December 2020 Comparation of centralized crypto landing platforms

[crypto holder]

DEFI proved to cover many scam projects since anybody can launch it.
It is still new but it will settle probably in 6 months from now, and it will be like in small coins masternode world, less than 5% of those DEFI projects will survive to be profitable, but they cannot sustain to offer high APY% rates since there is no institutional liquidity backup like in centralized crypto landing platforms.
In centralized crypto landing platforms it is all currently defined, celsius is best, nexo is worst (currently)


Name: Celsius Network
Website: celsius.network
Jurisdiction: UK/USA
Trust: 8/10 (was 9/10 but they crushed,users lost access for 48h and almost lost domain few weeks ago)
Earn APY% rates: 9/10
Compounding: Weekly
Interest Payments: Weekly
Loan rates: 9/10
Assets under management: 3.3 billion USD
Members: 240000
Coins supported for earning interest: 36
ATM card: NO
Crypto retirement plans: NO
Have own coin: YES

Name: BlockFI
Website: blockfi.com
Jurisdiction: USA
Trust: 8/10
Earn APY% rates: 6/10
Compounding: Daily
Interest Payments: Monthly
Loan rates: 7/10
Assets under management: Unknown
Members: Unknown
Coins supported for earning interest: 8
ATM card: Just announced for 2021
Crypto retirement plans: NO
Have own coin: NO

Name: Apyharvest
Website: apyharvest.com
Jurisdiction: UK
Trust: 8/10
Earn APY% rates: 10/10
Compounding: Daily
Interest Payments: Daily
Loan rates: 10/10
Assets under management: 1.3 billion USDC
Members: 40000
Coins supported for earning interest: 47
ATM card: NO
Crypto retirement plans: YES
Have own coin: NO

Name: Crypto com
Website: crypto.com
Jurisdiction: Malta
Trust: 7/10
Earn APY% rates: 5/10
Compounding: NO
Interest Payments: Deposit and Interest are locked flexible,1 or 3 months
Loan rates: 4/10
Assets under management: Unknown
Members: 5 million
Coins supported for earning interest: 34
ATM card: YES — working
Crypto retirement plans: NO
Have own coin: YES

Name: Nexo
Website: nexo.io
Jurisdiction: Bulgaria
Trust: 5/10
Earn APY% rates: 8/10
Compounding: Daily
Interest Payments: Daily
Loan rates: 6/10
Assets under management: Unknown
Members: 1 million
Coins supported for earning interest: 17
ATM card: Promised August 2019, never delivered
Crypto retirement plans: NO
Have own coin: YES

I would NEVER put all my assets to centralized crypto landing platforms, since in that case i lose all my coins if they fails.
But i trust them 100x more than DEFI since currently most of DEFI projects are gamble or scam.
Those which are defined good, like AAVE , offer very low interest rates.
At time i write this, Interest APY% on USDC is 4.38% at AAVE, and 11.94–14.96% at Apyharvest.
On ETH is much worse — AAVE APY% on ETH is 0.11%, at Apyharvest 6.25%–7.82%.
My current portfolio is 50% earning interest on centralized crypto landing platforms, 50% i keep at cold storage ( and I still buy crypto on be-weekly basis)
From that I stake CEL and MATIC at Celsius, and BTC,LINK,DOT,XMR and USDC at Apyharvest. Earning around 90$ on Celsius and 450 USDC on Apyharvest, weekly (Apyharvest are daily payments, Celsius is weekly) I have also Crypto com atm card, and it is pretty usable, only thing i hate is that CRO coin is losing value, so i overpaid my initial card deposit when i started long ago.

Hope you find my inputs informative.