CIR animation

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

Figure Markets
River

River

River is a Bitcoin-focused savings platform. You can buy and hold BTC, alongside USD. It only serves customers in the US. Earn Bitcoin on USD Un...

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
River logo
Wirex logo
Founded
River 2019
Wirex 2014
Headquarters
River USA
Wirex London, UK
Availability
River US only, excluding NY and NV
Wirex Worldwide, excluding NY

Fees & Financial

Bonus
River Earn up to $100 in BTC
Wirex
Token
River
Wirex WXT
Compounding
River No
Wirex Yes
Payouts
River Monthly
Wirex Weekly
Fees
River None
Wirex
Lockup
River
Wirex None
Maker Fee
River
Wirex
Taker Fee
River
Wirex

Cryptocurrency Rates

BTC Rate
River
Wirex
BTC Max
River
Wirex
ETH Rate
River
Wirex
ETH Max
River
Wirex
Stablecoin Rate
River
Wirex

Unique Pros

  • USD interest paid out in BTC (unique)
  • FDIC-insured cash deposits

Key Cons

  • US only
  • Bitcoin-only, no altcoin support

Unique Pros

  • Competitive rates for crypto

Key Cons

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