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Editorial Rating Review

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Mobile App:



Number of Cryptocurrencies:



Withdrawal Fees:



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Individual and Corporate

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Editorial Rating

Are you looking for a safe and reliable platform to support your crypto exchanges? Do you want to see high-interest returns on your digital assets? may be what you are looking for.

On top of that, it’s even free of all that confusing crypto mumbo jumbo. This enables even cryptocurrency newbies to become confident investors immediately.

Don’t worry if you are still unfamiliar with the platform and you can’t find many reviews. Considering that it’s relatively new, you are probably not the only one who’s in the dark. Let’s try to help you find out everything there is to know with our review.

What Is aims to be the go-to place for investors to store and profit from their crypto holdings. The platform will pay interest rates ranging from 7%-12% simply for being the custodian of your digital assets. To top that, is user-friendly, free of unnecessary financial and crypto jargon, and enables real-time tracking of earnings.

Launched in December 2021, this platform has a lot to prove and establish its place among its competitors. What makes it different from the rest, however, is its core concept. The team behind it wants to provide the simplest user experience while granting the highest returns from exchanges on decentralized finance markets (DeFi). The final result should be an open-for-all crypto world.

How to Use

Becoming an user starts with setting up an account on the platform. Something we noticed while compiling this review is that new users receive a modest sign-up bonus of 10 USDT so that they can better understand how things work.

After creating your account, you can fund it either by crypto or fiat transfer (if you don’t have crypto yet). The platform will list all available investment options and associated percentages of returns. You can then choose whether to invest all in one asset or spread funds across products.

Withdrawals, whether cash or crypto, can be done at any time. Funds are usually processed within 24 hours.

What are the account requirements?

Registration requires you to be at least 18 of age and involves providing some personal info. Bear in mind that you’ll need a little more than simply typing in your email address and password. All accounts go through a verification process to confirm the identity of users and where the funds are coming in from. The process is standard for all reliable crypto exchanges, so nothing to worry about. users are asked to provide a document to verify their identity and address. Documents that serve to verify your identity are Driver’s Licences, government-issued IDs or passports, Address verification can also be done through a utility bill, a bank statement, or a government-issued document showing your current address.

How to start trading?

Once the verification process is complete, it’s time to start trading. You can make a deposit either by transferring an existing crypto portfolio, by using a credit/debit card, or by making a bank transfer.

After the account has been funded, simply choose what to invest your money in. To help you make a better decision, will display the expected percentage of returns next to each asset.

What can you trade?

Being relatively new, promises to increase the number of cryptocurrencies proportionally to demand. For now, though, you can choose between Bitcoin, Ethereum, and one of three USD stablecoins – USDC, DAI, and USDT.

What tools are available?

Tools available to users are as follows:

  • Chat
  • Help & Support section
  • Wallet
  • Friend Referral
  • Privacy mode
  • Real-time tracking of earnings

How does the platform work?

It seems like what the founders of set out to do, was done successfully. As promised, the platform is user- and beginner-friendly and free of complicated jargon. However, it is yet to be determined whether this was done at the expense of certain features.

Currently, options available to users are:

As there are not many customer-generated reviews yet, it’s hard to tell how smooth and effective each of these is.

Is there a client portal? does have a client portal. The portal enables users of the platform to open tickets or go through the Help & Support or FAQs Section. All those eager to learn more can also read the blog, where the team shares its insights.


This review will not be complete without a few words on security.

This platform, despite being fully insured, is secured by Fireblocks. This is a digital asset security platform used by over 70 financial institutions worldwide. Furthermore, a 2-Factor Authentication is used to secure the account before depositing any funds.

Is Regulated?

Accru Finance UAB is registered as a Virtual Asset Service Provider (VASP) with the Financial Crime Investigation Services who are supervised by the Central Bank of Lithuania. The company is fully entitled to provide virtual currency exchange and wallet custody operations.

This means that while regulated, its services are unavailable in some territories.
Unfortunately, the US is one of those jurisdictions, so is unavailable to US citizens. Fees

AQRU operates with a 0.5% fee per transaction value when it comes to crypto-crypto, and crypto-fiat exchanges. Additionally, it also charges an equivalent of $20 fee for crypto withdrawals. Fiat can be withdrawn for free.

Speaking of withdrawals, there is no minimum as long as the fee can be covered. For deposits, the minimum amount is €100, or a little above $110. Mobile App is available to both Android and iOS users, who can download it through Google Play or the App Store, respectively. Once installed, the process of setting up an account and managing assets on the app is as simple and intuitive as on the web platform. Customer Service

Users who need assistance or answers to their questions can contact the team by:

  • Opening a ticket directly from the client portal
  • Sending an email to their support email address
  • Through Live Chat Alternatives

Needless to say, there are numerous alternatives to However, comparing this platform to platforms with already proven track-record will not do it any justice. That’s simply because the whole concept behind is so different. Yet, to be objective, we can compare it to two competitors’ crypto interest account features. vs Gemini

While both platforms are easy to use and suitable for beginner investors, Gemini is available to a wider worldwide market. is still not available in many jurisdictions, including the US. However, does enable funding to accounts with a credit or debit card. This is not an option on Gemini, and funding can only be done through direct bank transfers.

The interest rates on Gemini as of January 2022 are 1.5% on Bitcoin and over 8% on stablecoins., on the other hand, provides a flat 12% interest on stablecoins and 7% on Ethereum and Bitcoin. vs

Interest earning on depends on how high your crypto holdings are. Users who hold higher amounts see interest yields in the higher margin. provides earnings of up to 8.5% on certain cryptocurrencies, to up to 14% p.a. on stablecoins. However, the feature comes with a catch. To earn interest, you will have to lock your coins. This means that during the lock period (you decide if that is one month, three months, or for a flexible period), you cannot sell your coins., on the other hand, has flat interest earnings and offers the option to add and remove funds from the account daily and still earn on your crypto.

Wrap Up is an effort to make things easy and open the world of crypto to the everyday investor. And like that isn’t enough, it also aims to bring high yields to its clients.

Yet, the number of available cryptocurrencies is very limited. As are the markets on which the platform is available.

If you cannot see first-hand how the platform works, we hope that this review has helped you gain better insight into it.


  • User-friendly
  • Real-time tracking of earnings
  • High security


  • A limited number of cryptocurrencies
  • Not available in all markets, including the US Logo

Editorial Rating


What is is an easy-to-use crypto exchange developed to provide its users with high yields on their crypto assets. The Aqru team is composed of expert financial and technology experts, annoyed with the low returns people see on crypto.

Is secure? takes pride in using Fireblocks to make sure that the virtual assets of its clients are secured. In case anything goes bad, assets are further secured with a $30 million insurance policy.

Can US citizens use

Unfortunately, is not available in the US. This is due to not being a registered exchange by US regulations.