{ "schema_version": "1.2.0", "data_schema_version": "cya_registry_public_data_v2", "project_id": "crypto-yield-archive", "dataset": "customer_outcomes", "canonical_origin": "https://cya.badjoke-lab.com", "canonical_only": true, "generated_at": "2026-08-31T16:44:22.893Z", "build": { "commit": "1556a9022d96de62d086007ed7346d1eeaaf89d2", "branch": "main", "generated_at": "2026-08-31T16:44:22.893Z", "verification_marker": "cya_machine_readable_layer_v2" }, "record_count": 130, "records": [ { "platform_id": "cya_plat_000009", "outcome_status": "claims_ongoing", "estimated_recovery_rate": "No final universal recovery rate is established in the reviewed company announcement or Singapore High Court judgments.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Singapore moratorium and scheme-of-arrangement process for group creditor claims", "claim_process_url": "https://www.elitigation.sg/gdviewer/s/2023_SGHC_329", "affected_products": [ "Babel institutional lending balances", "asset-management claims", "prime-finance and counterparty claims" ], "notes": "The High Court permitted a scheme creditors' meeting in November 2023, but leave to convene a meeting is not scheme sanction or completed distribution. Keep claims ongoing until an authoritative later source establishes final scheme effectiveness and distributions.", "confidence": "high", "as_of": "2026-06-15", "scope": { "platform_id": "cya_plat_000009", "product_names": [ "Babel institutional lending balances", "asset-management claims", "prime-finance and counterparty claims" ], "claim_classes": [], "jurisdictions": [], "platform_origin": "Hong Kong / Singapore", "scope_status": "not_specified" } }, { "platform_id": "cya_plat_000010", "outcome_status": "not_applicable", "estimated_recovery_rate": "not_applicable", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "not applicable; active platform comparator", "claim_process_url": "https://nexo.com/", "affected_products": [ "Nexo Earn Interest Product", "borrow/lend services" ], "notes": "Nexo is tracked as an active comparator and regulatory-action case, not as a collapse or customer recovery case.", "confidence": "medium", "as_of": "2026-06-05", "scope": { "platform_id": "cya_plat_000010", "product_names": [ "Nexo Earn Interest Product", "borrow/lend services" ], "claim_classes": [], "jurisdictions": [], "platform_origin": "Europe / Global", "scope_status": "not_specified" } }, { "platform_id": "cya_plat_000011", "outcome_status": "not_applicable", "estimated_recovery_rate": "not_applicable", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "not applicable; active platform comparator", "claim_process_url": "https://ledn.io/", "affected_products": [ "bitcoin-backed loans", "savings or yield products" ], "notes": "Ledn is tracked as an active comparator record. Customer-recovery classification is not applicable unless a future halt, restructuring, or claims event occurs.", "confidence": "medium", "as_of": "2026-06-05", "scope": { "platform_id": "cya_plat_000011", "product_names": [ "bitcoin-backed loans", "savings or yield products" ], "claim_classes": [], "jurisdictions": [], "platform_origin": "Canada / Global", "scope_status": "not_specified" } }, { "platform_id": "cya_plat_000012", "outcome_status": "claims_ongoing", "estimated_recovery_rate": "unknown_restructuring_dependent", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "ongoing restructuring and client claim process", "claim_process_url": "https://www.blockfills.com/", "affected_products": [ "client deposits", "institutional financing balances", "institutional lending and trading accounts" ], "notes": "BlockFills remains an ongoing restructuring and client-recovery case. Public reporting confirms the transfer halt and restructuring work, but no final recovery rate or completed repayment path is established.", "confidence": "high", "as_of": "2026-06-09", "scope": { "platform_id": "cya_plat_000012", "product_names": [ "client deposits", "institutional financing balances", "institutional lending and trading accounts" ], "claim_classes": [], "jurisdictions": [], "platform_origin": "United States", "scope_status": "not_specified" } }, { "platform_id": "cya_plat_000013", "outcome_status": "partial_repayment", "estimated_recovery_rate": "Near-total return documented but no universal final percentage established. The SEC complaint stated that nearly all U.S. Abra Earn assets had been returned by June 2024, with approximately $2.9 million remaining on the platform; multistate settlement terms required remaining U.S. customer assets to be refunded.", "repayment_started_at": "2023-06-14", "repayment_completed_at": null, "repayment_method": "Customer withdrawals after conversion of Earn and Boost balances to Abra Trade accounts, followed where necessary by state-settlement in-kind transfers or fiat checks", "claim_process_url": "https://www.csbs.org/newsroom/state-financial-regulators-settle-abra-return-cryptocurrency-assets", "affected_products": [ "Abra Earn", "Abra Boost", "U.S. retail Abra Trade balances created during the wind-down" ], "notes": "Official sources document extensive asset returns and a process for remaining balances, but the reviewed materials do not establish a single final completion date for every U.S. customer. Partial repayment here means the return process was materially completed but not conclusively closed; it does not assert a customer haircut.", "confidence": "high", "as_of": "2026-06-15", "scope": { "platform_id": "cya_plat_000013", "product_names": [ "Abra Earn", "Abra Boost", "U.S. retail Abra Trade balances created during the wind-down" ], "claim_classes": [], "jurisdictions": [], "platform_origin": "United States / Global", "scope_status": "not_specified" } }, { "platform_id": "cya_plat_000014", "outcome_status": "full_repayment", "estimated_recovery_rate": "in_kind_asset_return_reported", "repayment_started_at": "2024-05-29", "repayment_completed_at": null, "repayment_method": "Genesis bankruptcy process and Gemini Earn in-kind distributions", "claim_process_url": "https://www.gemini.com/earn", "affected_products": [ "Gemini Earn customer balances", "Genesis-linked lending claims" ], "notes": "Gemini announced in-kind digital asset returns for Earn users after the Genesis bankruptcy process. Treat as Earn-specific recovery, not a universal Genesis creditor outcome.", "confidence": "high", "as_of": "2026-06-05", "scope": { "platform_id": "cya_plat_000014", "product_names": [ "Gemini Earn customer balances", "Genesis-linked lending claims" ], "claim_classes": [], "jurisdictions": [], "platform_origin": "United States", "scope_status": "not_specified" } }, { "platform_id": "cya_plat_000015", "outcome_status": "not_applicable", "estimated_recovery_rate": "not_applicable", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "regulatory product shutdown rather than insolvency recovery", "claim_process_url": "https://www.sec.gov/newsroom/press-releases/2023-25", "affected_products": [ "Kraken U.S. staking-as-a-service program" ], "notes": "Kraken Staking is tracked as a regulatory product-change record. It is not a customer insolvency or bankruptcy-recovery case.", "confidence": "high", "as_of": "2026-06-05", "scope": { "platform_id": "cya_plat_000015", "product_names": [ "Kraken U.S. staking-as-a-service program" ], "claim_classes": [], "jurisdictions": [], "platform_origin": "United States / Global", "scope_status": "not_specified" } }, { "platform_id": "cya_plat_000016", "outcome_status": "not_applicable", "estimated_recovery_rate": "not_applicable", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "regulatory product-risk record rather than insolvency recovery case", "claim_process_url": "https://www.sec.gov/newsroom/press-releases/2025-47", "affected_products": [ "Coinbase staking services" ], "notes": "Coinbase Staking is tracked as a regulatory product-risk record, not a customer insolvency or bankruptcy-recovery case.", "confidence": "high", "as_of": "2026-06-05", "scope": { "platform_id": "cya_plat_000016", "product_names": [ "Coinbase staking services" ], "claim_classes": [], "jurisdictions": [], "platform_origin": "United States / Global", "scope_status": "not_specified" } }, { "platform_id": "cya_plat_000017", "outcome_status": "partial_repayment", "estimated_recovery_rate": "unknown", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "enforcement-linked restitution and forfeiture distributions to identified victims, not a normal platform repayment process", "claim_process_url": "https://www.justice.gov/usao-sdca/pr/victims-bitconnect-scheme-receive-more-17-million-compensate-losses", "affected_products": [ "BitConnect Lending Program", "BCC token-related customer positions" ], "claim_classes": [ "identified victims covered by U.S. criminal restitution/forfeiture proceedings" ], "jurisdictions": [ "United States enforcement proceedings", "victims in more than 40 countries" ], "as_of": "2026-08-16", "last_verified_at": "2026-08-16", "notes": "Stage 2 review confirms an actual enforcement-linked recovery path: in January 2023 a federal court ordered $17,646,801 in restitution for approximately 800 victims in more than 40 countries, and the U.S. Attorney's Office later reported that recovered bitcoin proceeds produced $17,647,813 in restitution paid directly to victims, with an additional $1,003,900.17 in forfeited funds for victims. These amounts establish partial recovery for identified victims but do not establish a platform-wide recovery percentage, do not cover all BitConnect victims, and do not represent a normal platform claims or repayment process.", "confidence": "high", "scope": { "platform_id": "cya_plat_000017", "product_names": [ "BitConnect Lending Program", "BCC token-related customer positions" ], "claim_classes": [ "identified victims covered by U.S. criminal restitution/forfeiture proceedings" ], "jurisdictions": [ "United States enforcement proceedings", "victims in more than 40 countries" ], "platform_origin": "United Kingdom / Global", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000018", "outcome_status": "not_applicable", "estimated_recovery_rate": "not_applicable", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Controlled voluntary marketplace wind-down: active borrower repayments remained available until individual loans were repaid or defaulted, while stored BTC balances could be withdrawn during the announced closure window.", "claim_process_url": null, "affected_products": [ "BTCJam peer-to-peer bitcoin loans", "BTC balances stored on BTCJam during wind-down" ], "claim_classes": [], "jurisdictions": [ "United States", "Global borrower and lender base" ], "as_of": "2026-08-16", "last_verified_at": "2026-08-16", "notes": "Stage 2 review resolves the platform-wide outcome semantics as `not_applicable`, not as full repayment. BTCJam's closure model left loan-level outcomes to ordinary repayment or borrower default and provided a withdrawal window for stored BTC. The reviewed public record does not establish an aggregate lender recovery/default rate, does not prove that every stored BTC balance was withdrawn, and does not establish a platform insolvency, creditor claims process, or common recovery distribution. Individual loan defaults therefore remain distinct from the platform-wide closure outcome.", "confidence": "high", "scope": { "platform_id": "cya_plat_000018", "product_names": [ "BTCJam peer-to-peer bitcoin loans", "BTC balances stored on BTCJam during wind-down" ], "claim_classes": [], "jurisdictions": [ "United States", "Global borrower and lender base" ], "platform_origin": "United States / Global", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000019", "outcome_status": "not_applicable", "estimated_recovery_rate": "not_applicable", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "active product comparator rather than customer recovery case", "claim_process_url": "https://crypto.com/earn", "affected_products": [ "Crypto.com Earn" ], "notes": "Crypto.com Earn is included as an active comparator; no customer insolvency or wind-down outcome is asserted by this record.", "confidence": "medium", "as_of": "2026-06-07", "scope": { "platform_id": "cya_plat_000019", "product_names": [ "Crypto.com Earn" ], "claim_classes": [], "jurisdictions": [], "platform_origin": "Singapore / Global", "scope_status": "not_specified" } }, { "platform_id": "cya_plat_000020", "outcome_status": "not_applicable", "estimated_recovery_rate": "not_applicable", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "regulatory product-change record rather than insolvency recovery case", "claim_process_url": "https://www.sec.gov/newsroom/press-releases/2023-11", "affected_products": [ "Nexo Earn Interest Product for U.S. investors" ], "notes": "Nexo Earn Interest Product is tracked as a U.S. regulatory product-change record. It is not a customer insolvency or bankruptcy-recovery case.", "confidence": "high", "as_of": "2026-06-08", "scope": { "platform_id": "cya_plat_000020", "product_names": [ "Nexo Earn Interest Product for U.S. investors" ], "claim_classes": [], "jurisdictions": [], "platform_origin": "United Kingdom / Bulgaria / Global", "scope_status": "not_specified" } }, { "platform_id": "cya_plat_000021", "outcome_status": "no_recovery", "estimated_recovery_rate": "not_applicable / market-collapse outcome rather than custodial bankruptcy recovery", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "not applicable; Anchor was a DeFi yield product exposed to UST collapse rather than a centralized claims process", "claim_process_url": "https://www.sec.gov/newsroom/press-releases/2023-32", "affected_products": [ "Anchor UST deposit yield product", "TerraUSD-denominated savings/yield use case" ], "notes": "Anchor is classified as a market-collapse yield-product failure. There was no conventional platform bankruptcy estate or centralized repayment process for Anchor depositors in the same sense as CeFi lender bankruptcies.", "confidence": "medium", "as_of": "2026-06-11", "scope": { "platform_id": "cya_plat_000021", "product_names": [ "Anchor UST deposit yield product", "TerraUSD-denominated savings/yield use case" ], "claim_classes": [], "jurisdictions": [], "platform_origin": "Terra ecosystem / Global", "scope_status": "not_specified" } }, { "platform_id": "cya_plat_000022", "outcome_status": "partial_repayment", "estimated_recovery_rate": "No single final cash recovery rate. The platform recalculated balances, applied asset-specific deductions and issued token-based compensation whose later value could vary.", "repayment_started_at": "2022-12-27", "repayment_completed_at": null, "repayment_method": "Platform balance adjustment with remaining asset balances and MIDAS-token compensation", "claim_process_url": "https://blog.midas.investments/midas-closure-reasons-and-pivot-to-cedefi/", "affected_products": [ "Midas fixed-yield accounts", "managed CeDeFi yield strategies" ], "notes": "Classified as partial repayment because customers retained adjusted balances and received a compensation mechanism, but this was not a court-supervised distribution and no universal final recovery percentage is asserted.", "confidence": "high", "as_of": "2026-06-15", "scope": { "platform_id": "cya_plat_000022", "product_names": [ "Midas fixed-yield accounts", "managed CeDeFi yield strategies" ], "claim_classes": [], "jurisdictions": [], "platform_origin": "Global", "scope_status": "not_specified" } }, { "platform_id": "cya_plat_000023", "outcome_status": "claims_ongoing", "estimated_recovery_rate": "unknown_liquidation_dependent", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Cayman Islands official liquidation and asset-recovery process", "claim_process_url": "https://www.businesswire.com/news/home/20231023866212/en/RE-Aubit-International-in-official-liquidation-the-Company", "affected_products": [ "Freeway Supercharger products", "Freeway customer balances", "related AuBit creditor claims" ], "notes": "Customer recovery remains dependent on the AuBit International official liquidation, asset tracing, claim admission, and any recoveries from affiliated entities or service providers. No reliable universal recovery percentage is established in this record.", "confidence": "high", "as_of": "2026-06-14", "scope": { "platform_id": "cya_plat_000023", "product_names": [ "Freeway Supercharger products", "Freeway customer balances", "related AuBit creditor claims" ], "claim_classes": [], "jurisdictions": [], "platform_origin": "Cayman Islands / Seychelles / Global", "scope_status": "not_specified" } }, { "platform_id": "cya_plat_000024", "outcome_status": "claims_ongoing", "estimated_recovery_rate": "unknown_liquidation_dependent", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "insolvent liquidation, asset realization, litigation recoveries, and creditor claim administration", "claim_process_url": "https://corkgully.com/liquidators-appointed-to-yield-app-to-oversee-insolvency-proceedings/", "affected_products": [ "Yield App digital wealth accounts", "Yield App Earn and managed yield products", "customer platform balances" ], "notes": "No reliable universal recovery percentage is established. Customer outcomes depend on the joint liquidators' asset realization, litigation, claims adjudication, and distribution process.", "confidence": "high", "as_of": "2026-06-15", "scope": { "platform_id": "cya_plat_000024", "product_names": [ "Yield App digital wealth accounts", "Yield App Earn and managed yield products", "customer platform balances" ], "claim_classes": [], "jurisdictions": [], "platform_origin": "Seychelles / Global", "scope_status": "not_specified" } }, { "platform_id": "cya_plat_000025", "outcome_status": "unknown", "estimated_recovery_rate": "unknown; dependent on residual asset treatment and individual legal claims", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "no verified consolidated Stablegains-wide repayment or settlement process established in the reviewed public record", "claim_process_url": null, "affected_products": [ "Stablegains stablecoin yield accounts", "customer USDC deposits converted into UST-linked strategy exposure" ], "claim_classes": [], "jurisdictions": [ "United States", "Global customer base" ], "as_of": "2026-08-16", "last_verified_at": "2026-08-16", "notes": "Stage 2 review adds the February 2023 U.S. customer lawsuit to the post-collapse lifecycle but does not convert complaint allegations into adjudicated findings. The reviewed public material does not establish a Stablegains-wide settlement, completed customer distribution, or uniform recovery percentage. Terra/Terraform litigation and claimant recoveries are not treated as Stablegains-specific recovery, and proposed community relief for pooled Stablegains users is not treated as an actual distribution. `unknown` is therefore retained fail-close.", "confidence": "medium", "scope": { "platform_id": "cya_plat_000025", "product_names": [ "Stablegains stablecoin yield accounts", "customer USDC deposits converted into UST-linked strategy exposure" ], "claim_classes": [], "jurisdictions": [ "United States", "Global customer base" ], "platform_origin": "United States / Global", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000026", "outcome_status": "claims_ongoing", "estimated_recovery_rate": "No final universal recovery rate; the proposed class settlement described an expected net settlement of approximately $4 million for pro rata distribution, while earlier company-plan payments and possible SEC distributions remain separate.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Earlier company plan payments, a proposed class-settlement liquidating trust, and possible separate regulatory distributions", "claim_process_url": "https://constsettlement.com/", "affected_products": [ "MyConstant Loan Matching Service", "MyConstant Crypto-Lending Platform account", "MyConstant Instant Access account" ], "notes": "MyConstant had returned some funds after closing, but prior plan payments were later terminated. The court-authorized settlement site described a proposed liquidating trust and pro rata distributions subject to the settlement process. CYA does not treat the case as completed repayment or assign a customer-wide percentage.", "confidence": "high", "as_of": "2026-06-14", "scope": { "platform_id": "cya_plat_000026", "product_names": [ "MyConstant Loan Matching Service", "MyConstant Crypto-Lending Platform account", "MyConstant Instant Access account" ], "claim_classes": [], "jurisdictions": [], "platform_origin": "United States / Vietnam / Global", "scope_status": "not_specified" } }, { "platform_id": "cya_plat_000027", "outcome_status": "claims_ongoing", "estimated_recovery_rate": "Unknown; dependent on the Korean bankruptcy estate, asset realization, counterparty recoveries, and claim adjudication.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Court-supervised bankruptcy liquidation and creditor distributions", "claim_process_url": "https://slb.scourt.go.kr/", "affected_products": [ "Delio crypto savings and deposit products", "Delio crypto-backed lending products", "Delio staking products" ], "notes": "The bankruptcy process required creditor claims and moved Delio into liquidation. Public reporting identified a claim-filing deadline of 21 February 2025 and a first creditor meeting scheduled for March 2025, but no reliable public record reviewed for this batch establishes a completed distribution or one universal recovery percentage.", "confidence": "medium", "as_of": "2026-06-14", "scope": { "platform_id": "cya_plat_000027", "product_names": [ "Delio crypto savings and deposit products", "Delio crypto-backed lending products", "Delio staking products" ], "claim_classes": [], "jurisdictions": [], "platform_origin": "South Korea", "scope_status": "not_specified" } }, { "platform_id": "cya_plat_000028", "outcome_status": "full_repayment", "estimated_recovery_rate": "100% of investor funds claimed according to the SEC order", "repayment_started_at": "2022-03-25", "repayment_completed_at": null, "repayment_method": "Customer-initiated withdrawals during the voluntary product wind-down", "claim_process_url": "https://www.sec.gov/files/litigation/admin/2023/33-11229.pdf", "affected_products": [ "Linus Interest Accounts" ], "notes": "Linus asked investors to withdraw by 22 April 2022 and stopped paying interest on that date. The SEC later confirmed that all investor funds had been claimed. The exact date of the final withdrawal is not stated in the public order.", "confidence": "high", "as_of": "2026-06-14", "scope": { "platform_id": "cya_plat_000028", "product_names": [ "Linus Interest Accounts" ], "claim_classes": [], "jurisdictions": [], "platform_origin": "United States", "scope_status": "not_specified" } }, { "platform_id": "cya_plat_000029", "outcome_status": "claims_ongoing", "estimated_recovery_rate": "No final universal recovery rate established. Customers received limited withdrawal access before the court-approved scheme provided for further asset and equity allocations.", "repayment_started_at": "2022-07-15", "repayment_completed_at": null, "repayment_method": "Limited withdrawals followed by scheme-based distributions, locked-asset treatment and creditor equity claims", "claim_process_url": "https://www.coinflexportal.com/", "affected_products": [ "CoinFLEX exchange balances", "flexUSD", "locked balances", "repo and lending products" ], "notes": "The scheme approval and creditor portal show an active recovery process, but the reviewed sources do not establish completed distributions for every creditor or a final percentage recovery. The ten-percent withdrawal event is recorded as the beginning of customer access, not final repayment.", "confidence": "high", "as_of": "2026-06-15", "scope": { "platform_id": "cya_plat_000029", "product_names": [ "CoinFLEX exchange balances", "flexUSD", "locked balances", "repo and lending products" ], "claim_classes": [], "jurisdictions": [], "platform_origin": "Seychelles / Global", "scope_status": "not_specified" } }, { "platform_id": "cya_plat_000030", "outcome_status": "claims_ongoing", "estimated_recovery_rate": "No final universal recovery rate is established for all ZipUp, exchange-wallet and entity-level creditor classes.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Multi-entity Singapore winding-up proceedings together with regulator-directed return or transfer of client assets in Thailand", "claim_process_url": "https://www.elitigation.sg/gd/s/2024_SGHC_298", "affected_products": [ "ZipUp", "ZipUp+", "Z Wallet and exchange balances", "entity-level creditor claims" ], "notes": "Some ordinary wallet access and asset-return channels differed from ZipUp-related claims. Singapore entities entered winding-up proceedings, while Thailand required the licensed company to return or transfer client assets. The reviewed sources do not establish completed distributions or one recovery percentage across all jurisdictions and products.", "confidence": "high", "as_of": "2026-06-15", "scope": { "platform_id": "cya_plat_000030", "product_names": [ "ZipUp", "ZipUp+", "Z Wallet and exchange balances", "entity-level creditor claims" ], "claim_classes": [], "jurisdictions": [], "platform_origin": "Singapore / Thailand / Indonesia / Australia", "scope_status": "not_specified" } }, { "platform_id": "cya_plat_000031", "outcome_status": "claims_ongoing", "estimated_recovery_rate": "No final universal recovery rate is established for all Cred customer and creditor classes.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Chapter 11 liquidation plan and liquidation trust administration", "claim_process_url": "https://bankruptcy.angeiongroup.com/Clients/cred/Index", "affected_products": [ "CredEarn", "CredBorrow", "other customer and creditor claims" ], "notes": "The liquidation plan became effective on 19 April 2021, but that milestone does not establish completed distributions. Criminal sentences and valuation estimates do not determine bankruptcy recoveries.", "confidence": "high", "as_of": "2026-06-18", "scope": { "platform_id": "cya_plat_000031", "product_names": [ "CredEarn", "CredBorrow", "other customer and creditor claims" ], "claim_classes": [], "jurisdictions": [], "platform_origin": "United States / Global", "scope_status": "not_specified" } }, { "platform_id": "cya_plat_000032", "outcome_status": "not_applicable", "estimated_recovery_rate": "not_applicable", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Active lending platform; California borrower refunds and collateral-return procedures were handled through a regulatory settlement", "claim_process_url": "https://saltlending.com/california-dfpi-notice/", "affected_products": [ "crypto-backed loans", "California borrower refunds", "collateral return" ], "notes": "SALT is tracked as an active comparator with a historical withdrawal pause and borrower settlement, not as a platform-wide insolvency claims process.", "confidence": "high", "as_of": "2026-06-18", "scope": { "platform_id": "cya_plat_000032", "product_names": [ "crypto-backed loans", "California borrower refunds", "collateral return" ], "claim_classes": [], "jurisdictions": [], "platform_origin": "United States / Global", "scope_status": "not_specified" } }, { "platform_id": "cya_plat_000033", "outcome_status": "claims_ongoing", "estimated_recovery_rate": "No universal Donut-specific final recovery rate is established by the reviewed sources.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Underlying Genesis Chapter 11 distributions and Donut account-update process", "claim_process_url": "https://restructuring.ra.kroll.com/genesis/", "affected_products": [ "Donut Grow", "Donut Build", "Donut Save", "other Donut account balances" ], "claim_classes": [], "jurisdictions": [], "as_of": "2026-08-03", "last_verified_at": "2026-08-03", "notes": "Genesis began creditor distributions in August 2024, but the reviewed sources do not establish one Donut-specific completion date or recovery percentage for every user. Gemini Earn's separately documented outcome is not applied to Donut.", "confidence": "medium", "scope": { "platform_id": "cya_plat_000033", "product_names": [ "Donut Grow", "Donut Build", "Donut Save", "other Donut account balances" ], "claim_classes": [], "jurisdictions": [], "platform_origin": "United States", "scope_status": "not_specified" } }, { "platform_id": "cya_plat_000034", "outcome_status": "partial_repayment", "estimated_recovery_rate": "unknown; reviewed reporting establishes selective full recoveries and a buyback mechanism but not a uniform Finblox-wide recovery percentage", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "mixed recovery path including selective cash repayment/test buybacks and conversion of affected debt into FBX tokens", "claim_process_url": null, "affected_products": [ "Finblox Earn", "Finblox Crypto Vault", "other custodial balances", "reserved balances converted into FBX" ], "claim_classes": [], "jurisdictions": [ "Global customer base", "Hong Kong-related customer disputes" ], "as_of": "2026-08-16", "last_verified_at": "2026-08-16", "notes": "Stage 2 review changes the platform-wide outcome from `unknown` to `partial_repayment` because contemporaneous reporting documents actual selective repayments and Finblox's acknowledged test buyback scheme, while later closure reporting still records customers with unresolved losses. FBX debt conversion is not treated as cash or crypto repayment at par, individual full recoveries are not generalized to all users, and the 2026 UK-company dissolution is not evidence that all customer liabilities were resolved. No universal final recovery percentage or completed repayment date is established.", "confidence": "medium", "scope": { "platform_id": "cya_plat_000034", "product_names": [ "Finblox Earn", "Finblox Crypto Vault", "other custodial balances", "reserved balances converted into FBX" ], "claim_classes": [], "jurisdictions": [ "Global customer base", "Hong Kong-related customer disputes" ], "platform_origin": "Hong Kong / United Kingdom / Global", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000035", "outcome_status": "not_applicable", "estimated_recovery_rate": "not_applicable", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Orderly voluntary wind-down with user-initiated bank and crypto withdrawals during announced withdrawal windows", "claim_process_url": null, "affected_products": [ "Pillow BTC Case", "Pillow ETH Case", "Pillow stablecoin Cases", "other Pillow wallet balances" ], "claim_classes": [], "jurisdictions": [ "Singapore", "India", "Global customer base" ], "as_of": "2026-08-16", "last_verified_at": "2026-08-16", "notes": "Stage 2 review resolves the platform-wide outcome semantics as `not_applicable`, not `full_repayment`. Pillow announced a voluntary wind-down rather than an insolvency or creditor-recovery process and told users that deposits and accrued interest were available for withdrawal, with bank withdrawals open through 7 July 2023 and crypto withdrawals through the 31 July 2023 closure. A platform-wide recovery percentage is therefore not the appropriate model. CYA does not claim that every customer completed withdrawal, that every balance was recovered successfully, or that withdrawal availability proves broader solvency beyond the announced wind-down process.", "confidence": "high", "scope": { "platform_id": "cya_plat_000035", "product_names": [ "Pillow BTC Case", "Pillow ETH Case", "Pillow stablecoin Cases", "other Pillow wallet balances" ], "claim_classes": [], "jurisdictions": [ "Singapore", "India", "Global customer base" ], "platform_origin": "Singapore / India / Global", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000036", "outcome_status": "claims_ongoing", "estimated_recovery_rate": "No universal final recovery rate is assigned; Celsius distributions are claim-specific and continued through multiple rounds.", "repayment_started_at": "2024-01-31", "repayment_completed_at": null, "repayment_method": "Celsius Chapter 11 plan distributions through approved distribution partners", "claim_process_url": "https://cases.stretto.com/celsius", "affected_products": [ "Nuri Bitcoin Interest Account", "Bitwala Bitcoin Interest Account" ], "claim_classes": [ "Celsius General Earn Claims or other claim classification assigned through the Celsius process" ], "jurisdictions": [ "Germany", "European Union", "other supported Celsius creditor jurisdictions" ], "as_of": "2026-08-03", "last_verified_at": "2026-08-03", "notes": "Ordinary Nuri bank balances, custody wallets and self-custodial vaults are outside this outcome. Former Nuri interest-account users depend on their individual Celsius claim and distribution status.", "confidence": "high", "scope": { "platform_id": "cya_plat_000036", "product_names": [ "Nuri Bitcoin Interest Account", "Bitwala Bitcoin Interest Account" ], "claim_classes": [ "Celsius General Earn Claims or other claim classification assigned through the Celsius process" ], "jurisdictions": [ "Germany", "European Union", "other supported Celsius creditor jurisdictions" ], "platform_origin": "Germany / European Union", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000037", "outcome_status": "full_repayment", "estimated_recovery_rate": "All cryptocurrency lent under the Earner product was returned to users in full after discontinuation.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Return of cryptocurrency after the Earner product was discontinued", "claim_process_url": null, "affected_products": [ "USD Earner", "Gold Earner", "Crypto Earner" ], "claim_classes": [], "jurisdictions": [ "Australia" ], "as_of": "2026-08-03", "last_verified_at": "2026-08-03", "notes": "The Federal Court penalty judgment records that all cryptocurrency lent through Earner was returned to users within weeks of discontinuation. This outcome applies only to Earner and not to Block Earner's separate Access product or current services. No exact universal completion date was identified.", "confidence": "high", "scope": { "platform_id": "cya_plat_000037", "product_names": [ "USD Earner", "Gold Earner", "Crypto Earner" ], "claim_classes": [], "jurisdictions": [ "Australia" ], "platform_origin": "Australia", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000038", "outcome_status": "not_applicable", "estimated_recovery_rate": "not_applicable", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Orderly voluntary product wind-down using user-initiated unlend and withdrawal through the Flint application", "claim_process_url": null, "affected_products": [ "Flint fixed-yield stablecoin products", "other Flint Money yield balances" ], "claim_classes": [], "jurisdictions": [ "India", "Singapore", "Global customer base" ], "as_of": "2026-08-16", "last_verified_at": "2026-08-16", "notes": "Stage 2 review resolves the platform-wide outcome semantics as `not_applicable`, not `full_repayment`. Flint phased out its yield service voluntarily under regulatory uncertainty, published a first-party unlend-and-withdraw procedure, and told users that principal plus interest earned through 23 January 2023 was safe and would be returned. This was not presented as an insolvency, creditor-claims, or common recovery-distribution process, so a platform-wide recovery percentage is not the appropriate model. CYA does not claim that every user completed withdrawal, does not convert Flint's safety assurance into proof of universal completed repayment, and does not invent an exact final service cutoff where the historical sources conflict.", "confidence": "high", "scope": { "platform_id": "cya_plat_000038", "product_names": [ "Flint fixed-yield stablecoin products", "other Flint Money yield balances" ], "claim_classes": [], "jurisdictions": [ "India", "Singapore", "Global customer base" ], "platform_origin": "India / Singapore / Global", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000039", "outcome_status": "partial_repayment", "estimated_recovery_rate": "Recovery varied by program, asset and customer. Scheduled-release customers received more than the fixed incident-date U.S.-dollar value by August 2024, while exit-payout customers accepted deductions and later settlement offers used different terms.", "repayment_started_at": "2023-04-28", "repayment_completed_at": "2026-06-30", "repayment_method": "Migration, discounted exit payouts, monthly scheduled USDC releases, conditional claim conversion and final settlement offers", "claim_process_url": "https://inlock.io/blog/", "affected_products": [ "Inlock Savings Account", "other Inlock custodial customer-asset balances affected by the November 2022 incident" ], "claim_classes": [ "Vigiler migration participants", "Exit Payout participants", "Scheduled Release participants", "Final Settlement participants" ], "jurisdictions": [ "European Union", "Global supported customer jurisdictions" ], "as_of": "2026-08-03", "last_verified_at": "2026-08-03", "notes": "The 2024 value benchmark was calculated using fixed incident-date U.S.-dollar values and applied to the scheduled-release cohort; it was not a universal in-kind recovery result. Some customers accepted discounted exits, others migrated or accepted later settlement offers. Inlock ended active customer-asset services on 30 June 2026 after completing the recovery-process wind-down.", "confidence": "high", "scope": { "platform_id": "cya_plat_000039", "product_names": [ "Inlock Savings Account", "other Inlock custodial customer-asset balances affected by the November 2022 incident" ], "claim_classes": [ "Vigiler migration participants", "Exit Payout participants", "Scheduled Release participants", "Final Settlement participants" ], "jurisdictions": [ "European Union", "Global supported customer jurisdictions" ], "platform_origin": "Hungary / Lithuania / European Union", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000040", "outcome_status": "not_applicable", "estimated_recovery_rate": "No customer-loss or repayment event was identified; Stablehouse was acquired and transitioned within the XBTO group.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable", "claim_process_url": null, "affected_products": [ "Historical Stablehouse digital-asset yield products" ], "claim_classes": [], "jurisdictions": [], "as_of": "2026-08-03", "last_verified_at": "2026-08-03", "notes": "The reviewed sources establish acquisition and product transition rather than insolvency, withdrawal suspension or customer claims. No repayment or recovery percentage is assigned.", "confidence": "high", "scope": { "platform_id": "cya_plat_000040", "product_names": [ "Historical Stablehouse digital-asset yield products" ], "claim_classes": [], "jurisdictions": [], "platform_origin": "Bermuda / Global", "scope_status": "not_specified" } }, { "platform_id": "cya_plat_000041", "outcome_status": "not_applicable", "estimated_recovery_rate": "No customer-loss or repayment event is assigned. Reviewed sources describe product contraction, continued withdrawal availability, an ownership restructure, and continuing limited platform operation.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable", "claim_process_url": null, "affected_products": [ "AQRU Auto and Flex crypto yield products", "AQRU Maple products", "AQRU Real-World Receivables" ], "claim_classes": [], "jurisdictions": [ "Supported non-U.S. customer jurisdictions" ], "as_of": "2026-08-03", "last_verified_at": "2026-08-03", "notes": "AQRU plc stated in November 2022 that customer assets were available for withdrawal as normal, and the 2023 transfer announcement said customers should not experience service disruption. These statements do not prove a universal historical withdrawal result, but no reviewed evidence established a claims or repayment process requiring an outcome classification.", "confidence": "medium", "scope": { "platform_id": "cya_plat_000041", "product_names": [ "AQRU Auto and Flex crypto yield products", "AQRU Maple products", "AQRU Real-World Receivables" ], "claim_classes": [], "jurisdictions": [ "Supported non-U.S. customer jurisdictions" ], "platform_origin": "Bulgaria / United Kingdom / Global", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000042", "outcome_status": "not_applicable", "estimated_recovery_rate": "No platform-wide customer-loss, claims, or repayment event was identified in the reviewed sources; YouHodler remains an active comparator.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable", "claim_process_url": null, "affected_products": [ "YouHodler Savings Accounts", "YouHodler Yield Account", "YouHodler crypto-backed loans" ], "claim_classes": [], "jurisdictions": [ "Switzerland", "European Union", "Other supported jurisdictions" ], "as_of": "2026-08-03", "last_verified_at": "2026-08-03", "notes": "Not-applicable applies only because the platform is active and the reviewed record does not concern a failure or customer-recovery process. It is not a guarantee against product, counterparty, market, custody, or jurisdictional risk.", "confidence": "high", "scope": { "platform_id": "cya_plat_000042", "product_names": [ "YouHodler Savings Accounts", "YouHodler Yield Account", "YouHodler crypto-backed loans" ], "claim_classes": [], "jurisdictions": [ "Switzerland", "European Union", "Other supported jurisdictions" ], "platform_origin": "Switzerland / European Union / Global", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000043", "outcome_status": "not_applicable", "estimated_recovery_rate": "No platform-wide customer-loss, claims, or repayment event was identified for Wirex X-Accounts in the reviewed sources; the product remains active.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable", "claim_process_url": null, "affected_products": [ "X-Account Flexible", "X-Account Plus", "Fixed X-Account" ], "claim_classes": [], "jurisdictions": [ "Supported Wirex jurisdictions" ], "as_of": "2026-08-03", "last_verified_at": "2026-08-03", "notes": "Not-applicable reflects the absence of a reviewed failure or recovery process, not an assurance of principal protection, uninterrupted access, product availability, or solvency. X-Accounts are explicitly outside government-backed depositor-compensation schemes.", "confidence": "high", "scope": { "platform_id": "cya_plat_000043", "product_names": [ "X-Account Flexible", "X-Account Plus", "Fixed X-Account" ], "claim_classes": [], "jurisdictions": [ "Supported Wirex jurisdictions" ], "platform_origin": "United Kingdom / European Union / Global", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000044", "outcome_status": "not_applicable", "estimated_recovery_rate": "No product-wide customer-loss, claims, or repayment event was identified for SwissBorg Earn in the reviewed sources; Earn strategies remain active.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable", "claim_process_url": null, "affected_products": [ "SwissBorg Smart Yield", "SwissBorg Earn strategies" ], "claim_classes": [], "jurisdictions": [ "Supported SwissBorg jurisdictions" ], "as_of": "2026-08-03", "last_verified_at": "2026-08-03", "notes": "Not-applicable applies only because the product is active and no reviewed recovery process exists. Individual strategies can still carry smart-contract, protocol, counterparty, liquidity, slashing, market, operational, or redemption-delay risk.", "confidence": "high", "scope": { "platform_id": "cya_plat_000044", "product_names": [ "SwissBorg Smart Yield", "SwissBorg Earn strategies" ], "claim_classes": [], "jurisdictions": [ "Supported SwissBorg jurisdictions" ], "platform_origin": "Switzerland / European Union / Global", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000045", "outcome_status": "not_applicable", "estimated_recovery_rate": "No platform-wide customer-loss, claims, or repayment event was identified for CoinRabbit in the reviewed sources; loans and Earn remain active.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable", "claim_process_url": null, "affected_products": [ "CoinRabbit Earn Interest Product", "CoinRabbit fixed-term loans", "CoinRabbit open-ended loans" ], "claim_classes": [], "jurisdictions": [ "Supported CoinRabbit jurisdictions" ], "as_of": "2026-08-03", "last_verified_at": "2026-08-03", "notes": "Not-applicable reflects the absence of a reviewed failure or recovery process. It is not a guarantee of principal, collateral return, reserve sufficiency, product access, or solvency.", "confidence": "high", "scope": { "platform_id": "cya_plat_000045", "product_names": [ "CoinRabbit Earn Interest Product", "CoinRabbit fixed-term loans", "CoinRabbit open-ended loans" ], "claim_classes": [], "jurisdictions": [ "Supported CoinRabbit jurisdictions" ], "platform_origin": "Global", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000046", "outcome_status": "not_applicable", "estimated_recovery_rate": "No platform-wide customer-loss, claims, or repayment event was identified for Nebeus in the reviewed sources; lending and Renting remain active.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable", "claim_process_url": null, "affected_products": [ "Nebeus Crypto Renting programs", "Nebeus crypto-backed loans" ], "claim_classes": [], "jurisdictions": [ "European Union", "United Kingdom", "Other supported jurisdictions" ], "as_of": "2026-08-03", "last_verified_at": "2026-08-03", "notes": "Not-applicable applies because the platform is active and no reviewed recovery process exists. It does not eliminate counterparty, custody, operational, legal, lockup, liquidity, or provider risk.", "confidence": "high", "scope": { "platform_id": "cya_plat_000046", "product_names": [ "Nebeus Crypto Renting programs", "Nebeus crypto-backed loans" ], "claim_classes": [], "jurisdictions": [ "European Union", "United Kingdom", "Other supported jurisdictions" ], "platform_origin": "Spain / United Kingdom / European Union / Global", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000047", "outcome_status": "not_applicable", "estimated_recovery_rate": "No platform-wide customer-loss, claims, or repayment event was identified for Matrixport in the reviewed sources; yield and lending products remain active.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable", "claim_process_url": null, "affected_products": [ "Matrixport Fixed Income", "Matrixport flexible saving", "Matrixport structured-yield products", "Matrixport collateralized loans" ], "claim_classes": [], "jurisdictions": [ "Supported Matrixport jurisdictions" ], "as_of": "2026-08-05", "last_verified_at": "2026-08-05", "notes": "Not-applicable reflects the absence of a reviewed failure or recovery process. It is not a guarantee of principal, liquidity, custody, collateral return, regulatory protection, or solvency.", "confidence": "high", "scope": { "platform_id": "cya_plat_000047", "product_names": [ "Matrixport Fixed Income", "Matrixport flexible saving", "Matrixport structured-yield products", "Matrixport collateralized loans" ], "claim_classes": [], "jurisdictions": [ "Supported Matrixport jurisdictions" ], "platform_origin": "Singapore / Hong Kong / Global", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000048", "outcome_status": "not_applicable", "estimated_recovery_rate": "No platform-wide customer-loss, claims, or repayment event was identified for Coinchange in the reviewed sources; yield products and infrastructure remain active.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable", "claim_process_url": null, "affected_products": [ "Coinchange Earn Account", "Coinchange business Earn products", "Coinchange API and vault yield infrastructure" ], "claim_classes": [], "jurisdictions": [ "Supported Coinchange jurisdictions" ], "as_of": "2026-08-05", "last_verified_at": "2026-08-05", "notes": "Not-applicable applies because no reviewed recovery process exists. It does not eliminate custody, strategy, protocol, counterparty, liquidity, operational, legal, or regulatory risk.", "confidence": "high", "scope": { "platform_id": "cya_plat_000048", "product_names": [ "Coinchange Earn Account", "Coinchange business Earn products", "Coinchange API and vault yield infrastructure" ], "claim_classes": [], "jurisdictions": [ "Supported Coinchange jurisdictions" ], "platform_origin": "Canada / United States / Poland / Global", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000049", "outcome_status": "claims_ongoing", "estimated_recovery_rate": "Unknown. Ordinary withdrawals have not resumed in the reviewed evidence, and no verified recovery rate is assigned to original account balances, account-linked NFTs, DECENOMY assets, or proposed YieldNodes Pro rights.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Proposed restructuring through account-linked NFTs and a future YieldNodes Pro transition; no completed customer repayment method verified", "claim_process_url": "https://yieldnodes.com/nft/", "affected_products": [ "YieldNodes masternode-rental accounts", "YieldNodes account-linked NFTs", "Proposed YieldNodes Pro balance transition" ], "claim_classes": [ "Original account holders", "NFT claimants", "Non-NFT account holders" ], "jurisdictions": [ "Global customer base" ], "as_of": "2026-08-05", "last_verified_at": "2026-08-05", "notes": "The NFT claim page is a restructuring path, not proof of repayment. Operator statements, investor-group claims, asset-value assertions, and future-platform plans remain separate. No fraud finding, principal recovery, NFT repurchase value, or completion date is inferred.", "confidence": "medium", "scope": { "platform_id": "cya_plat_000049", "product_names": [ "YieldNodes masternode-rental accounts", "YieldNodes account-linked NFTs", "Proposed YieldNodes Pro balance transition" ], "claim_classes": [ "Original account holders", "NFT claimants", "Non-NFT account holders" ], "jurisdictions": [ "Global customer base" ], "platform_origin": "Hong Kong / Malta / Global", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000050", "outcome_status": "unknown", "estimated_recovery_rate": "Not classified. Bake states that remaining crypto balances were converted to USD and are withdrawable through a custodial arrangement, but the reviewed sources do not establish completion for every customer or recoverable value for every illiquid asset.", "repayment_started_at": "2026-04-15", "repayment_completed_at": null, "repayment_method": "Withdrawal of USD balances converted at the 15 April 2026 exchange rate through the platform and designated custodial institution", "claim_process_url": "https://app.bake.io/", "affected_products": [ "Cake DeFi and Bake crypto balances", "Bake Savings", "Bake Lending", "Bake staking and legacy DeFiChain products", "Bake Pro membership balances" ], "claim_classes": [], "jurisdictions": [ "Existing Bake users" ], "as_of": "2026-08-05", "last_verified_at": "2026-08-05", "notes": "The platform describes an orderly USD withdrawal process rather than insolvency or bankruptcy. Unknown is used because platform-wide completion, fees, timing, and treatment of assets lacking a liquid market are not independently confirmed.", "confidence": "high", "scope": { "platform_id": "cya_plat_000050", "product_names": [ "Cake DeFi and Bake crypto balances", "Bake Savings", "Bake Lending", "Bake staking and legacy DeFiChain products", "Bake Pro membership balances" ], "claim_classes": [], "jurisdictions": [ "Existing Bake users" ], "platform_origin": "Singapore / Lithuania / Poland / Global", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000051", "outcome_status": "unknown", "estimated_recovery_rate": "Unknown. The shutdown notice allowed existing borrowers to continue repayment and customers to withdraw after final loan settlement, but the reviewed evidence does not establish completion for every loan, lender balance, or customer withdrawal.", "repayment_started_at": "2016-12-01", "repayment_completed_at": null, "repayment_method": "Existing borrower repayments followed by customer withdrawal during the staged marketplace wind-down", "claim_process_url": null, "affected_products": [ "BitLendingClub peer-to-peer Bitcoin loans", "Loanbase marketplace loans", "Customer Bitcoin account balances" ], "claim_classes": [ "Marketplace lenders", "Borrowers with outstanding loans", "Customers holding withdrawable balances" ], "jurisdictions": [ "Global customer base" ], "as_of": "2026-08-05", "last_verified_at": "2026-08-05", "notes": "The operator's projected timetable and continued repayment access are not treated as proof of full repayment, final withdrawal, or legal dissolution. Security-incident losses and ordinary loan wind-down outcomes remain separate.", "confidence": "medium", "scope": { "platform_id": "cya_plat_000051", "product_names": [ "BitLendingClub peer-to-peer Bitcoin loans", "Loanbase marketplace loans", "Customer Bitcoin account balances" ], "claim_classes": [ "Marketplace lenders", "Borrowers with outstanding loans", "Customers holding withdrawable balances" ], "jurisdictions": [ "Global customer base" ], "platform_origin": "Bulgaria / Global", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000052", "outcome_status": "unknown", "estimated_recovery_rate": "Not classified. Bitbond said it would continue managing the existing SME loan portfolio after stopping new originations, but the reviewed sources do not establish a uniform completion or recovery result for marketplace lenders, borrowers, or BB1 token holders.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Ongoing administration of legacy SME loans and separate BB1 issuer distributions under their respective terms", "claim_process_url": "https://www.bitbond.com/resources/bitbonds-state-of-the-union-2020", "affected_products": [ "Bitbond peer-to-peer SME loans", "Legacy Bitbond lender positions", "BB1 security-token exposure" ], "claim_classes": [ "Marketplace lenders", "SME borrowers", "BB1 token holders" ], "jurisdictions": [ "Germany", "Global marketplace participants" ], "as_of": "2026-08-05", "last_verified_at": "2026-08-05", "notes": "The company's successful continuation as a tokenization provider does not establish settlement of every historical lending or BB1 obligation. Marketplace contracts and security-token rights remain separate.", "confidence": "medium", "scope": { "platform_id": "cya_plat_000052", "product_names": [ "Bitbond peer-to-peer SME loans", "Legacy Bitbond lender positions", "BB1 security-token exposure" ], "claim_classes": [ "Marketplace lenders", "SME borrowers", "BB1 token holders" ], "jurisdictions": [ "Germany", "Global marketplace participants" ], "platform_origin": "Germany / Global", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000053", "outcome_status": "unknown", "estimated_recovery_rate": "Not classified. BitMart instructed users to redeem eligible Earn, Staking, Lending, and other investment products and kept withdrawals available, but product-specific settlement procedures and completion across all customer accounts were not established as of 5 August 2026.", "repayment_started_at": "2026-07-26", "repayment_completed_at": null, "repayment_method": "Product-specific redemption or settlement into BitMart account balances followed by withdrawal requests subject to applicable product, compliance, security, and risk-review procedures", "claim_process_url": "https://bitmart.zendesk.com/hc/en-us/articles/53544595916059-Important-Notice-Regarding-the-Orderly-Cessation-of-BitMart-Operations", "affected_products": [ "BitMart Flexible and Fixed Savings", "BitMart Staking", "BitMart Crypto Loans", "Earn assets and loan collateral held in BitMart accounts" ], "claim_classes": [ "Savings subscribers", "Staking participants", "Crypto Loan borrowers", "Customers with collateral or residual account balances" ], "jurisdictions": [ "Global customer base" ], "as_of": "2026-08-05", "last_verified_at": "2026-08-05", "notes": "The platform remained in an active wind-down. Withdrawal availability and instructions to redeem products are not proof that every fixed-term product matured, every loan or collateral position settled, every compliance review completed, or every customer withdrew. Future August 2026 and January 2027 deadlines are not treated as completed.", "confidence": "high", "scope": { "platform_id": "cya_plat_000053", "product_names": [ "BitMart Flexible and Fixed Savings", "BitMart Staking", "BitMart Crypto Loans", "Earn assets and loan collateral held in BitMart accounts" ], "claim_classes": [ "Savings subscribers", "Staking participants", "Crypto Loan borrowers", "Customers with collateral or residual account balances" ], "jurisdictions": [ "Global customer base" ], "platform_origin": "Marshall Islands / Global", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000054", "outcome_status": "unknown", "estimated_recovery_rate": "Not classified. Kriptomat states that KriptoEarn positions were terminated and assets returned to main wallets, but the reviewed evidence does not establish completion of external withdrawal, Kraken transfer, manual processing, or account closure for every customer.", "repayment_started_at": "2026-05-19", "repayment_completed_at": null, "repayment_method": "Termination of KriptoEarn positions, return of assets to Kriptomat main wallets, then customer-directed transfer to Kraken or direct withdrawal, with manual residual-account processing after the regulated-service deadline", "claim_process_url": "https://kriptomat.io/wind-down/", "affected_products": [ "KriptoEarn staking positions", "Kriptomat main-wallet balances returned from KriptoEarn", "Residual customer balances after 30 June 2026" ], "claim_classes": [ "KriptoEarn participants", "Customers transferring to Kraken", "Customers requesting direct or manual withdrawal" ], "jurisdictions": [ "European Union and supported Kriptomat markets" ], "as_of": "2026-08-05", "last_verified_at": "2026-08-05", "notes": "Internal-wallet return is not equated with completed external recovery. Residual accounts remained subject to read-only access, manual processing, compliance review, operational limitations, and possible fees.", "confidence": "high", "scope": { "platform_id": "cya_plat_000054", "product_names": [ "KriptoEarn staking positions", "Kriptomat main-wallet balances returned from KriptoEarn", "Residual customer balances after 30 June 2026" ], "claim_classes": [ "KriptoEarn participants", "Customers transferring to Kraken", "Customers requesting direct or manual withdrawal" ], "jurisdictions": [ "European Union and supported Kriptomat markets" ], "platform_origin": "Estonia / European Union", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000055", "outcome_status": "full_repayment", "estimated_recovery_rate": "100% of customer funds, based on ASIC's statement that all Finder Earn funds were returned in full to customers after the product ceased.", "repayment_started_at": null, "repayment_completed_at": "2022-11-24", "repayment_method": "Return of Australian-dollar customer balances after exit from Finder Earn and product cessation", "claim_process_url": null, "affected_products": [ "Finder Earn" ], "claim_classes": [ "Finder Earn customers" ], "jurisdictions": [ "Australia" ], "as_of": "2026-08-05", "last_verified_at": "2026-08-05", "notes": "ASIC states that all funds were returned in full. This customer outcome is distinct from the later regulatory litigation, which the courts dismissed. No insolvency, creditor haircut, delayed claim process or continuing customer recovery is inferred.", "confidence": "high", "scope": { "platform_id": "cya_plat_000055", "product_names": [ "Finder Earn" ], "claim_classes": [ "Finder Earn customers" ], "jurisdictions": [ "Australia" ], "platform_origin": "Australia", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000056", "outcome_status": "unknown", "estimated_recovery_rate": "Not classified. The Singapore winding-up judgment records missing customer records, uncertain contracting entities, unavailable assets and the need for multi-jurisdictional investigations, but the reviewed evidence does not establish a uniform distribution, recovery percentage or completed customer outcome.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Court-appointed liquidation and asset and creditor investigation for relevant AAX entities; no verified group-wide customer distribution method", "claim_process_url": null, "affected_products": [ "AAX Flexible Savings", "AAX Fixed Savings", "AAB Plus", "AAX exchange and wallet balances associated with unresolved contracting entities" ], "claim_classes": [ "Savings subscribers", "Exchange and wallet customers", "Unsecured creditors of AAX Asia or AAX Singapore", "Customers whose contracting entity could not be determined from available records" ], "jurisdictions": [ "Singapore", "Hong Kong", "Malta", "Seychelles", "Cayman Islands", "Other customer jurisdictions" ], "as_of": "2026-08-16", "last_verified_at": "2026-08-16", "notes": "Stage 2 review adds the Cayman compulsory-liquidation step for Atom Holdings and independent insolvency-practitioner confirmation of the Singapore liquidator appointments. The reviewed authoritative materials establish liquidation and creditor/asset investigation but do not establish a uniform completed customer distribution, final recovery percentage or group-wide claim result. `unknown` is therefore retained fail-close. Absence of a public final distribution located in this review is not treated as evidence that no distribution occurred. No claim is made that every savings customer contracted with a Singapore entity or that every AAX group entity entered the same proceeding.", "confidence": "high", "scope": { "platform_id": "cya_plat_000056", "product_names": [ "AAX Flexible Savings", "AAX Fixed Savings", "AAB Plus", "AAX exchange and wallet balances associated with unresolved contracting entities" ], "claim_classes": [ "Savings subscribers", "Exchange and wallet customers", "Unsecured creditors of AAX Asia or AAX Singapore", "Customers whose contracting entity could not be determined from available records" ], "jurisdictions": [ "Singapore", "Hong Kong", "Malta", "Seychelles", "Cayman Islands", "Other customer jurisdictions" ], "platform_origin": "Hong Kong / Singapore / Malta / Seychelles / Cayman Islands / Global", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000057", "outcome_status": "unknown", "estimated_recovery_rate": "Not classified. Reviewed sources establish the August 2022 suspension of BlueBenx Finance withdrawals and later CVM enforcement, but they do not establish a uniform customer repayment, recovery percentage or completed claim process.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "No verified universal repayment or claim process identified in the reviewed authoritative sources", "claim_process_url": null, "affected_products": [ "CriptoSavings", "BlueBenx DeFi 90-day investment", "BlueBenx DeFi 180-day investment", "BlueBenx DeFi 360-day investment", "Other BlueBenx Finance products affected by the operational suspension" ], "claim_classes": [ "BlueBenx Finance customers", "Investors in BlueBenx crypto-linked investment contracts" ], "jurisdictions": [ "Brazil" ], "as_of": "2026-08-16", "last_verified_at": "2026-08-16", "notes": "Stage 2 re-review checked the primary CVM record through the final 2025 administrative sanctions and additional CVM settlement-process material. Those records establish regulatory findings and sanctions but do not establish insolvency or liquidation, a creditor claim process, a completed customer distribution, or a uniform recovery percentage. A 2024 CVM settlement-proposal review noted the absence of a proposal to return alleged benefits or compensate alleged diffuse market damages, but that is not evidence that individual customers received no recovery. `unknown` is therefore retained fail-close. The platform's claimed 2022 hack is not used to calculate losses or recovery, and absence of a public repayment record located in this review is not treated as proof of no recovery.", "confidence": "high", "scope": { "platform_id": "cya_plat_000057", "product_names": [ "CriptoSavings", "BlueBenx DeFi 90-day investment", "BlueBenx DeFi 180-day investment", "BlueBenx DeFi 360-day investment", "Other BlueBenx Finance products affected by the operational suspension" ], "claim_classes": [ "BlueBenx Finance customers", "Investors in BlueBenx crypto-linked investment contracts" ], "jurisdictions": [ "Brazil" ], "platform_origin": "Brazil", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000058", "outcome_status": "partial_repayment", "estimated_recovery_rate": "No uniform recovery percentage established. A secondary archival/index reproduction of Hotbit's dated notices records multiple compensation rounds for DF asset users, but does not establish the amount actually received by every eligible holder or recovery for all other Hotbit balances.", "repayment_started_at": "2023-08-31", "repayment_completed_at": null, "repayment_method": "Class-scoped DF asset compensation announced in USDC/HTB after shutdown, separate from earlier product-level internal redemptions and the general withdrawal window", "claim_process_url": null, "affected_products": [ "Hotbit DeFi Farm and DF asset balances", "Hotbit staking investment products", "Other Hotbit Investment Center balances outstanding around the CEX shutdown" ], "claim_classes": [ "Hotbit DF asset holders", "Other Hotbit investment-product users whose recovery is not established by the DF compensation notices", "Hotbit customers with remaining platform balances at shutdown" ], "jurisdictions": [ "Global" ], "as_of": "2026-08-28", "last_verified_at": "2026-08-28", "notes": "First-party product notices establish internal redemptions before shutdown, but internal account redemption is not equivalent to external repayment. The 21 June 2023 withdrawal deadline likewise does not prove universal withdrawal. A secondary archival/index reproduction preserves later dated Hotbit notices stating that another DF-user compensation round would be conducted on 31 August 2023 and a final DF-account compensation round on 18 September. This supports `partial_repayment` for the DF-asset claimant class only. CYA does not infer full repayment, a universal recovery rate, completion for every DF holder, or resolution of other Hotbit investment/exchange balances.", "confidence": "medium", "scope": { "platform_id": "cya_plat_000058", "product_names": [ "Hotbit DeFi Farm and DF asset balances", "Hotbit staking investment products", "Other Hotbit Investment Center balances outstanding around the CEX shutdown" ], "claim_classes": [ "Hotbit DF asset holders", "Other Hotbit investment-product users whose recovery is not established by the DF compensation notices", "Hotbit customers with remaining platform balances at shutdown" ], "jurisdictions": [ "Global" ], "platform_origin": "Global", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000059", "outcome_status": "claims_ongoing", "estimated_recovery_rate": "Not classified at the FTX Earn product level. Bankruptcy-plan distributions have commenced for eligible allowed claims, but published percentages are defined by claim class and eligibility rather than by participation in the historical Earn program.", "repayment_started_at": "2025-02-18", "repayment_completed_at": null, "repayment_method": "Bankruptcy-plan cash distributions to eligible holders of allowed claims through approved distribution service providers, subject to claim reconciliation and pre-distribution requirements", "claim_process_url": "https://support.ftx.com/hc/en-us/sections/33189504164628-Distributions", "affected_products": [ "FTX App Earn", "FTX Earn program balances reflected in customer account histories" ], "claim_classes": [ "Allowed customer entitlement claims", "Allowed convenience claims where applicable", "Other allowed FTX customer claims according to the relevant debtor entity and Plan class" ], "jurisdictions": [ "FTX.com and supported FTX debtor jurisdictions", "United States where applicable", "Other eligible jurisdictions under the confirmed Plan" ], "as_of": "2026-08-16", "last_verified_at": "2026-08-16", "notes": "Stage 2 review confirms that FTX support continues to include Earn-program amounts in petition-date account histories and to treat pending withdrawals through bankruptcy claims where applicable. CYA does not treat published Dotcom, U.S., Convenience or other claim-class distribution percentages as a product-specific FTX Earn recovery rate. Some claims remain disputed or ineligible for distribution pending reconciliation, and affiliate/entity differences remain explicit.", "confidence": "high", "scope": { "platform_id": "cya_plat_000059", "product_names": [ "FTX App Earn", "FTX Earn program balances reflected in customer account histories" ], "claim_classes": [ "Allowed customer entitlement claims", "Allowed convenience claims where applicable", "Other allowed FTX customer claims according to the relevant debtor entity and Plan class" ], "jurisdictions": [ "FTX.com and supported FTX debtor jurisdictions", "United States where applicable", "Other eligible jurisdictions under the confirmed Plan" ], "platform_origin": "Bahamas / United States / Global", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000060", "outcome_status": "claims_ongoing", "estimated_recovery_rate": "Not classified. Liquid directs customers into the FTX Chapter 11 claims process, but the reviewed sources do not establish a uniform recovery percentage for Liquid Earn balances or a single legal treatment for every Liquid, Quoine or Celsius-linked customer exposure.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Customer claims through the FTX restructuring process according to the relevant Liquid and FTX affiliate relationship; product-specific payment completion is not established", "claim_process_url": "https://help.liquid.com/en/articles/8018547-chapter-11-should-i-make-a-claim", "affected_products": [ "Liquid Earn", "Liquid balances associated with the Celsius yield integration", "Liquid Global customer balances affected by the post-FTX withdrawal suspension" ], "claim_classes": [ "Liquid Global customers directed to the FTX Chapter 11 process", "Customers with suspended fiat or crypto balances", "Liquid Earn users whose claim treatment depends on the relevant entity and account structure" ], "jurisdictions": [ "Japan", "Singapore", "Global Liquid customer base" ], "as_of": "2026-08-09", "last_verified_at": "2026-08-09", "notes": "Liquid's help center confirms an available claim path and continued suspension of services. CYA does not infer that every Liquid Earn balance became a direct Celsius claim, that Liquid itself was independently insolvent, or that all users have received a distribution.", "confidence": "high", "scope": { "platform_id": "cya_plat_000060", "product_names": [ "Liquid Earn", "Liquid balances associated with the Celsius yield integration", "Liquid Global customer balances affected by the post-FTX withdrawal suspension" ], "claim_classes": [ "Liquid Global customers directed to the FTX Chapter 11 process", "Customers with suspended fiat or crypto balances", "Liquid Earn users whose claim treatment depends on the relevant entity and account structure" ], "jurisdictions": [ "Japan", "Singapore", "Global Liquid customer base" ], "platform_origin": "Japan / Singapore / Global", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000061", "outcome_status": "full_repayment", "estimated_recovery_rate": "Product-level full return according to Swyftx's current support documentation: assets held in Earn wallets were returned to users' Swyftx trade wallets together with earned interest. CYA does not treat this internal account transfer as proof that every user subsequently completed an external withdrawal.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Internal transfer of assets from the discontinued Swyftx Earn wallet to the user's Swyftx trade wallet together with earned interest", "claim_process_url": null, "affected_products": [ "Swyftx Earn", "Swyftx Staking" ], "claim_classes": [], "jurisdictions": [ "Australia" ], "as_of": "2026-08-09", "last_verified_at": "2026-08-09", "notes": "The first-party statement supports full product-balance return into Swyftx trade wallets. The reviewed sources do not provide an exact completion date for every transfer, do not establish universal external withdrawal completion, and do not imply any recovery result for unrelated Swyftx products.", "confidence": "high", "scope": { "platform_id": "cya_plat_000061", "product_names": [ "Swyftx Earn", "Swyftx Staking" ], "claim_classes": [], "jurisdictions": [ "Australia" ], "platform_origin": "Australia", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000062", "outcome_status": "not_applicable", "estimated_recovery_rate": "No platform-wide customer-loss, claims, or repayment process was identified for KuCoin Earn in the reviewed sources; KuCoin Earn remains active.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable", "claim_process_url": null, "affected_products": [ "KuCoin Earn", "KuCoin Simple Earn", "KuCoin staking and related Earn products" ], "claim_classes": [], "jurisdictions": [ "Supported KuCoin jurisdictions" ], "as_of": "2026-08-09", "last_verified_at": "2026-08-09", "notes": "Not-applicable reflects the absence of a reviewed failure or recovery process. It is not a guarantee of principal, liquidity, custody, yield, solvency, availability, regulatory protection or redemption at a particular time.", "confidence": "high", "scope": { "platform_id": "cya_plat_000062", "product_names": [ "KuCoin Earn", "KuCoin Simple Earn", "KuCoin staking and related Earn products" ], "claim_classes": [], "jurisdictions": [ "Supported KuCoin jurisdictions" ], "platform_origin": "Global", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000063", "outcome_status": "not_applicable", "estimated_recovery_rate": "No platform-wide customer-loss, claims, or repayment process was identified for OKX Simple Earn in the reviewed sources; Simple Earn remains active.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable", "claim_process_url": null, "affected_products": [ "OKX Simple Earn Flexible", "OKX Simple Earn Fixed" ], "claim_classes": [], "jurisdictions": [ "Supported OKX jurisdictions" ], "as_of": "2026-08-09", "last_verified_at": "2026-08-09", "notes": "Not-applicable reflects the absence of a reviewed failure or recovery process. OKX's own terms state Simple Earn is not principal-protected, so this classification must not be read as a guarantee against principal loss, liquidity restrictions, borrower risk or platform risk.", "confidence": "high", "scope": { "platform_id": "cya_plat_000063", "product_names": [ "OKX Simple Earn Flexible", "OKX Simple Earn Fixed" ], "claim_classes": [], "jurisdictions": [ "Supported OKX jurisdictions" ], "platform_origin": "Global / jurisdiction-dependent", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000064", "outcome_status": "not_applicable", "estimated_recovery_rate": "No platform-wide customer-loss, claims, or repayment process was identified for Gate Simple Earn in the reviewed sources; the product remains active.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable", "claim_process_url": null, "affected_products": [ "Gate Simple Earn Flexible Term", "Gate Simple Earn Fixed Term" ], "claim_classes": [], "jurisdictions": [ "Supported Gate jurisdictions" ], "as_of": "2026-08-09", "last_verified_at": "2026-08-09", "notes": "Not-applicable reflects the absence of a reviewed failure or recovery process. It is not a guarantee of principal, liquidity, platform solvency, borrower performance, legal ownership, redemption timing or future product availability.", "confidence": "high", "scope": { "platform_id": "cya_plat_000064", "product_names": [ "Gate Simple Earn Flexible Term", "Gate Simple Earn Fixed Term" ], "claim_classes": [], "jurisdictions": [ "Supported Gate jurisdictions" ], "platform_origin": "Global / jurisdiction-dependent", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000065", "outcome_status": "not_applicable", "estimated_recovery_rate": "No platform-wide customer-loss, claims, or repayment process was identified for Bybit Easy Earn in the reviewed sources; the product remains active.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable", "claim_process_url": null, "affected_products": [ "Bybit Flexible Easy Earn", "Bybit Fixed Easy Earn" ], "claim_classes": [], "jurisdictions": [ "Supported Bybit jurisdictions" ], "as_of": "2026-08-09", "last_verified_at": "2026-08-09", "notes": "Not-applicable reflects the absence of a reviewed failure or recovery process. Bybit's current principal-protection wording for certain Easy Earn products remains an attributed product claim and is not a CYA guarantee against platform, liquidity, legal, custody or counterparty loss.", "confidence": "high", "scope": { "platform_id": "cya_plat_000065", "product_names": [ "Bybit Flexible Easy Earn", "Bybit Fixed Easy Earn" ], "claim_classes": [], "jurisdictions": [ "Supported Bybit jurisdictions" ], "platform_origin": "Global / jurisdiction-dependent", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000066", "outcome_status": "not_applicable", "estimated_recovery_rate": "No platform-wide customer-loss, claims, or repayment process was identified for Binance Simple Earn in the reviewed sources; the product remains active.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable", "claim_process_url": null, "affected_products": [ "Binance Simple Earn Flexible", "Binance Simple Earn Locked" ], "claim_classes": [], "jurisdictions": [ "Supported Binance jurisdictions" ], "as_of": "2026-08-09", "last_verified_at": "2026-08-09", "notes": "Not-applicable is not a safety or principal guarantee. Jurisdiction-specific Binance disclosures describe lending, segregation and bankruptcy risks.", "confidence": "high", "scope": { "platform_id": "cya_plat_000066", "product_names": [ "Binance Simple Earn Flexible", "Binance Simple Earn Locked" ], "claim_classes": [], "jurisdictions": [ "Supported Binance jurisdictions" ], "platform_origin": "Global / jurisdiction-dependent", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000067", "outcome_status": "not_applicable", "estimated_recovery_rate": "No platform-wide customer-loss, claims, or repayment process was identified for Bitget Simple Earn in the reviewed sources; the product remains active.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable", "claim_process_url": null, "affected_products": [ "Bitget Simple Earn Flexible", "Bitget Simple Earn Fixed" ], "claim_classes": [], "jurisdictions": [ "Supported Bitget jurisdictions" ], "as_of": "2026-08-09", "last_verified_at": "2026-08-09", "notes": "Not-applicable is not a guarantee. Current Bitget terms explicitly state that principal and displayed rewards are not guaranteed and describe platform, third-party and protocol risks.", "confidence": "high", "scope": { "platform_id": "cya_plat_000067", "product_names": [ "Bitget Simple Earn Flexible", "Bitget Simple Earn Fixed" ], "claim_classes": [], "jurisdictions": [ "Supported Bitget jurisdictions" ], "platform_origin": "Global / jurisdiction-dependent", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000068", "outcome_status": "not_applicable", "estimated_recovery_rate": "No platform-wide customer-loss, claims, or repayment process was identified for Phemex Savings in the reviewed sources; the product remains active.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable", "claim_process_url": null, "affected_products": [ "Phemex Flexible Savings", "Phemex Fixed Savings" ], "claim_classes": [], "jurisdictions": [ "Supported Phemex jurisdictions" ], "as_of": "2026-08-09", "last_verified_at": "2026-08-09", "notes": "Not-applicable is not a safety or principal guarantee. Current Phemex Earn terms explicitly describe non-segregation, commingling, operating-use and exceptional loss/return risks.", "confidence": "high", "scope": { "platform_id": "cya_plat_000068", "product_names": [ "Phemex Flexible Savings", "Phemex Fixed Savings" ], "claim_classes": [], "jurisdictions": [ "Supported Phemex jurisdictions" ], "platform_origin": "Global / jurisdiction-dependent", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000069", "outcome_status": "not_applicable", "estimated_recovery_rate": "No platform-wide customer-loss, claims, or repayment process was identified for WhiteBIT Crypto Lending in the reviewed sources; the product remains active.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable", "claim_process_url": null, "affected_products": [ "WhiteBIT Crypto Lending Fixed Plans", "WhiteBIT Crypto Lending Flexible Plans" ], "claim_classes": [], "jurisdictions": [ "Supported WhiteBIT jurisdictions" ], "as_of": "2026-08-09", "last_verified_at": "2026-08-09", "notes": "Not-applicable is not a guarantee. Current WhiteBIT terms define the product as lending digital assets to WhiteBIT and describe market, rate, service-availability and other risks.", "confidence": "high", "scope": { "platform_id": "cya_plat_000069", "product_names": [ "WhiteBIT Crypto Lending Fixed Plans", "WhiteBIT Crypto Lending Flexible Plans" ], "claim_classes": [], "jurisdictions": [ "Supported WhiteBIT jurisdictions" ], "platform_origin": "Europe / Global", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000070", "outcome_status": "not_applicable", "estimated_recovery_rate": "No platform-wide customer-loss, claims, or repayment process was identified for HTX Simple Earn in the reviewed sources; the reviewed flexible/fixed product line remains active.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable", "claim_process_url": null, "affected_products": [ "HTX Earn Flexible", "HTX Earn Fixed" ], "claim_classes": [], "jurisdictions": [ "Supported HTX jurisdictions" ], "as_of": "2026-08-09", "last_verified_at": "2026-08-09", "notes": "Not-applicable is not a safety or principal guarantee. HTX's Simple Earn Agreement contains broad investment-risk disclosures and flexible-product returns are market-dependent.", "confidence": "high", "scope": { "platform_id": "cya_plat_000070", "product_names": [ "HTX Earn Flexible", "HTX Earn Fixed" ], "claim_classes": [], "jurisdictions": [ "Supported HTX jurisdictions" ], "platform_origin": "Global / jurisdiction-dependent", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000071", "outcome_status": "not_applicable", "estimated_recovery_rate": "No platform-wide customer-loss, claims, or repayment process was identified for CoinEx Flexible Savings in the reviewed sources; the product remains active.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable", "claim_process_url": null, "affected_products": [ "CoinEx Flexible Savings", "CoinEx Financial Account predecessor" ], "claim_classes": [], "jurisdictions": [ "Supported CoinEx jurisdictions" ], "as_of": "2026-08-09", "last_verified_at": "2026-08-09", "notes": "Not-applicable is not a guarantee. First-party materials describe variable borrowing-linked yields and potential redemption delay when idle savings liquidity is insufficient.", "confidence": "high", "scope": { "platform_id": "cya_plat_000071", "product_names": [ "CoinEx Flexible Savings", "CoinEx Financial Account predecessor" ], "claim_classes": [], "jurisdictions": [ "Supported CoinEx jurisdictions" ], "platform_origin": "Global / jurisdiction-dependent", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000072", "outcome_status": "not_applicable", "estimated_recovery_rate": "No platform-wide customer-loss, claims or repayment process was identified for BingX Earn in the reviewed sources; the flexible/fixed product family remains active.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable", "claim_process_url": null, "affected_products": [ "BingX Earn", "BingX Wealth predecessor" ], "claim_classes": [], "jurisdictions": [ "Supported BingX jurisdictions" ], "as_of": "2026-08-09", "last_verified_at": "2026-08-09", "notes": "Not-applicable is not a guarantee. Current BingX pages combine principal-protection marketing with broad risk warnings; Wealth-as-margin users can lose margin through liquidation.", "confidence": "high", "scope": { "platform_id": "cya_plat_000072", "product_names": [ "BingX Earn", "BingX Wealth predecessor" ], "claim_classes": [], "jurisdictions": [ "Supported BingX jurisdictions" ], "platform_origin": "Global / jurisdiction-dependent", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000073", "outcome_status": "not_applicable", "estimated_recovery_rate": "No platform-wide customer-loss, claims or repayment process was identified for MEXC Savings in the reviewed sources; Flexible and Fixed Savings remain active.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable", "claim_process_url": null, "affected_products": [ "MEXC Flexible Savings", "MEXC Fixed Savings" ], "claim_classes": [], "jurisdictions": [ "Supported MEXC jurisdictions" ], "as_of": "2026-08-09", "last_verified_at": "2026-08-09", "notes": "Not-applicable is not a safety guarantee. The current Earn agreement explicitly states that the service is not principal-protected and that users risk partial or total principal loss.", "confidence": "high", "scope": { "platform_id": "cya_plat_000073", "product_names": [ "MEXC Flexible Savings", "MEXC Fixed Savings" ], "claim_classes": [], "jurisdictions": [ "Supported MEXC jurisdictions" ], "platform_origin": "Global / jurisdiction-dependent", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000074", "outcome_status": "not_applicable", "estimated_recovery_rate": "No platform-wide Margin Funding customer-loss, claims or repayment process was identified in the reviewed sources; Bitfinex Margin Funding remains active.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable", "claim_process_url": null, "affected_products": [ "Bitfinex Margin Funding", "Bitfinex Lending Pro" ], "claim_classes": [], "jurisdictions": [ "Supported Bitfinex jurisdictions" ], "as_of": "2026-08-09", "last_verified_at": "2026-08-09", "notes": "Not-applicable is not a risk-free classification. Bitfinex explicitly states that Margin Funding is not risk-free and that extreme market conditions could result in losses being shared with funding providers.", "confidence": "high", "scope": { "platform_id": "cya_plat_000074", "product_names": [ "Bitfinex Margin Funding", "Bitfinex Lending Pro" ], "claim_classes": [], "jurisdictions": [ "Supported Bitfinex jurisdictions" ], "platform_origin": "Global / jurisdiction-dependent", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000075", "outcome_status": "not_applicable", "estimated_recovery_rate": "No platform-wide Poloniex Earn customer-loss, claims or repayment process was identified in the reviewed sources; Poloniex Earn remains active.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable", "claim_process_url": null, "affected_products": [ "Poloniex Earn", "Polo Earn" ], "claim_classes": [], "jurisdictions": [ "Supported Poloniex jurisdictions" ], "as_of": "2026-08-09", "last_verified_at": "2026-08-09", "notes": "Not-applicable is not a guarantee. Poloniex describes Earn products as principal-protected but separately warns that cryptocurrency investment carries high market risk and users may incur losses.", "confidence": "high", "scope": { "platform_id": "cya_plat_000075", "product_names": [ "Poloniex Earn", "Polo Earn" ], "claim_classes": [], "jurisdictions": [ "Supported Poloniex jurisdictions" ], "platform_origin": "Global / jurisdiction-dependent", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000076", "outcome_status": "not_applicable", "estimated_recovery_rate": "No platform-wide Flipster Earn customer-loss, claims or repayment process was identified in the reviewed sources; current Premium Earn remains active.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable", "claim_process_url": null, "affected_products": [ "Flipster Earn", "Flipster Premium Earn" ], "claim_classes": [], "jurisdictions": [ "Supported Flipster jurisdictions" ], "as_of": "2026-08-09", "last_verified_at": "2026-08-09", "notes": "Not-applicable is not a safety guarantee. Current Premium Earn terms permit redemption restrictions in specified circumstances and allow allocated USDT to remain usable as derivatives margin.", "confidence": "high", "scope": { "platform_id": "cya_plat_000076", "product_names": [ "Flipster Earn", "Flipster Premium Earn" ], "claim_classes": [], "jurisdictions": [ "Supported Flipster jurisdictions" ], "platform_origin": "Global / jurisdiction-dependent", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000077", "outcome_status": "not_applicable", "estimated_recovery_rate": "No platform-wide Bitrue Power Piggy customer-loss, claims or repayment process was identified in the reviewed sources; Power Piggy remains active.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable", "claim_process_url": null, "affected_products": [ "Bitrue Power Piggy" ], "claim_classes": [], "jurisdictions": [ "Supported Bitrue jurisdictions" ], "as_of": "2026-08-09", "last_verified_at": "2026-08-09", "notes": "Not-applicable is not a guarantee. Flexible and lockup products, rates, caps, supported assets and BTR-linked reward mechanics vary, and cryptocurrency market-risk warnings remain applicable.", "confidence": "high", "scope": { "platform_id": "cya_plat_000077", "product_names": [ "Bitrue Power Piggy" ], "claim_classes": [], "jurisdictions": [ "Supported Bitrue jurisdictions" ], "platform_origin": "Global / jurisdiction-dependent", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000078", "outcome_status": "not_applicable", "estimated_recovery_rate": "No platform-wide BloFin Earn customer-loss, claims or repayment process was identified in the reviewed sources; BloFin Earn remains active.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable", "claim_process_url": null, "affected_products": [ "BloFin Earn", "BloFin Simple Earn" ], "claim_classes": [], "jurisdictions": [ "Supported BloFin jurisdictions" ], "as_of": "2026-08-09", "last_verified_at": "2026-08-09", "notes": "Not-applicable is not a guarantee. The governing Earn Service Agreement explicitly says BloFin does not guarantee repayment of principal or displayed interest and describes severe or total digital-asset loss risks.", "confidence": "high", "scope": { "platform_id": "cya_plat_000078", "product_names": [ "BloFin Earn", "BloFin Simple Earn" ], "claim_classes": [], "jurisdictions": [ "Supported BloFin jurisdictions" ], "platform_origin": "Global / jurisdiction-dependent", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000079", "outcome_status": "not_applicable", "estimated_recovery_rate": "No platform-wide LBank Earn customer-loss, claims or repayment process was identified in the reviewed sources; LBank Earn remains active.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable", "claim_process_url": null, "affected_products": [ "LBank Earn", "LBank Spot Earn", "LBank Locked Earn" ], "claim_classes": [], "jurisdictions": [ "Supported LBank jurisdictions" ], "as_of": "2026-08-09", "last_verified_at": "2026-08-09", "notes": "Not-applicable is not a guarantee. The current Earn Service Agreement explicitly states there is no principal protection and users may face partial or total principal loss.", "confidence": "high", "scope": { "platform_id": "cya_plat_000079", "product_names": [ "LBank Earn", "LBank Spot Earn", "LBank Locked Earn" ], "claim_classes": [], "jurisdictions": [ "Supported LBank jurisdictions" ], "platform_origin": "Global / jurisdiction-dependent", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000080", "outcome_status": "not_applicable", "estimated_recovery_rate": "No platform-wide Toobit Earn customer-loss, claims or repayment process was identified in the reviewed sources; Toobit Earn remains active.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable", "claim_process_url": null, "affected_products": [ "Toobit Earn", "Toobit Flexible Earn", "Toobit Fixed Earn" ], "claim_classes": [], "jurisdictions": [ "Supported Toobit jurisdictions" ], "as_of": "2026-08-09", "last_verified_at": "2026-08-09", "notes": "Not-applicable is not a guarantee. Flexible APR varies, fixed products can restrict early redemption, and current first-party announcements carry digital-asset loss risk warnings.", "confidence": "high", "scope": { "platform_id": "cya_plat_000080", "product_names": [ "Toobit Earn", "Toobit Flexible Earn", "Toobit Fixed Earn" ], "claim_classes": [], "jurisdictions": [ "Supported Toobit jurisdictions" ], "platform_origin": "Global / jurisdiction-dependent", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000081", "outcome_status": "not_applicable", "estimated_recovery_rate": "No platform-wide Bitunix Easy Earn customer-loss, claims or repayment process was identified in the reviewed sources; Easy Earn remains active.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable", "claim_process_url": null, "affected_products": [ "Bitunix Easy Earn", "Bitunix Flexible Savings", "Bitunix Fixed-Term Savings" ], "claim_classes": [], "jurisdictions": [ "Supported Bitunix jurisdictions" ], "as_of": "2026-08-09", "last_verified_at": "2026-08-09", "notes": "Not-applicable is not a guarantee. The Easy Earn agreement disclaims liability for specified loss events, and the 15% risk reserve is an interest-distribution mechanism rather than a universal principal guarantee.", "confidence": "high", "scope": { "platform_id": "cya_plat_000081", "product_names": [ "Bitunix Easy Earn", "Bitunix Flexible Savings", "Bitunix Fixed-Term Savings" ], "claim_classes": [], "jurisdictions": [ "Supported Bitunix jurisdictions" ], "platform_origin": "Global / jurisdiction-dependent", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000082", "outcome_status": "not_applicable", "estimated_recovery_rate": "No platform-wide AscendEX Earn customer-loss, claims or repayment process was identified in the reviewed sources; AscendEX Earn remains active.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable", "claim_process_url": null, "affected_products": [ "AscendEX Earn", "AscendEX Staking", "AscendEX Fixed Earn" ], "claim_classes": [], "jurisdictions": [ "Supported AscendEX jurisdictions" ], "as_of": "2026-08-10", "last_verified_at": "2026-08-10", "notes": "Not-applicable is not a guarantee. AscendEX's risk disclosure warns of digital-asset loss, and product-specific staking and farming mechanics carry validator, smart-contract, liquidity and centralized-platform risks.", "confidence": "high", "scope": { "platform_id": "cya_plat_000082", "product_names": [ "AscendEX Earn", "AscendEX Staking", "AscendEX Fixed Earn" ], "claim_classes": [], "jurisdictions": [ "Supported AscendEX jurisdictions" ], "platform_origin": "Global / jurisdiction-dependent", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000083", "outcome_status": "not_applicable", "estimated_recovery_rate": "No platform-wide Bitpanda Earn customer-loss, claims or repayment process was identified in the reviewed sources; the reviewed Earn products remain active.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable", "claim_process_url": null, "affected_products": [ "Bitpanda Earn", "Bitpanda Staking", "Bitpanda Earn on Stablecoins" ], "claim_classes": [], "jurisdictions": [ "Supported Bitpanda jurisdictions" ], "as_of": "2026-08-10", "last_verified_at": "2026-08-10", "notes": "Not-applicable is not a guarantee of principal or solvency. Bitpanda explicitly discloses counterparty, insolvency, default and de-pegging risk for Earn on Stablecoins and states that the product is not covered by deposit protection.", "confidence": "high", "scope": { "platform_id": "cya_plat_000083", "product_names": [ "Bitpanda Earn", "Bitpanda Staking", "Bitpanda Earn on Stablecoins" ], "claim_classes": [], "jurisdictions": [ "Supported Bitpanda jurisdictions" ], "platform_origin": "Austria / Europe / jurisdiction-dependent", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000084", "outcome_status": "not_applicable", "estimated_recovery_rate": "No platform-wide CEX.IO Earn customer-loss, claims or repayment process was identified in the reviewed sources; current Staking and Savings surfaces remain available subject to jurisdictional restrictions.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable", "claim_process_url": null, "affected_products": [ "CEX.IO Earn", "CEX.IO Staking", "CEX.IO Savings" ], "claim_classes": [], "jurisdictions": [ "Supported CEX.IO jurisdictions" ], "as_of": "2026-08-10", "last_verified_at": "2026-08-10", "notes": "The 2025 suspension of Automated Crypto Staking is a product transition rather than a platform-wide claims event. Not-applicable does not imply principal protection or insured status.", "confidence": "high", "scope": { "platform_id": "cya_plat_000084", "product_names": [ "CEX.IO Earn", "CEX.IO Staking", "CEX.IO Savings" ], "claim_classes": [], "jurisdictions": [ "Supported CEX.IO jurisdictions" ], "platform_origin": "Global / jurisdiction-dependent", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000085", "outcome_status": "not_applicable", "estimated_recovery_rate": "No platform-wide Bitvavo Earn customer-loss, claims or repayment process was identified in the reviewed sources; current Staking and Lending services remain active.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable", "claim_process_url": null, "affected_products": [ "Bitvavo Earn", "Bitvavo Flex Staking", "Bitvavo Fixed Staking", "Bitvavo Lending" ], "claim_classes": [], "jurisdictions": [ "Supported Bitvavo jurisdictions" ], "as_of": "2026-08-10", "last_verified_at": "2026-08-10", "notes": "Not-applicable is not a principal or solvency guarantee. Bitvavo states that Staking and Lending are currently outside MiCA regulation and that applicable safeguards may differ from regulated crypto services.", "confidence": "high", "scope": { "platform_id": "cya_plat_000085", "product_names": [ "Bitvavo Earn", "Bitvavo Flex Staking", "Bitvavo Fixed Staking", "Bitvavo Lending" ], "claim_classes": [], "jurisdictions": [ "Supported Bitvavo jurisdictions" ], "platform_origin": "Netherlands / Europe / jurisdiction-dependent", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000086", "outcome_status": "not_applicable", "estimated_recovery_rate": "No platform-wide Coinmetro BTC Earn customer-loss, claims or repayment process was identified in the reviewed sources; BTC Earn was presented as active at review time.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable", "claim_process_url": null, "affected_products": [ "Coinmetro BTC Earn" ], "claim_classes": [], "jurisdictions": [ "Supported Coinmetro jurisdictions" ], "as_of": "2026-08-10", "last_verified_at": "2026-08-10", "notes": "The first-party promise to return committed BTC at term end is not treated as proof of principal protection, segregation, insurance or solvency. Not-applicable reflects the absence of a reviewed platform-wide claims process, not a guarantee. No exact BTC Earn launch date is asserted because official copies of the same product article expose conflicting publication-date metadata.", "confidence": "high", "scope": { "platform_id": "cya_plat_000086", "product_names": [ "Coinmetro BTC Earn" ], "claim_classes": [], "jurisdictions": [ "Supported Coinmetro jurisdictions" ], "platform_origin": "Estonia / Global / jurisdiction-dependent", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000087", "outcome_status": "not_applicable", "estimated_recovery_rate": "No platform-wide Uphold Staking customer-loss, claims or repayment process was identified in the reviewed sources; the staking service remains active in supported jurisdictions.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable", "claim_process_url": null, "affected_products": [ "Uphold Staking", "Uphold Flexible Staking", "Uphold Boosted Staking" ], "claim_classes": [], "jurisdictions": [ "Supported Uphold staking jurisdictions" ], "as_of": "2026-08-10", "last_verified_at": "2026-08-10", "notes": "Not-applicable is not a principal, custody or solvency guarantee. Current terms retain user ownership language but staking remains exposed to network, slashing, unbonding, custodial and jurisdictional risks.", "confidence": "high", "scope": { "platform_id": "cya_plat_000087", "product_names": [ "Uphold Staking", "Uphold Flexible Staking", "Uphold Boosted Staking" ], "claim_classes": [], "jurisdictions": [ "Supported Uphold staking jurisdictions" ], "platform_origin": "Global / jurisdiction-dependent", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000088", "outcome_status": "not_applicable", "estimated_recovery_rate": "No platform-wide HashKey Exchange ETH Staking customer-loss, claims or repayment process was identified in the reviewed sources; the reviewed first-party materials present the product as active.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable", "claim_process_url": null, "affected_products": [ "HashKey Exchange ETH Staking" ], "claim_classes": [], "jurisdictions": [ "Hong Kong / eligible HashKey Exchange clients" ], "as_of": "2026-08-10", "last_verified_at": "2026-08-10", "notes": "Statements about returning principal and accrued rewards when staking service conditions trigger termination are first-party product promises and are not treated as proof of principal protection, segregation, insurance or solvency.", "confidence": "high", "scope": { "platform_id": "cya_plat_000088", "product_names": [ "HashKey Exchange ETH Staking" ], "claim_classes": [], "jurisdictions": [ "Hong Kong / eligible HashKey Exchange clients" ], "platform_origin": "Hong Kong", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000089", "outcome_status": "not_applicable", "estimated_recovery_rate": "No platform-wide eToro Staking customer-loss, claims or repayment process was identified in the reviewed sources; the reviewed first-party materials present staking as active in supported jurisdictions.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable", "claim_process_url": null, "affected_products": [ "eToro Staking" ], "claim_classes": [], "jurisdictions": [ "Supported eToro staking jurisdictions" ], "as_of": "2026-08-10", "last_verified_at": "2026-08-10", "notes": "Not-applicable is not a principal, custody, segregation or solvency guarantee. Staking remains exposed to protocol, slashing, liquidity, platform, custody, market and regulatory risks even where first-party materials state that staked cryptoassets remain user property.", "confidence": "high", "scope": { "platform_id": "cya_plat_000089", "product_names": [ "eToro Staking" ], "claim_classes": [], "jurisdictions": [ "Supported eToro staking jurisdictions" ], "platform_origin": "Global / jurisdiction-dependent", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000090", "outcome_status": "not_applicable", "estimated_recovery_rate": "No platform-wide Robinhood Crypto Staking customer-loss, claims or repayment process was identified in the reviewed sources; current first-party materials present staking as active for eligible customers.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable", "claim_process_url": null, "affected_products": [ "Robinhood Crypto Staking" ], "claim_classes": [], "jurisdictions": [ "United States / Europe / supported jurisdictions" ], "as_of": "2026-08-10", "last_verified_at": "2026-08-10", "notes": "Not-applicable is not a principal, custody, segregation or solvency guarantee. Rewards depend on underlying protocols and current U.S. material describes bonding, unbonding, third-party staking partner fees, Robinhood Crypto fees and slashing risk.", "confidence": "high", "scope": { "platform_id": "cya_plat_000090", "product_names": [ "Robinhood Crypto Staking" ], "claim_classes": [], "jurisdictions": [ "United States / Europe / supported jurisdictions" ], "platform_origin": "United States / Europe / jurisdiction-dependent", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000091", "outcome_status": "not_applicable", "estimated_recovery_rate": "No platform-wide Bitstamp Earn Staking customer-loss, claims or repayment process was identified in the reviewed first-party sources; current first-party materials present staking as active in supported jurisdictions.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable", "claim_process_url": null, "affected_products": [ "Bitstamp Earn Staking" ], "claim_classes": [], "jurisdictions": [ "Supported Bitstamp staking jurisdictions" ], "as_of": "2026-08-11", "last_verified_at": "2026-08-11", "notes": "Not-applicable is not a principal, custody, segregation or solvency guarantee. Staking remains exposed to protocol, validator, slashing, liquidity, market, platform/custody and jurisdiction-specific regulatory risks.", "confidence": "high", "scope": { "platform_id": "cya_plat_000091", "product_names": [ "Bitstamp Earn Staking" ], "claim_classes": [], "jurisdictions": [ "Supported Bitstamp staking jurisdictions" ], "platform_origin": "Europe / Global / jurisdiction-dependent", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000092", "outcome_status": "not_applicable", "estimated_recovery_rate": "No platform-wide Revolut Crypto Staking customer-loss, claims or repayment process was identified in the reviewed first-party sources; current first-party materials present staking as active in eligible jurisdictions.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable", "claim_process_url": null, "affected_products": [ "Revolut Crypto Staking" ], "claim_classes": [], "jurisdictions": [ "Eligible Revolut staking jurisdictions" ], "as_of": "2026-08-11", "last_verified_at": "2026-08-11", "notes": "Not-applicable is not a principal, custody, segregation or solvency guarantee. Staking remains exposed to protocol, validator, slashing, lock-up, market, platform/custody and jurisdiction-specific regulatory risks.", "confidence": "high", "scope": { "platform_id": "cya_plat_000092", "product_names": [ "Revolut Crypto Staking" ], "claim_classes": [], "jurisdictions": [ "Eligible Revolut staking jurisdictions" ], "platform_origin": "Europe / Global / jurisdiction-dependent", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000093", "outcome_status": "not_applicable", "estimated_recovery_rate": "No platform-wide Bitso Earnings customer-loss, claims or repayment process was identified in the reviewed first-party sources; current first-party materials present Earnings as active.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable", "claim_process_url": null, "affected_products": [ "Bitso Earnings" ], "claim_classes": [], "jurisdictions": [ "Eligible Bitso Earnings jurisdictions" ], "as_of": "2026-08-11", "last_verified_at": "2026-08-11", "notes": "Not-applicable is not a principal, custody, segregation or solvency guarantee. Risks vary by supported asset and yield method, including market, protocol, third-party provider, counterparty, platform/custody and regulatory exposure.", "confidence": "high", "scope": { "platform_id": "cya_plat_000093", "product_names": [ "Bitso Earnings" ], "claim_classes": [], "jurisdictions": [ "Eligible Bitso Earnings jurisdictions" ], "platform_origin": "Latin America / jurisdiction-dependent", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000094", "outcome_status": "not_applicable", "estimated_recovery_rate": "No platform-wide Luno Staking customer-loss, claims or repayment process was identified in the reviewed first-party sources; current first-party materials present staking as active in eligible regions.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable", "claim_process_url": null, "affected_products": [ "Luno Staking" ], "claim_classes": [], "jurisdictions": [ "Malaysia", "Nigeria", "South Africa" ], "as_of": "2026-08-11", "last_verified_at": "2026-08-11", "notes": "Not-applicable is not a principal, custody, segregation or solvency guarantee. Luno's terms document protocol, validator, warm-up, slashing and principal-loss risks.", "confidence": "high", "scope": { "platform_id": "cya_plat_000094", "product_names": [ "Luno Staking" ], "claim_classes": [], "jurisdictions": [ "Malaysia", "Nigeria", "South Africa" ], "platform_origin": "Malaysia / Nigeria / South Africa / jurisdiction-dependent", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000095", "outcome_status": "not_applicable", "estimated_recovery_rate": "No platform-wide Ndax Staking customer-loss, claims or repayment process was identified in the reviewed first-party sources; current first-party materials present staking as active for Canadian residents.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable", "claim_process_url": null, "affected_products": [ "Ndax Staking" ], "claim_classes": [], "jurisdictions": [ "Canada" ], "as_of": "2026-08-11", "last_verified_at": "2026-08-11", "notes": "Not-applicable is not a principal, custody, segregation or solvency guarantee. Staking remains exposed to third-party-validator, protocol, slashing, market, platform/custody and regulatory risks.", "confidence": "high", "scope": { "platform_id": "cya_plat_000095", "product_names": [ "Ndax Staking" ], "claim_classes": [], "jurisdictions": [ "Canada" ], "platform_origin": "Canada", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000096", "outcome_status": "not_applicable", "estimated_recovery_rate": "No platform-wide VALR Staking customer-loss, claims or repayment process was identified in the reviewed first-party sources; current first-party materials present staking as active.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable", "claim_process_url": null, "affected_products": [ "VALR Staking" ], "claim_classes": [], "jurisdictions": [ "South Africa / eligible VALR jurisdictions" ], "as_of": "2026-08-11", "last_verified_at": "2026-08-11", "notes": "Not-applicable is not a guarantee against protocol, validator, slashing, market or operational losses. Current ownership and creditor-treatment language is terms-version specific and should be reverified when governing terms change.", "confidence": "high", "scope": { "platform_id": "cya_plat_000096", "product_names": [ "VALR Staking" ], "claim_classes": [], "jurisdictions": [ "South Africa / eligible VALR jurisdictions" ], "platform_origin": "South Africa / Global", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000097", "outcome_status": "not_applicable", "estimated_recovery_rate": "No platform-wide Newton Earn/Staking customer-loss, claims or repayment process was identified in the reviewed first-party sources; current first-party materials present staking as active in Canada.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable", "claim_process_url": null, "affected_products": [ "Newton Earn (Staking)" ], "claim_classes": [], "jurisdictions": [ "Canada" ], "as_of": "2026-08-11", "last_verified_at": "2026-08-11", "notes": "Not-applicable is not a principal, reward, custody, segregation or solvency guarantee. Staking remains exposed to validator, protocol, slashing, market, custody/platform and regulatory risks.", "confidence": "high", "scope": { "platform_id": "cya_plat_000097", "product_names": [ "Newton Earn (Staking)" ], "claim_classes": [], "jurisdictions": [ "Canada" ], "platform_origin": "Canada", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000098", "outcome_status": "not_applicable", "estimated_recovery_rate": "No platform-wide Wealthsimple Crypto Staking customer-loss, claims or repayment process was identified in the reviewed first-party sources; current first-party materials present staking as active for eligible Canadian customers.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable", "claim_process_url": null, "affected_products": [ "Wealthsimple Crypto Staking" ], "claim_classes": [], "jurisdictions": [ "Canada" ], "as_of": "2026-08-11", "last_verified_at": "2026-08-11", "notes": "Not-applicable is not a guarantee against validator, protocol, slashing, market, liquidity, custody/platform, operational or regulatory losses. Current trust/separation language remains terms-version specific.", "confidence": "high", "scope": { "platform_id": "cya_plat_000098", "product_names": [ "Wealthsimple Crypto Staking" ], "claim_classes": [], "jurisdictions": [ "Canada" ], "platform_origin": "Canada", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000099", "outcome_status": "not_applicable", "estimated_recovery_rate": "No platform-wide Bit2Me Earn customer-loss, claims or repayment process was identified in the reviewed first-party sources; current first-party material presents Earn as active.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable", "claim_process_url": null, "affected_products": [ "Bit2Me Earn" ], "claim_classes": [], "jurisdictions": [ "Spain", "Europe" ], "as_of": "2026-08-11", "last_verified_at": "2026-08-11", "notes": "Not-applicable is not a principal, yield, liquidity or solvency guarantee. Earn assets are subject to the product-specific transfer/use terms and platform, counterparty, staking, market, operational and regulatory risks.", "confidence": "high", "scope": { "platform_id": "cya_plat_000099", "product_names": [ "Bit2Me Earn" ], "claim_classes": [], "jurisdictions": [ "Spain", "Europe" ], "platform_origin": "Spain / Europe", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000100", "outcome_status": "not_applicable", "estimated_recovery_rate": "No platform-wide Coinmerce Earn customer-loss, claims or repayment process was identified in the reviewed first-party sources; current first-party material presents the Earn Program as active.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable", "claim_process_url": null, "affected_products": [ "Coinmerce Earn" ], "claim_classes": [], "jurisdictions": [ "Netherlands", "Europe" ], "as_of": "2026-08-11", "last_verified_at": "2026-08-11", "notes": "Not-applicable is not a principal, yield, counterparty or solvency guarantee. Earn uses a lender/borrower structure in which dedicated assets leave ordinary Foundation custody and may be used for on-lending or staking.", "confidence": "high", "scope": { "platform_id": "cya_plat_000100", "product_names": [ "Coinmerce Earn" ], "claim_classes": [], "jurisdictions": [ "Netherlands", "Europe" ], "platform_origin": "Netherlands / Europe", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000101", "outcome_status": "unknown", "estimated_recovery_rate": "Not established. CYA has not verified the requested withdrawal destination, final settlement, or whether the claimant ultimately recovered the disputed balance.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": null, "claim_process_url": null, "affected_products": [ "XORA Finance XRP Yield" ], "claim_classes": [], "jurisdictions": [ "Sweden", "Global" ], "as_of": "2026-08-12", "last_verified_at": "2026-08-12", "notes": "Unknown is scoped to the documented claimant dispute and must not be read as a platform-wide loss, insolvency or recovery-rate conclusion. The platform remains recorded as active because current first-party materials present it as operating and the reviewed evidence does not establish a general withdrawal suspension.", "confidence": "medium", "scope": { "platform_id": "cya_plat_000101", "product_names": [ "XORA Finance XRP Yield" ], "claim_classes": [], "jurisdictions": [ "Sweden", "Global" ], "platform_origin": "Sweden / Global", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000102", "outcome_status": "not_applicable", "estimated_recovery_rate": "not_applicable", "repayment_method": "Not applicable; IZAKA-YA remains an active platform and no failure, insolvency, withdrawal freeze, or customer-claims process is established by the reviewed sources.", "claim_process_url": "https://izakaya.tech/en/", "jurisdictions": [ "Hong Kong", "Global" ], "affected_products": [ "IZAKA-YA Lending" ], "last_verified_at": "2026-08-23", "confidence": "medium", "notes": "Public lending instructions describe contractual product mechanics, including principal plus interest returning to the wallet after lock expiry, but those instructions are not evidence of universal realized repayment. A current first-party article explicitly warns that crypto-lending principal is not guaranteed. No adverse customer outcome is inferred merely from promotional yield levels or unresolved terms.", "as_of": "2026-08-23", "scope": { "platform_id": "cya_plat_000102", "product_names": [ "IZAKA-YA Lending" ], "claim_classes": [], "jurisdictions": [ "Hong Kong", "Global" ], "platform_origin": "Hong Kong", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000103", "outcome_status": "not_applicable", "estimated_recovery_rate": "No platform-wide customer-loss, claims or repayment process was identified for BTCC Earn in the reviewed sources; Flexible Earn and Fixed Earn remain active.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable", "claim_process_url": null, "affected_products": [ "BTCC Flexible Earn", "BTCC Fixed Earn" ], "claim_classes": [], "jurisdictions": [ "Supported BTCC jurisdictions" ], "as_of": "2026-08-13", "last_verified_at": "2026-08-13", "notes": "Not-applicable is not a safety or repayment guarantee. Current FAQ language about principal or principal plus interest returning to the wallet describes product mechanics, not independently verified universal customer outcomes.", "confidence": "high", "scope": { "platform_id": "cya_plat_000103", "product_names": [ "BTCC Flexible Earn", "BTCC Fixed Earn" ], "claim_classes": [], "jurisdictions": [ "Supported BTCC jurisdictions" ], "platform_origin": "Poland / jurisdiction-dependent", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000104", "outcome_status": "unknown", "estimated_recovery_rate": "Not established. JBank's 4 December 2025 notice describes release beginning after six months for one International Version path or accelerated release through performance-based unlocking, but the reviewed sources do not establish universal completion or a verified aggregate release rate for affected long-term stakers.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Issuer-described delayed release after six months or performance-based accelerated unlocking; completion unverified.", "claim_process_url": null, "affected_products": [ "JBank long-term staking", "JBank International Version" ], "claim_classes": [ "Long-term stakers with unsold assets affected by the International Version rules" ], "jurisdictions": [ "Global / decentralized" ], "as_of": "2026-08-13", "last_verified_at": "2026-08-13", "notes": "Unknown does not mean no recovery. The issuer notice provides a release mechanism but CYA did not find first-party evidence proving that every affected long-term position had been fully released by the verification date. No static returns were to accrue during the described waiting/unlocking routes.", "confidence": "medium", "scope": { "platform_id": "cya_plat_000104", "product_names": [ "JBank long-term staking", "JBank International Version" ], "claim_classes": [ "Long-term stakers with unsold assets affected by the International Version rules" ], "jurisdictions": [ "Global / decentralized" ], "platform_origin": "Global / decentralized / JuCoin-associated", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000105", "outcome_status": "not_applicable", "estimated_recovery_rate": "not_applicable", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable; Smart Crypto Lending is currently presented as an active service and the reviewed first-party sources do not establish a platform-wide failure, claims process, restructuring or customer-loss event.", "claim_process_url": null, "affected_products": [ "Smart Crypto Lending" ], "claim_classes": [], "jurisdictions": [ "Japan" ], "as_of": "2026-08-14", "last_verified_at": "2026-08-14", "notes": "The contractual promise to return principal plus interest after the lending term is a product term, not evidence of universal realized repayment. CYA found no first-party evidence in this review of a platform-wide adverse customer outcome, and does not infer solvency or repayment performance from the continued availability of the service.", "confidence": "high", "scope": { "platform_id": "cya_plat_000105", "product_names": [ "Smart Crypto Lending" ], "claim_classes": [], "jurisdictions": [ "Japan" ], "platform_origin": "Japan", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000106", "outcome_status": "not_applicable", "estimated_recovery_rate": "not_applicable", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable; BitLending is currently presented as an active service and the reviewed first-party sources do not establish a platform-wide failure, restructuring, claims process or customer-loss event.", "claim_process_url": null, "affected_products": [ "BitLending" ], "claim_classes": [], "jurisdictions": [ "Japan" ], "as_of": "2026-08-14", "last_verified_at": "2026-08-14", "notes": "Contractual return mechanics and the continued availability of the service are not evidence of universal realized repayment or solvency. CYA records no adverse platform-wide outcome from the reviewed first-party material and does not infer principal safety from issuer marketing or security statements.", "confidence": "high", "scope": { "platform_id": "cya_plat_000106", "product_names": [ "BitLending" ], "claim_classes": [], "jurisdictions": [ "Japan" ], "platform_origin": "Japan", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000107", "outcome_status": "not_applicable", "estimated_recovery_rate": "not_applicable", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable; HashHub Lending is currently presented as an active service and the reviewed first-party sources do not establish a platform-wide failure, restructuring, claims process or customer-loss event.", "claim_process_url": null, "affected_products": [ "HashHub Lending" ], "claim_classes": [], "jurisdictions": [ "Japan" ], "as_of": "2026-08-14", "last_verified_at": "2026-08-14", "notes": "The 2024 company split changed the contractual service provider but is not recorded as a customer-loss or impairment event. Current contractual return obligations, continued operation and published lending-fee rates are not proof of universal realized repayment or solvency.", "confidence": "high", "scope": { "platform_id": "cya_plat_000107", "product_names": [ "HashHub Lending" ], "claim_classes": [], "jurisdictions": [ "Japan" ], "platform_origin": "Japan", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000108", "outcome_status": "not_applicable", "estimated_recovery_rate": "not_applicable", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable; Coincheck Lending is currently presented as active and the reviewed first-party sources do not establish a platform-wide failure, restructuring, claims process or customer-loss event.", "claim_process_url": null, "affected_products": [ "Coincheck 貸暗号資産サービス" ], "claim_classes": [], "jurisdictions": [ "Japan" ], "as_of": "2026-08-14", "last_verified_at": "2026-08-14", "notes": "Contractual maturity/return terms and continued operation do not prove universal realized repayment or solvency. The product itself discloses unsecured counterparty risk and the possibility that lent assets may not be returned if Coincheck fails.", "confidence": "high", "scope": { "platform_id": "cya_plat_000108", "product_names": [ "Coincheck 貸暗号資産サービス" ], "claim_classes": [], "jurisdictions": [ "Japan" ], "platform_origin": "Japan", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000109", "outcome_status": "not_applicable", "estimated_recovery_rate": "not_applicable", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable; GMO Coin Lending Basic is currently presented as active and the reviewed first-party sources do not establish a platform-wide failure, restructuring, claims process or customer-loss event.", "claim_process_url": null, "affected_products": [ "GMOコイン 貸暗号資産ベーシック" ], "claim_classes": [], "jurisdictions": [ "Japan" ], "as_of": "2026-08-14", "last_verified_at": "2026-08-14", "notes": "Contractual maturity/return terms and continued operation do not prove universal realized repayment or solvency. Current first-party disclosures expressly warn that lent assets may not be returned if GMO Coin fails.", "confidence": "high", "scope": { "platform_id": "cya_plat_000109", "product_names": [ "GMOコイン 貸暗号資産ベーシック" ], "claim_classes": [], "jurisdictions": [ "Japan" ], "platform_origin": "Japan", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000110", "outcome_status": "not_applicable", "estimated_recovery_rate": "not_applicable", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable; PBR LENDING is currently presented as active and the reviewed first-party sources do not establish a platform-wide failure, restructuring, claims process or customer-loss event.", "claim_process_url": null, "affected_products": [ "PBR LENDING" ], "claim_classes": [], "jurisdictions": [ "Japan" ], "as_of": "2026-08-15", "last_verified_at": "2026-08-15", "notes": "Contractual return obligations and current active operation do not prove universal realized repayment or solvency. Current first-party terms expressly disclose unsecured counterparty and insolvency risk and state that customers become general creditors in insolvency.", "confidence": "high", "scope": { "platform_id": "cya_plat_000110", "product_names": [ "PBR LENDING" ], "claim_classes": [], "jurisdictions": [ "Japan" ], "platform_origin": "Japan", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000111", "outcome_status": "not_applicable", "estimated_recovery_rate": "not_applicable", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable; FUELHASH CRYPTOLENDING is currently presented as active and the reviewed first-party sources do not establish a platform-wide failure, restructuring, claims process or customer-loss event.", "claim_process_url": null, "affected_products": [ "FUELHASH CRYPTOLENDING", "CRYPTOTREND" ], "claim_classes": [], "jurisdictions": [ "Japan" ], "as_of": "2026-08-15", "last_verified_at": "2026-08-15", "notes": "Current operation and contractual return mechanics do not prove universal realized repayment or solvency. The current Terms expressly disclose that FUELHASH failure can make return of borrowed customer assets impossible; marketing principal-guarantee language is not treated as independent proof of principal protection.", "confidence": "high", "scope": { "platform_id": "cya_plat_000111", "product_names": [ "FUELHASH CRYPTOLENDING", "CRYPTOTREND" ], "claim_classes": [], "jurisdictions": [ "Japan" ], "platform_origin": "Japan", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000112", "outcome_status": "not_applicable", "estimated_recovery_rate": "not_applicable", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable; SBI VC Trade 貸コイン is currently presented as active and the reviewed first-party sources do not establish a platform-wide failure, restructuring, claims process or customer-loss event.", "claim_process_url": null, "affected_products": [ "SBI VC Trade 貸コイン" ], "claim_classes": [], "jurisdictions": [ "Japan" ], "as_of": "2026-08-15", "last_verified_at": "2026-08-15", "notes": "Current operation and contractual return mechanics do not prove universal realized repayment or solvency. Product-specific lending disclosures expressly preserve borrower/counterparty and insolvency non-return risk.", "confidence": "high", "scope": { "platform_id": "cya_plat_000112", "product_names": [ "SBI VC Trade 貸コイン" ], "claim_classes": [], "jurisdictions": [ "Japan" ], "platform_origin": "Japan", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000113", "outcome_status": "not_applicable", "estimated_recovery_rate": "not_applicable", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable as a failure-recovery process. LINE BITMAX ended its service through an announced shutdown process; the official shutdown plan describes sequential termination of lending contracts and a conversion-and-return procedure for remaining customer crypto assets and yen balances.", "claim_process_url": null, "affected_products": [ "LINE BITMAX 暗号資産貸出サービス" ], "claim_classes": [], "jurisdictions": [ "Japan" ], "as_of": "2026-08-15", "last_verified_at": "2026-08-15", "notes": "The service-end asset-return procedure is not evidence of universal historical lending performance, a recovery percentage, or a completed claims process. CYA does not invent a common final date for all outstanding lending contracts.", "confidence": "high", "scope": { "platform_id": "cya_plat_000113", "product_names": [ "LINE BITMAX 暗号資産貸出サービス" ], "claim_classes": [], "jurisdictions": [ "Japan" ], "platform_origin": "Japan", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000114", "outcome_status": "not_applicable", "estimated_recovery_rate": "not_applicable", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable as a failure-recovery process. bitbank's lending service remains active in the reviewed first-party material; CYA records current contractual return mechanics without converting them into a historical recovery process.", "claim_process_url": null, "affected_products": [ "bitbank 暗号資産を貸して増やす" ], "claim_classes": [], "jurisdictions": [ "Japan" ], "as_of": "2026-08-17", "last_verified_at": "2026-08-17", "notes": "Current product mechanics do not prove universal historical repayment performance or a realized recovery percentage.", "confidence": "high", "scope": { "platform_id": "cya_plat_000114", "product_names": [ "bitbank 暗号資産を貸して増やす" ], "claim_classes": [], "jurisdictions": [ "Japan" ], "platform_origin": "Japan", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000115", "outcome_status": "not_applicable", "estimated_recovery_rate": "not_applicable", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable as a failure-recovery process. BITPOINT's lending service remains active in the reviewed first-party material; CYA records current contractual return mechanics without converting them into a historical recovery process.", "claim_process_url": null, "affected_products": [ "BITPOINT 貸して増やす" ], "claim_classes": [], "jurisdictions": [ "Japan" ], "as_of": "2026-08-17", "last_verified_at": "2026-08-17", "notes": "Current product mechanics do not prove universal historical repayment performance or a realized recovery percentage.", "confidence": "high", "scope": { "platform_id": "cya_plat_000115", "product_names": [ "BITPOINT 貸して増やす" ], "claim_classes": [], "jurisdictions": [ "Japan" ], "platform_origin": "Japan", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000116", "outcome_status": "not_applicable", "estimated_recovery_rate": "not_applicable", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable as a failure-recovery process. BitTrade's lending service remains active in the reviewed first-party material; CYA records current contractual return mechanics and insolvency exposure without converting them into a historical recovery process.", "claim_process_url": null, "affected_products": [ "BitTrade 貸暗号資産" ], "claim_classes": [], "jurisdictions": [ "Japan" ], "as_of": "2026-08-17", "last_verified_at": "2026-08-17", "notes": "Current product mechanics do not prove universal historical repayment performance or a realized recovery percentage.", "confidence": "high", "scope": { "platform_id": "cya_plat_000116", "product_names": [ "BitTrade 貸暗号資産" ], "claim_classes": [], "jurisdictions": [ "Japan" ], "platform_origin": "Japan", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000117", "outcome_status": "not_applicable", "estimated_recovery_rate": "not_applicable", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable as a failure-recovery process. OKJ's lending service remains active in the reviewed first-party material; CYA records current contractual return mechanics and insolvency exposure without converting them into a historical recovery process.", "claim_process_url": null, "affected_products": [ "OKJ 貸暗号資産" ], "claim_classes": [], "jurisdictions": [ "Japan" ], "as_of": "2026-08-17", "last_verified_at": "2026-08-17", "notes": "Current product mechanics do not prove universal historical repayment performance or a realized recovery percentage.", "confidence": "high", "scope": { "platform_id": "cya_plat_000117", "product_names": [ "OKJ 貸暗号資産" ], "claim_classes": [], "jurisdictions": [ "Japan" ], "platform_origin": "Japan", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000118", "outcome_status": "not_applicable", "estimated_recovery_rate": "not_applicable", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable as a failure-recovery process. CoinTrade Lending remains active in the reviewed first-party material; CYA records current contractual return mechanics without converting them into a historical recovery process.", "claim_process_url": null, "affected_products": [ "CoinTrade Lending" ], "claim_classes": [], "jurisdictions": [ "Japan" ], "as_of": "2026-08-17", "last_verified_at": "2026-08-17", "notes": "Current season-based return mechanics do not prove universal historical repayment performance or a realized recovery percentage.", "confidence": "high", "scope": { "platform_id": "cya_plat_000118", "product_names": [ "CoinTrade Lending" ], "claim_classes": [], "jurisdictions": [ "Japan" ], "platform_origin": "Japan", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000119", "outcome_status": "not_applicable", "estimated_recovery_rate": "not_applicable", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable as a failure-recovery process. The reviewed first-party material shows an active lending service; contractual maturity-return mechanics are recorded without converting them into a historical recovery process.", "claim_process_url": null, "affected_products": [ "HashKey Japan 貸暗号資産" ], "claim_classes": [], "jurisdictions": [ "Japan" ], "as_of": "2026-08-20", "last_verified_at": "2026-08-20", "notes": "Current maturity-return mechanics do not prove universal historical repayment performance or a realized recovery percentage.", "confidence": "high", "scope": { "platform_id": "cya_plat_000119", "product_names": [ "HashKey Japan 貸暗号資産" ], "claim_classes": [], "jurisdictions": [ "Japan" ], "platform_origin": "Japan", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000120", "outcome_status": "not_applicable", "estimated_recovery_rate": "not_applicable", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable as a failure-recovery process. bitFlyer 定期貸しコイン remains active in the reviewed first-party material; CYA records current contractual lending mechanics without converting them into a historical recovery process.", "claim_process_url": null, "affected_products": [ "bitFlyer 定期貸しコイン" ], "claim_classes": [], "jurisdictions": [ "Japan" ], "as_of": "2026-08-21", "last_verified_at": "2026-08-21", "notes": "Current product operation and contractual return mechanics do not prove universal historical repayment performance or a realized recovery percentage.", "confidence": "high", "scope": { "platform_id": "cya_plat_000120", "product_names": [ "bitFlyer 定期貸しコイン" ], "claim_classes": [], "jurisdictions": [ "Japan" ], "platform_origin": "Japan", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000121", "outcome_status": "not_applicable", "estimated_recovery_rate": "not_applicable", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable as a failure-recovery process. Reviewed materials establish historical contractual maturity mechanics, while current operating status remains unresolved.", "claim_process_url": null, "affected_products": [ "BitMEX EARN" ], "claim_classes": [], "jurisdictions": [], "as_of": "2026-08-22", "last_verified_at": "2026-08-22", "notes": "No platform-wide failure or recovery process is established in the reviewed authority. Historical principal-plus-interest terms are not treated as proof of universal repayment performance.", "confidence": "medium", "scope": { "platform_id": "cya_plat_000121", "product_names": [ "BitMEX EARN" ], "claim_classes": [], "jurisdictions": [], "platform_origin": "Global", "scope_status": "not_specified" } }, { "platform_id": "cya_plat_000122", "outcome_status": "not_applicable", "estimated_recovery_rate": "not_applicable", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable as a failure-recovery process; reviewed sources establish a currently operating Earn product rather than a claims or recovery process.", "claim_process_url": null, "affected_products": [ "CoinDCX Earn" ], "claim_classes": [], "jurisdictions": [ "India / product-jurisdiction specific" ], "as_of": "2026-08-23", "last_verified_at": "2026-08-23", "notes": "No reviewed first-party source establishes insolvency, platform-wide withdrawal suspension, restructuring, haircut or customer claims process for CoinDCX Earn.", "confidence": "high", "scope": { "platform_id": "cya_plat_000122", "product_names": [ "CoinDCX Earn" ], "claim_classes": [], "jurisdictions": [ "India / product-jurisdiction specific" ], "platform_origin": "India / product-jurisdiction specific", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000123", "outcome_status": "not_applicable", "estimated_recovery_rate": "not_applicable", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable as a failure-recovery process; reviewed materials establish an active staking/yield service.", "claim_process_url": null, "affected_products": [ "CoinSwitch EARN" ], "claim_classes": [], "jurisdictions": [], "as_of": "2026-08-23", "last_verified_at": "2026-08-23", "notes": "No platform-wide failure, claims process or recovery event is established in the reviewed authority.", "confidence": "high", "scope": { "platform_id": "cya_plat_000123", "product_names": [ "CoinSwitch EARN" ], "claim_classes": [], "jurisdictions": [], "platform_origin": "India", "scope_status": "not_specified" } }, { "platform_id": "cya_plat_000124", "outcome_status": "not_applicable", "estimated_recovery_rate": "not_applicable", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable as a failure-recovery process; reviewed first-party sources establish a currently operating Earn product.", "claim_process_url": null, "affected_products": [ "Mudrex Earn" ], "claim_classes": [], "jurisdictions": [ "India / Global product availability" ], "as_of": "2026-08-23", "last_verified_at": "2026-08-23", "notes": "No reviewed first-party source establishes a platform-wide failure, claims process, haircut or recovery event for Mudrex Earn.", "confidence": "high", "scope": { "platform_id": "cya_plat_000124", "product_names": [ "Mudrex Earn" ], "claim_classes": [], "jurisdictions": [ "India / Global product availability" ], "platform_origin": "India / Global", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000125", "outcome_status": "not_applicable", "estimated_recovery_rate": "not_applicable", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable as a failure-recovery process. The 2026-08-23 restriction leaves repay and withdraw available and does not establish a claims or recovery process.", "claim_process_url": null, "affected_products": [ "Kinza Finance Money Market" ], "claim_classes": [], "jurisdictions": [], "as_of": "2026-08-23", "last_verified_at": "2026-08-23", "notes": "No reviewed evidence establishes a platform-wide failure, haircut, claims process, repayment program, or customer loss. The current canonical state is limited operation.", "confidence": "medium", "scope": { "platform_id": "cya_plat_000125", "product_names": [ "Kinza Finance Money Market" ], "claim_classes": [], "jurisdictions": [], "platform_origin": "Global / BNB Chain ecosystem", "scope_status": "not_specified" } }, { "platform_id": "cya_plat_000126", "outcome_status": "not_applicable", "estimated_recovery_rate": "not_applicable", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable as a failure-recovery process; reviewed first-party sources establish a currently operating Earn product.", "claim_process_url": null, "affected_products": [ "ZebPay Earn" ], "claim_classes": [], "jurisdictions": [ "India / Global product availability" ], "as_of": "2026-08-23", "last_verified_at": "2026-08-23", "notes": "No reviewed first-party source establishes a platform-wide failure, claims process, haircut or recovery event for ZebPay Earn.", "confidence": "high", "scope": { "platform_id": "cya_plat_000126", "product_names": [ "ZebPay Earn" ], "claim_classes": [], "jurisdictions": [ "India / Global product availability" ], "platform_origin": "India / Global", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000127", "outcome_status": "not_applicable", "estimated_recovery_rate": "not_applicable", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Not applicable as a failure-recovery process; reviewed first-party sources establish a currently operating lending product.", "claim_process_url": null, "affected_products": [ "Smart Lending" ], "claim_classes": [], "jurisdictions": [ "Japan" ], "as_of": "2026-08-26", "last_verified_at": "2026-08-26", "notes": "No reviewed first-party source establishes a platform-wide failure, claims process, haircut or recovery event for Smart Lending.", "confidence": "high", "scope": { "platform_id": "cya_plat_000127", "product_names": [ "Smart Lending" ], "claim_classes": [], "jurisdictions": [ "Japan" ], "platform_origin": "Japan", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000128", "outcome_status": "claims_ongoing", "estimated_recovery_rate": "unknown", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Neutrl announced an early-redemption mechanism for NUSD and sNUSD holders, but final terms, timing and recoverable value were not yet confirmed as of 2026-08-30.", "claim_process_url": null, "affected_products": [ "NUSD", "sNUSD" ], "claim_classes": [ "NUSD holders", "sNUSD holders" ], "jurisdictions": [], "as_of": "2026-08-30", "last_verified_at": "2026-08-30", "notes": "Recovery remains unresolved. No universal haircut, recovery percentage, completed redemption process, bankruptcy or insolvency outcome is established by the reviewed sources.", "confidence": "high", "scope": { "platform_id": "cya_plat_000128", "product_names": [ "NUSD", "sNUSD" ], "claim_classes": [ "NUSD holders", "sNUSD holders" ], "jurisdictions": [], "platform_origin": "unknown", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000129", "outcome_status": "unknown", "estimated_recovery_rate": "unknown", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": null, "claim_process_url": null, "affected_products": [ "mFlowWFLOW lending market" ], "claim_classes": [ "lenders / liquidity suppliers, if losses are later confirmed" ], "jurisdictions": [], "as_of": "2026-08-31", "last_verified_at": "2026-08-31", "notes": "No final user-loss allocation, bad-debt amount, recovery amount, repayment process or compensation plan was established in the reviewed same-day evidence. The incident remains under investigation.", "confidence": "medium", "scope": { "platform_id": "cya_plat_000129", "product_names": [ "mFlowWFLOW lending market" ], "claim_classes": [ "lenders / liquidity suppliers, if losses are later confirmed" ], "jurisdictions": [], "platform_origin": "Global / Flow ecosystem", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000130", "outcome_status": "unknown", "estimated_recovery_rate": "unknown", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": null, "claim_process_url": null, "affected_products": [ "Tectonic lending markets" ], "claim_classes": [ "lenders", "borrowers", "liquidity providers" ], "jurisdictions": [], "as_of": "2026-09-01", "last_verified_at": "2026-09-01", "notes": "Final lender/user loss allocation, bad debt, recovery amount and any compensation or recapitalization outcome were not established in the reviewed sources. Assets reported frozen or stranded on Cronos are not counted as recovered merely because they did not leave the chain.", "confidence": "medium", "scope": { "platform_id": "cya_plat_000130", "product_names": [ "Tectonic lending markets" ], "claim_classes": [ "lenders", "borrowers", "liquidity providers" ], "jurisdictions": [], "platform_origin": "Global / Cronos", "scope_status": "partially_specified" } }, { "platform_id": "cya_plat_000001", "outcome_status": "partial_repayment", "estimated_recovery_rate": "varies_by_claim_class", "repayment_started_at": "2024-01-31", "repayment_completed_at": null, "repayment_method": "bankruptcy distributions including crypto and other recovery components", "claim_process_url": "https://cases.stretto.com/celsius/", "affected_products": [ "Earn", "Custody", "Borrow", "other Celsius account types" ], "notes": "Celsius exited bankruptcy and began creditor distributions. Customer recovery depended on account/product type and claim treatment. This record is intentionally conservative until direct plan documents are parsed.", "confidence": "medium", "as_of": "2026-06-03", "scope": { "platform_id": "cya_plat_000001", "product_names": [ "Earn", "Custody", "Borrow", "other Celsius account types" ], "claim_classes": [], "jurisdictions": [], "platform_origin": "United States", "scope_status": "not_specified" } }, { "platform_id": "cya_plat_000002", "outcome_status": "full_repayment", "estimated_recovery_rate": "100% of allowed customer and general unsecured creditor claims in petition-date dollar terms", "repayment_started_at": "2024-02-01", "repayment_completed_at": null, "repayment_method": "bankruptcy plan distributions funded by estate recoveries and monetization of FTX-related claims", "claim_process_url": "https://restructuring.ra.kroll.com/blockfi/", "affected_products": [ "BlockFi Interest Account", "Wallet", "loans", "other account types" ], "notes": "The 100% recovery refers to allowed dollarized bankruptcy claims, not restoration of the original quantity of crypto assets or their later market value. Distribution timing depended on account category, jurisdiction, verification, and the estate payment process.", "confidence": "high", "as_of": "2026-06-03", "scope": { "platform_id": "cya_plat_000002", "product_names": [ "BlockFi Interest Account", "Wallet", "loans", "other account types" ], "claim_classes": [], "jurisdictions": [], "platform_origin": "United States", "scope_status": "not_specified" } }, { "platform_id": "cya_plat_000003", "outcome_status": "partial_repayment", "estimated_recovery_rate": "multiple completed distributions plus possible future estate recoveries; no final universal recovery percentage established", "repayment_started_at": "2023-06-01", "repayment_completed_at": null, "repayment_method": "estate wind-down distributions, including the initial recovery and a second distribution funded in part by the resolved FTX litigation claims", "claim_process_url": "https://www.investvoyager.com/", "affected_products": [ "customer crypto balances", "rewards-related balances", "platform account claims" ], "as_of": "2026-02-27", "last_verified_at": "2026-08-29", "notes": "Voyager moved into a direct recovery process after proposed sale paths failed. The Wind-Down Debtor states that the FTX settlement released $450 million plus interest and that those funds were distributed to Voyager creditors in the Second Distribution. The creditor portal lists a Plan Administrator Tenth Status Report dated 2026-02-27; that report says another round of creditor distributions was expected later in 2026. Recovery therefore remains partial and ongoing rather than final or uniform across all claims.", "confidence": "high", "scope": { "platform_id": "cya_plat_000003", "product_names": [ "customer crypto balances", "rewards-related balances", "platform account claims" ], "claim_classes": [], "jurisdictions": [], "platform_origin": "United States / Canada", "scope_status": "not_specified" } }, { "platform_id": "cya_plat_000004", "outcome_status": "partial_repayment", "estimated_recovery_rate": "varies_by_creditor_class_with_gemini_earn_in_kind_distribution_reported", "repayment_started_at": "2024-05-29", "repayment_completed_at": null, "repayment_method": "bankruptcy liquidation distributions and Gemini Earn in-kind distributions", "claim_process_url": "https://restructuring.ra.kroll.com/genesis/", "affected_products": [ "Genesis lending claims", "Gemini Earn linked claims", "institutional lending claims" ], "notes": "Genesis customer outcome is complex. Gemini Earn customers reportedly received substantial in-kind distributions after the Genesis process, while broader Genesis creditor recoveries depended on the liquidation plan and claim class. This seed should be upgraded with direct plan documents.", "confidence": "medium", "as_of": "2026-06-03", "scope": { "platform_id": "cya_plat_000004", "product_names": [ "Genesis lending claims", "Gemini Earn linked claims", "institutional lending claims" ], "claim_classes": [], "jurisdictions": [], "platform_origin": "United States", "scope_status": "not_specified" } }, { "platform_id": "cya_plat_000005", "outcome_status": "claims_ongoing", "estimated_recovery_rate": "unknown_liquidation_dependent", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "liquidation process", "claim_process_url": "https://www.hodlnaut.com/", "affected_products": [ "interest account balances", "deposited crypto assets" ], "notes": "Hodlnaut was ordered into liquidation after judicial management. Customer recovery remains liquidation-dependent in this seed record and needs direct liquidator-source upgrades.", "confidence": "medium", "as_of": "2026-06-03", "scope": { "platform_id": "cya_plat_000005", "product_names": [ "interest account balances", "deposited crypto assets" ], "claim_classes": [], "jurisdictions": [], "platform_origin": "Singapore", "scope_status": "not_specified" } }, { "platform_id": "cya_plat_000006", "outcome_status": "claims_ongoing", "estimated_recovery_rate": "unknown_restructuring_dependent", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "creditor protection and restructuring process", "claim_process_url": "https://www.vauld.com/", "affected_products": [ "Vauld customer balances", "yield account balances", "lending account claims" ], "notes": "Vauld customer outcome remains restructuring-dependent in this seed. A later pass should replace this with direct creditor or court-source details.", "confidence": "medium", "as_of": "2026-06-03", "scope": { "platform_id": "cya_plat_000006", "product_names": [ "Vauld customer balances", "yield account balances", "lending account claims" ], "claim_classes": [], "jurisdictions": [], "platform_origin": "Singapore / India", "scope_status": "not_specified" } }, { "platform_id": "cya_plat_000007", "outcome_status": "claims_ongoing", "estimated_recovery_rate": "unknown_legal_process_dependent", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "legal and claims process", "claim_process_url": "https://haruinvest.com/", "affected_products": [ "Haru Earn Plus", "Haru Wallet", "other yield products" ], "notes": "Haru Invest customer recovery remains unresolved in this seed. Later records should use direct court, administrator, or official customer-update sources.", "confidence": "medium", "as_of": "2026-08-28", "scope": { "platform_id": "cya_plat_000007", "product_names": [ "Haru Earn Plus", "Haru Wallet", "other yield products" ], "claim_classes": [], "jurisdictions": [], "platform_origin": "South Korea", "scope_status": "not_specified" } }, { "platform_id": "cya_plat_000008", "outcome_status": "claims_ongoing", "estimated_recovery_rate": "No final universal recovery rate established in the reviewed official court notices.", "repayment_started_at": null, "repayment_completed_at": null, "repayment_method": "Estonian bankruptcy administration through a court-confirmed creditor list and later estate distributions", "claim_process_url": "https://lauspartners.ee/en/coinloan-bankruptcy/", "affected_products": [ "CoinLoan interest account balances", "deposited crypto assets", "loan and collateral claims" ], "notes": "The court confirmed the creditor list on 10 April 2025. This establishes progress in the claims process but does not by itself establish a completed distribution or one recovery percentage for every creditor class.", "confidence": "high", "as_of": "2026-06-15", "scope": { "platform_id": "cya_plat_000008", "product_names": [ "CoinLoan interest account balances", "deposited crypto assets", "loan and collateral claims" ], "claim_classes": [], "jurisdictions": [], "platform_origin": "Estonia / Global", "scope_status": "not_specified" } } ] }