds checks or destination whitelists can delay a withdrawal.
- Deposit an amount whose loss would not affect essential finances.
- Withdraw to a wallet you control, using the supported network and a carefully checked address.
- Record the request time, transaction hash, completion time and any support response.
- Repeat after a policy change or a material increase in balance.
Unexplained delays, a queue that is not disclosed in advance, unilateral lockups, changed eligibility or pressure to cancel a withdrawal are reasons not to increase exposure. A successful small withdrawal is evidence of that transaction only; it does not establish that all customers could withdraw during a stress event.
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Step 8: Compare two platforms on the same risk sheet
When more than one platform remains under consideration, use identical questions and documents. A higher APY is not comparable if one service transfers title, locks assets or relies on unsecured borrowers while the other does not.
| Comparison area | Questions to answer |
|---|---|
| Legal identity | Which entity signs the agreement, receives assets and owes repayment? |
| Permission | Does the regulator’s exact permission cover lending, staking, custody or brokerage for your location? |
| Jurisdiction | Which law and courts govern the contract, and where are the platform and custodian located? |
| Yield source | Are borrowers, collateral, validators, strategies and concentration limits described? |
| Financial evidence | Are audited assets and total customer liabilities available for the same entity and period? |
| Custody | Do you retain title, and are keys and accounts segregated? |
| Reuse rights | Can assets be rehypothecated, pledged, staked or lent to affiliates? |
| Liquidity | What are withdrawal limits, notice periods, queues and suspension powers? |
| Insolvency priority | Would you claim specific assets or rank as an unsecured creditor? |
| Protection | Is any insurance legally confirmed for this account and asset? |
| History | Are there enforcement actions, disciplinary findings, missed redemptions or unexplained outages? |
Mark an item “not stated” when the platform will not provide an answer. Do not treat an unknown as a favorable assumption.
Red flags that should stop the review
- Reserves are shown without a complete liability schedule.
- A report is called an “attestation” or “verification” but gives no standard, scope, independence or assurance level.
- Wallet balances exclude off-chain assets, affiliate borrowing or customer claims.
- The platform promises a high or guaranteed APY without identifying the return source.
- Lending is unsecured, counterparties are concentrated or related-party transactions are opaque.
- Withdrawals are queued, frozen or subject to terms that changed without clear notice.
- The contract permits rehypothecation or places customers behind general creditors.
- Register details do not match the website, app, domain, legal entity or support contacts.
- Staff refuse to identify the custodian, audit firm, governing law or entity responsible for repayment.
How to make the decision
Proceed only when you can name the contracting entity, verify a permission that covers the exact activity, explain the source of yield, quantify liabilities against available assets, understand custody and insolvency priority, and document any genuine insurance eligibility. If one of those questions remains unanswered, limit exposure to an amount you can afford to lose—or do not use the platform.
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Questions that require evidence, not marketing
Does a regulator logo prove a yield account is authorised?
No. Verify the legal entity and the permission in the regulator’s own register. The permission must match the activity and the jurisdiction in which you are served.
Can proof-of-reserves show that customers will be repaid?
No. It may show selected assets at a point in time, but it does not by itself establish total liabilities, liquidity, asset ownership or insolvency priority.
What should I do if the platform says withdrawals are temporarily paused?
Do not add funds or accept a changed lock-up while the reason, scope, timeline and contractual authority are unclear. Preserve account records and communications, then seek advice appropriate to the governing jurisdiction.
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Is yield paid in a platform token the same as interest?
No. Token emissions or incentives introduce token-price and liquidity risk in addition to the underlying strategy. Evaluate the asset you will actually receive and the conditions for selling or withdrawing it.
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