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Krak vs Lulo
Compare rates, fees, access, and key features side by side.
Krak
Krak is a new simple crypto-powered mobile payment app by the popular Kraken crypto exchange. It is designed to be a crypto-friendly alternative to Ve...
Score4.1Our editors score every platform independently. Partnerships never influence the rating.
VS
Lulo
Quick takeLulo is a non-custodial stablecoin yield router that allocates deposits across multiple lending and yield protocols on Solana and Ethereum. ...
Score3.9Our editors score every platform independently. Partnerships never influence the rating.
General
Platform
Krak
Lulo
Founded
Krak2025
Lulo2023
Headquarters
KrakSan Francisco, CA
Lulo
Availability
KrakWorldwide
LuloWorldwide
Fees & Financial
Bonus
Krak$10 bonus after $10 deposit with code: CIR
LuloEarn boosted rewards with referral code: 0ACZRU
Token
Krak
Lulo
Compounding
KrakYes
LuloYes
Payouts
KrakWeekly
LuloEvery second
Fees
KrakNone
LuloNone
Lockup
KrakNone
LuloNone to 24 hours
Maker Fee
Krak
Lulo
Taker Fee
Krak
Lulo
Cryptocurrency Rates
BTC Rate
Krak0.1%
Lulo
BTC Max
Krak
Lulo
ETH Rate
Krak1%
Lulo
ETH Max
Krak
Lulo
Stablecoin Rate
Krak4.25%
Lulo11.01%
Krak
ReviewPros
- Simple, fee-free and rewarding app to manage crypto payments
- Pays interest rewards on most coins
- No lock ups
Cons
- Rates are modest
- New app with limited features vs full Kraken
Lulo
ReviewPros
- Automatically diversifies stablecoin deposits across multiple protocols while keeping positions and coverage data visible onchain.
- Protected deposits add a smart-contract-enforced first-loss layer and do not have a fixed lockup.
Cons
- Lulo deducts a 10% performance fee from generated yield.
- Protected coverage excludes stablecoin depegging, network outages, regulatory action, and failures in Lulo's own contracts; Boost depositors can lose principal.
