Platform Rankings
Proof of Custody Scores
Every platform independently scored across six categories. Filter by type, sort by what matters to you, and expand any card for the full breakdown.
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91 platforms
1
90
OnrampADistributed
Multi-Institution Custody · $250/mo
Only platform distributing keys across multiple regulated custodians and jurisdictions. Inheritance, dynasty trusts, insurance on segregated incidents.
2
89
Onramp FinanceASPOF
Qualified Custodian (BitGo) · 0.59% one-time
Lowest cost one-time buys at 59bps. Earn 3% on cash, 1.5% card rewards, lending available.
3
85
UnchainedA-Distributed
Collaborative Multisig · $250/yr + trading
2-of-3 multisig where client holds 2 keys. Strong inheritance and IRA products. Lending available.
4
84
Onramp LendingA-Distributed
Multi-Institution Collateral · Varies by loan
Borrow against BTC with multi-institution collateral custody. No rehypothecation.
5
83
CasaA-Distributed
Self-Custody Multisig · $30 - $250/yr
Best self-custody UX. Mobile key management. Inheritance protocol.
6
83
UnchainedA-Distributed
Collaborative Multisig · 1% + trading spread
Buy directly into collaborative custody. IRA, lending, and inheritance built in.
7
82
Circle (USDC)A-Distributed
Multi-Institution Reserves (BlackRock + BNY Mellon) · Free mint/burn (institutional)
USDC reserves custodied by BlackRock (Circle Reserve Fund) and BNY Mellon. Monthly attestations by Deloitte. Most transparent stablecoin issuer and GENIUS Act ready.
8
82
Foundation (Passport)A-Distributed
Hardware Wallet · ~$200
Open source hardware and software. Beautiful industrial design. Bitcoin-only.
9
81
ColdcardB+Distributed
Hardware Wallet · ~$150 one-time
Air-gapped signing. Open source firmware. Most security-focused hardware wallet.
10
81
RiverB+SPOF
Single Custodian · 0% recurring, 1.2% one-time
Zero-fee recurring buys. Lightning withdrawals. Strong research content.
11
81
Unchained IRAB+Distributed
Collaborative Multisig IRA · $250/yr + trading
IRA in collaborative multisig. Client holds keys. Tax-advantaged Bitcoin.
12
81
Unchained IRAB+Distributed
Collaborative Multisig IRA · $250/yr + trading
Only IRA where you hold keys. 2-of-3 multisig. Tax-advantaged Bitcoin.
13
80
BlackRock BUIDLB+Distributed
Multi-Institution (BNY Mellon + Securitize) · 0.50% management fee
Largest tokenized treasury fund ($2.5B+). BlackRock as asset manager, Securitize as tokenization agent, BNY Mellon as custodian. Daily NAV. Multi-chain deployment across 7 networks.
14
80
Unchained LendingB+Distributed
Collaborative Multisig Collateral · 11-14% APR
Borrow against BTC in collaborative custody. Client holds keys to collateral.
15
78
PaxosB+SPOF
NY Trust Company (State-Regulated) · Custom institutional pricing
NY DFS-regulated trust company. Issues PYUSD for PayPal, USDP, and Pax Gold (PAXG). Monthly attestations by WithumSmith+Brown. Strongest regulatory position of any stablecoin issuer.
16
78
RelaiB+Distributed
Non-Custodial · 1% - 1.5%
Bitcoin-only. European. Auto-DCA directly to your own wallet.
17
78
Swan BitcoinB+SPOF
Single Custodian + Vault · 0.99% - 1.49%
IRA offerings. Swan Vault for collaborative custody. Strong educational community.
18
77
Franklin Templeton BENJIB+SPOF
SEC-Registered Fund (Franklin Templeton) · 0.20% expense ratio
First SEC-registered fund to use public blockchain for share tracking. Franklin OnChain US Government Money Fund accessible via the Benji app. $700M+ AUM. Stellar and Ethereum deployment.
19
77
iShares Bitcoin Trust (IBIT)B+SPOF
ETF — Coinbase Custody · 0.25% expense ratio
Largest spot Bitcoin ETF by AUM. BlackRock brand. Deep liquidity.
20
76
BNY MellonBSPOF
World's Largest Custodian Bank · Custom institutional pricing
World's largest custodian bank ($52T+ in assets under custody). Holds USDC cash reserves for Circle. Custodies assets for 11 Bitcoin ETFs. Unmatched regulatory credibility and balance sheet.
21
76
Fidelity Digital AssetsBSPOF
Qualified Custodian · Custom
Backed by Fidelity's brand and balance sheet. Regulated. SOC 2 Type 2.
22
76
Fidelity Wise Origin (FBTC)BSPOF
ETF — Fidelity Self-Custody · 0.25% expense ratio
Fidelity self-custodies BTC. Trusted brand. Integrated with brokerage accounts.
23
76
Paxos Gold (PAXG)BSPOF
Brink's Vaults + NY DFS Regulated · 0.02% on-chain transfer fee
Each PAXG token backed by one troy ounce of London Good Delivery gold in Brink's vaults. NY DFS regulated. Monthly attestations. Unique: individual bar serial number lookup per token holder.
24
76
SecuritizeBSPOF
SEC Transfer Agent + FINRA Broker-Dealer · Platform + origination fees
Leading tokenization platform. SEC-registered transfer agent and FINRA broker-dealer. Powers BlackRock BUIDL, Hamilton Lane, KKR tokenized funds. Secondary market trading via Securitize Markets.
25
75
Bridge (by Stripe)BSPOF
Stablecoin Orchestration (Stripe-Backed) · API-based pricing
Acquired by Stripe for $1.1B. Stablecoin orchestration layer powering cross-border payments, on/off-ramps, and stablecoin issuance for enterprises. Developer-first API design.
26
75
Ondo FinanceBSPOF
BlackRock BUIDL-Backed (OUSG) + Ankura Trust · 0.15% management fee (OUSG)
OUSG backed by BlackRock BUIDL. USDY is a yield-bearing stablecoin alternative. Multi-chain deployment (Ethereum, Solana, Mantle, Sui, Aptos). Strong DeFi composability. Combined $1B+ TVL.
27
74
Bitwise Bitcoin ETF (BITB)BSPOF
ETF — Coinbase Custody · 0.20% expense ratio
Crypto-native issuer. Transparent on-chain proof of reserves. Competitive fees.
28
74
Fidelity CryptoBSPOF
Single Custodian · 1% spread
Trusted brand. Integrated with existing Fidelity accounts.
29
74
PayPal (PYUSD)BSPOF
Paxos-Issued, PayPal-Distributed · Free PayPal-to-PayPal transfers
PYUSD issued by Paxos under NY DFS regulation. Monthly attestations. Distributed through PayPal and Venmo to 400M+ users. Largest fintech stablecoin by distribution reach.
30
74
StrikeBSPOF
Single Custodian · ~0.3% spread
Near-zero fees on some purchases. Lightning-native. Simple DCA.
31
73
Choice by Kingdom TrustBSPOF
Qualified Custodian IRA · 1% annual + trading
Regulated IRA custodian. Bitcoin + alts. Roth and Traditional.
32
73
Choice by Kingdom TrustBSPOF
Qualified Custodian IRA · 1% annual + trading
Regulated IRA custodian. Bitcoin + alts. Roth and Traditional.
33
72
BitGoBSPOF
Qualified Custodian (Multi-Sig) · Custom institutional pricing
Qualified custodian with multi-sig architecture. $250M insurance policy. Custodies stablecoin reserves and provides settlement infrastructure. Used by stablecoin issuers and exchanges.
34
71
DebifiB-Distributed
Multisig Collateral · Varies by lender
P2P BTC-backed loans. Multisig escrow. No KYC required.
35
71
Franklin Bitcoin ETF (EZBC)B-SPOF
ETF — Coinbase Custody · 0.19% expense ratio
Franklin Templeton brand. Among lowest expense ratios. Established asset manager.
36
71
Strike (Global)B-SPOF
Custodial · ~0.3% spread
Global remittances. Near-zero fee BTC buys. Lightning-native.
37
70
Anchorage DigitalB-SPOF
OCC-Chartered Crypto Bank · Custom institutional pricing
First OCC-chartered crypto bank. Custodies stablecoin reserves for multiple issuers. SOC 1 & 2 compliant. Banking-grade custody infrastructure for digital assets.
38
70
CopperB-SPOF
MPC + ClearLoop · Custom
Off-exchange settlement via ClearLoop. MPC technology.
39
70
Grayscale Bitcoin Mini (BTC)B-SPOF
ETF — Coinbase Custody · 0.15% expense ratio
Lowest expense ratio among spot BTC ETFs. Spin-off from GBTC.
40
70
LedgerB-Distributed
Hardware Wallet · ~$80 - $280
Most popular hardware wallet globally. Broad app ecosystem.
41
70
VanEck Bitcoin ETF (HODL)B-SPOF
ETF — Gemini Custody · 0.20% expense ratio
VanEck brand. Gemini as custodian (not Coinbase). Competitive fees.
42
69
AnchorageB-SPOF
Crypto-Native Bank · Custom
OCC-chartered crypto bank. Staking, trading, settlement. SOC 1 & 2.
43
69
BitGoB-SPOF
Qualified Custodian · Custom
Qualified custodian. Hot, warm, and cold wallet options. $250M insurance.
44
69
Cash AppB-SPOF
Single Custodian · ~1.5% - 2.2%
Easiest onboarding. Auto-invest feature. Lightning withdrawals.
45
68
ARK 21Shares (ARKB)B-SPOF
ETF — Coinbase Custody · 0.21% expense ratio
Cathie Wood/ARK branding. Lower expense ratio. Innovation-focused audience.
46
68
KrakenB-SPOF
Single Custodian · 0.16% - 0.26%
Competitive fees. Proof of reserves published. Strong security track record.
47
68
Ripple (RLUSD)B-SPOF
NY DFS-Approved Stablecoin · Competitive institutional pricing
NY DFS-approved stablecoin launched December 2024. Reserves in USD deposits and short-term US Treasuries. Monthly attestations. Available on XRPL and Ethereum.
48
68
Swan IRAB-SPOF
Custodial IRA · 0.99% + custody
Simple Bitcoin IRA setup. Swan brand trust. Auto-DCA into IRA.
49
68
Swan IRAB-SPOF
Custodial IRA · 0.99% + custody
Simple Bitcoin IRA setup. Swan brand trust. Auto-DCA into IRA.
50
68
TrezorB-Distributed
Hardware Wallet · ~$70 - $180
Pioneer hardware wallet. Open source. User-friendly. Broad coin support.
51
67
SygnumB-SPOF
Regulated Bank · Custom
Swiss banking license. Tokenization services. Regulated digital asset bank.
52
66
Bitcoin WellC+Distributed
Non-Custodial · ~1.5% - 2%
Non-custodial Bitcoin buying in Canada. Auto-DCA. Bill pay with BTC.
53
66
Broad FinancialC+Distributed
Checkbook Control IRA · $400/yr + setup
Checkbook control SDIRA. Hold BTC in personal wallet via IRA LLC. Full control.
54
66
Bitcoin SuisseC+SPOF
Regulated Custodian · Custom
Swiss pioneer in crypto financial services. Staking, trading, custody.
55
66
FireblocksC+SPOF
MPC Custody Infrastructure · Custom SaaS pricing
MPC-based custody infrastructure used by 1,800+ institutions. Powers stablecoin custody for multiple issuers and custodians. Broadest DeFi connectivity of any infrastructure provider.
56
64
GeminiC+SPOF
Single Custodian · 0.5% - 1.49%
SOC 2 certified. New York regulated. Insurance on hot wallet.
57
64
Tether Gold (XAUT)C+SPOF
Swiss Vault Custody (Tether-Managed) · 0.25% creation fee
Each XAUT token represents ownership of one troy ounce of London Good Delivery gold stored in Swiss vaults. Available on Ethereum and Tron. Redeemable for physical gold delivery.
58
64
Xapo BankC+SPOF
Licensed Bank · 0.1% BTC buy/sell
Gibraltar-licensed bank. USD interest + BTC exposure. Debit card.
59
64
Zodia CustodyC+SPOF
Single Custodian · Custom
Backed by Standard Chartered and Northern Trust.
60
63
FireblocksC+SPOF
MPC Technology · Custom
Multi-party computation infrastructure. 1,800+ institutions. Broad DeFi connectivity.
61
63
Invesco Galaxy (BTCO)C+SPOF
ETF — Coinbase Custody · 0.25% expense ratio
Invesco + Galaxy Digital partnership. Established asset manager.
62
63
ShakepayC+SPOF
Single Custodian · ~1.5% spread
Canadian Bitcoin app. Shake for sats feature. Visa card with BTC rewards.
63
62
Arch (Bitcoin-Backed Loans)C+SPOF
Qualified Custodian Collateral · 7-12% APR
Institutional BTC lending. Qualified custodian holds collateral. Low LTV options.
64
62
FoldC+SPOF
Single Custodian · Free card; spin fees
Bitcoin-back debit card. Daily spin rewards. Round-up purchases.
65
62
Gemini CustodyC+SPOF
Qualified Custodian · 0.40% annual
SOC 2 certified. New York trust company. Insurance on assets.
66
62
iTrust CapitalC+SPOF
Custodial IRA · 1% per trade
Crypto IRA with 30+ assets. 24/7 trading. Roth and Traditional.
67
62
Tether (USDT)C+SPOF
Single Custodian (Cantor Fitzgerald) · 0.1% redemption fee
Largest stablecoin by market cap ($145B+). Deepest liquidity across all exchanges and chains. Dominant in emerging market remittance and trading.
68
62
WisdomTree Bitcoin (BTCW)C+SPOF
ETF — Coinbase Custody · 0.25% expense ratio
WisdomTree expertise in commodity ETFs. Familiar structure.
69
61
Valkyrie Bitcoin (BRRR)CSPOF
ETF — Coinbase Custody · 0.25% expense ratio
Crypto-focused issuer. Now under CoinShares brand.
70
60
Alto IRACSPOF
Custodial IRA · 1% per trade + $10/mo
Crypto IRA alongside alternative investments. Simple interface.
71
60
Hashdex Bitcoin ETF (DEFI)CSPOF
ETF — BitGo Custody · 0.90% expense ratio
BitGo as custodian (not Coinbase). Brazil-based issuer with global reach.
72
60
Hodl HodlCDistributed
Multisig Escrow · 0.5-0.6% per trade
P2P Bitcoin trading. Multisig escrow. No KYC. Global.
73
60
Speed (Bitcoin Wallet)CSPOF
Custodial Lightning · 1% processing
Bitcoin payment processing. Lightning-native. POS integration.
74
58
BitrefillCSPOF
Non-Custodial Spending · Varies by card
Buy gift cards with Bitcoin. Lightning payments. Live on Bitcoin.
75
58
CoinbaseCSPOF
Single Custodian · 0.5% - 3.99%
Most user-friendly. Broadest crypto selection. Public company with regulatory clarity.
76
58
LednCSPOF
Single Custodian · Varies by product
BTC-backed loans. B2X product to double BTC exposure. Proof of reserves.
77
58
Strike RewardsCSPOF
Custodial · Free
Earn BTC rewards on paycheck deposits. Simple and automatic.
78
58
Swan ForceCSPOF
Custodial · Employer plan fees
Bitcoin benefits for employees. Employer-sponsored DCA. 401k integration.
79
57
Coinbase CustodyCSPOF
Single Custodian · 0.50% annual + setup
Largest custodian by assets. Qualified custodian. ETF custody provider.
80
56
Bitcoin IRAC-SPOF
Custodial IRA · High (undisclosed)
First Bitcoin IRA platform. Insurance on assets. Simple setup.
81
55
Grayscale Bitcoin Trust (GBTC)C-SPOF
ETF — Coinbase Custody · 1.50% expense ratio
Longest-running BTC fund. Converted from trust to ETF. Deep brand recognition.
82
55
LolliC-SPOF
Single Custodian · Free; cashback %
Bitcoin cashback on online shopping. Browser extension. 1,000+ merchants.
83
54
BitIRAC-SPOF
Cold Storage IRA · High (setup + annual)
Cold storage IRA. Insurance through Lloyd's. Physical security emphasis.
84
52
NexoC-SPOF
Single Custodian · Varies by tier
Earn interest on BTC. Borrow against crypto. Insurance on custodial assets.
85
52
RobinhoodC-SPOF
Single Custodian · ~0.5% spread
Commission-free trading. Familiar interface for stock investors.
86
50
eToroC-SPOF
Single Custodian · 1% + spread
Social trading features. Copy trading functionality.
87
50
SALT LendingC-SPOF
Single Custodian · Varies by LTV
One of the earliest crypto lenders. Multiple collateral types.
88
48
Binance USC-SPOF
Single Custodian · 0.1% - 0.6%
Low trading fees. Deep liquidity on available pairs.
89
48
Coinbase EarnC-SPOF
Single Custodian · Variable yield
Simple earn interface. Integrated with Coinbase account.
90
45
PayPalC-SPOF
Single Custodian · 1.5% - 2.3%
Massive existing user base. Simple interface.
91
10
BottlepayC-SPOF
Single Custodian · ~1% spread
UK-regulated. GBP/EUR on-ramp. Lightning payments.