CIR animation

We compare platforms & may earn a commission. Learn more.

Figure Markets
Fido

Fido

Fido is a crypto-yield platform offering 10% APY with a simple, banking-like app. Unlike other centralized lenders, Fido uses self-custody and is non-...

Wirex

Wirex

Wirex is an app to buy, sell, and spend crypto. Wirex offers a crypto back credit card, and interest bearing crypto accounts called X-Accounts. X-A...

VS

General

Platform
Fido logo
Wirex logo
Founded
Fido 2025
Wirex 2014
Headquarters
Fido
Wirex London, UK
Availability
Fido Worldwide
Wirex Worldwide, excluding NY

Fees & Financial

Bonus
Fido 30-day 1% APY boost with code: CIR ($250 deposit required)
Wirex
Token
Fido
Wirex WXT
Compounding
Fido Yes
Wirex Yes
Payouts
Fido Every second
Wirex Weekly
Fees
Fido None
Wirex
Lockup
Fido None
Wirex None
Maker Fee
Fido
Wirex
Taker Fee
Fido
Wirex

Cryptocurrency Rates

BTC Rate
Fido
Wirex
BTC Max
Fido
Wirex
ETH Rate
Fido
Wirex
ETH Max
Fido
Wirex
Stablecoin Rate
Fido 10%
Wirex

Unique Pros

  • Deposit or withdraw USDC or USD
  • $100k insurance included
  • Fixed target rate

Key Cons

  • 10% is a target rate, not guaranteed
  • US-focused

Unique Pros

  • Competitive rates for crypto

Key Cons

  • Earn achieved by converting to DAI internally
  • X-Account rates vary by coin