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2026 Proof of Custody. Published by Onramp Bitcoin. Editorial Independence.PrivacyTermsproofofcustody.io
Matrix · 24 platforms · records as of 2026-02-18

Which exchange is safest to buy and hold on, and which have failed before?

Every exchange is a single custodian; the columns that separate them are proof of reserves, incident history, fees and how hard it is to leave. It depends on what the holding has to survive: a single point of failure can be excellent at everything else and still lose everything at once, so read that column first, then the fees against your size.

Proof of Custody is published by Onramp Bitcoin, which appears in this table and is scored by the same methodology as every other platform.

Bitcoin custodians and multi-key providersExchanges and brokeragesBitcoin IRA providersSpot bitcoin ETFsHardware walletsStablecoin issuers and custodiansTokenized treasuries, gold and real-world assetsLending and yield
PlatformScoreCustody modelSingle point of failureIndependenceInsuranceRegulatoryQualified custodianFeesMinimumIncidentsAs of
Onramp Financepublisher89Qualified Custodian (BitGo)Yes0/4Not disclosedNot publishedn/s0.59% one-time$002026-02-18
Unchained84Collaborative MultisigNo1/4Not disclosedNot publishedn/s1% + trading spread$002026-02-18
River82Single CustodianYes0/4Not disclosedNot publishedn/s0% recurring, 1.2% one-time$002026-02-18
Swan Bitcoin80Single Custodian + VaultYes0/4Not disclosedNot publishedn/s0.99% - 1.49%$002026-02-18
Relai78Non-CustodialNo0/4Not disclosedNot publishedn/s1% - 1.5%$002026-02-18
Fidelity Crypto74Single CustodianYes0/4Not disclosedNot publishedn/s1% spread$002026-02-18
Strike74Single CustodianYes0/4Not disclosedNot publishedn/s~0.3% spread$002026-02-18
Choice by Kingdom Trust73Qualified Custodian IRAYes0/4Not disclosedNot publishedn/s1% annual + trading$002026-02-18
Bitcoin Well70Non-CustodialNo0/4Not disclosedNot publishedn/s~1.5% - 2%$002026-02-18
Strike (Global)70CustodialYes0/4Not disclosedNot publishedn/s~0.3% spread$002026-02-18
Cash App69Single CustodianYes0/4Not disclosedNot publishedn/s~1.5% - 2.2%$002026-02-18
Kraken67Single CustodianYes0/4Not disclosedNot publishedn/s0.16% - 0.26%$002026-02-18
Gemini65Single CustodianYes0/4Not disclosedNot publishedn/s0.5% - 1.49%$002026-02-18
Coinbase64Single CustodianYes0/4Not disclosedNot publishedn/s0.5% - 3.99%$002026-02-18
Shakepay64Single CustodianYes0/4Not disclosedNot publishedn/s~1.5% spread$002026-02-18
Fold62Single CustodianYes0/4Not disclosedNot publishedn/sFree card; spin fees$002026-02-18
Bitrefill60Non-Custodial SpendingYes0/4Not disclosedNot publishedn/sVaries by card$002026-02-18
Lolli56Single CustodianYes0/4Not disclosedNot publishedn/sFree; cashback %$002026-02-18
Robinhood54Single CustodianYes0/4Not disclosedNot publishedn/s~0.5% spread$002026-02-18
eToro51Single CustodianYes0/4Not disclosedNot publishedn/s1% + spread$002026-02-18
Binance US50Single CustodianYes0/4Not disclosedNot publishedn/s0.1% - 0.6%$002026-02-18
Speed (Bitcoin Wallet)50Custodial LightningYes0/4Not disclosedNot publishedn/s1% processing$002026-02-18
PayPal43Single CustodianYes0/4Not disclosedNot publishedn/s1.5% - 2.3%$002026-02-18
Bottlepay10Single CustodianYes0/4Not disclosedNot publishedn/s~1% spread$002026-02-18

Facts are from each provider's own documents and public filings with the date the record was last checked; "n/s" means not stated by the provider. Scores are Proof of Custody's judgement on the published methodology. Coverage is selected, not exhaustive; absence is not evidence of safety. As data: /data/matrix.json. Dispute a cell through corrections.

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