CIR animation

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

Figure Markets
Lulo

Lulo

Lulo is a stablecoin-focused savings platform that enables users to earn yield via DeFi on Solana. It automatically allocates deposited funds across s...

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-...

VS

General

Platform
Lulo logo
Fido logo
Founded
Lulo 2023
Fido 2025
Headquarters
Lulo
Fido
Availability
Lulo Worldwide
Fido Worldwide

Fees & Financial

Bonus
Lulo Earn boosted rewards with referral code: 0ACZRU
Fido 30-day 1% APY boost with code: CIR ($250 deposit required)
Token
Lulo
Fido
Compounding
Lulo Yes
Fido Yes
Payouts
Lulo Every second
Fido Every second
Fees
Lulo None
Fido None
Lockup
Lulo None to 24 hours
Fido None
Maker Fee
Lulo
Fido
Taker Fee
Lulo
Fido

Cryptocurrency Rates

BTC Rate
Lulo
Fido
BTC Max
Lulo
Fido
ETH Rate
Lulo
Fido
ETH Max
Lulo
Fido
Stablecoin Rate
Lulo 5.25%
Fido 10%

Unique Pros

  • Solid yield rates on stablecoins
  • Easy to use app

Key Cons

  • One-time setup fee for new accounts

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