Ledn specialises in Bitcoin savings and BTC-backed loans. a0bank covers ten cryptocurrencies with broader regulatory licences and a multi-currency bank account. Here is how they compare.
Our verdict
Ledn is a solid choice for Bitcoin maximalists who want BTC-focused savings and loans. However, it supports only four assets, lacks a debit card, and is not available in the UK or EU. a0bank covers ten crypto assets, seven fiat currencies, a Visa debit card, and holds seven regulatory licences β offering a more complete banking platform for most users.
| Feature | a0bank | Ledn |
|---|---|---|
| Annual savings yield | 6.25% APR β all 10 assets | Up to 5.5% APR (BTC, USDC focused) |
| Lock-up required | No | Yes β USDC Growth accounts require lock-up |
| Supported crypto assets | 10 assets | 4 assets (BTC, ETH, USDC, USDT) |
| Fiat currencies | 7 currencies | USD only |
| Visa / Mastercard card | Yes β Visa, 180+ countries | No |
| Crypto-backed loans | Yes β 10 assets accepted | Yes β BTC-backed loans |
| Regulatory licences | 7 licences β FCA, MAS, ASIC, DFSA, CySEC, FSA, MiFID II | MSB (Canada), limited international coverage |
| Minimum deposit | None | None |
| Cold storage custody | Institutional β 100% offline | Yes β Coinbase Custody |
| UK / EU availability | Yes β FCA-authorised (UK) | Not available in UK or EU |
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