Kraken 與 Finst：比較這些加密貨幣交易所

Kraken vs Finst highlights the differences between a global crypto platform and a newer European-focused exchange. Finst promotes low-cost crypto investing with a streamlined user experience tailored to European clients. Kraken, which began as a cryptocurrency exchange, now offers a broad ecosystem including staking, recurring buys, asset baskets, advanced order types, and additional investment products in certain jurisdictions. This guide compares the two platforms across fees, asset coverage, trading infrastructure, product depth, security practices, and overall platform maturity.

Kraken 於 2011 年在美國成立，是加密貨幣業界最早成立且最具規模的品牌之一。交易所於 Bitcoin 推出後不足兩年便正式成立，憑藉對安全、營運透明度及優質用戶體驗的高度重視，贏得全球認可。

目前，Kraken 為超過 190 個國家的逾 1,500 萬名客戶提供服務。Kraken 的產品由面向個人投資者的旗艦 Kraken 平台，以至透過 Kraken Pro 平台及 Kraken Desktop app 為進階及機構交易者提供的強大一站式交易平台，涵蓋多個範疇。

Kraken 的機構服務套件涵蓋現貨、槓桿、期貨市場、質押及場外交易，服務合資格客戶。Kraken 亦透過 Kraken 學習中心 大力投資教育，支援新手及經驗豐富的交易者。

Kraken 總部位於懷俄明州，並透過定期發布 Proof of Reserves 強調其對問責的承諾。這項做法早於 2014 年便由 Kraken 引入業界。Kraken 亦是首間在 Bloomberg Terminal 上市的加密貨幣交易所，有助於連繫傳統金融與數位資產。

憑藉在美國、加拿大、英國、歐盟等主要市場取得的監管牌照，以及協助處理 Mt. Gox 債權人申索等案件的經驗，Kraken 建立了穩定並符合規例的營運聲譽，成為尋求安全且持久的加密貨幣交易所人士信賴的平台。

Finst is a Netherlands-based crypto exchange positioned around low fees, transparency and safety for European clients. It markets ultra-low trading fees and a large selection of listed cryptocurrencies, alongside features like staking and periodic investing. Finst also highlights proof-of-reserves and segregation of client assets as part of its trust messaging. The company is headquartered in the Netherlands and states it is authorized as a crypto-asset service provider by the Dutch Authority for the Financial Markets (AFM).

As a platform operating since 2011, Kraken brings over a decade of experience navigating global crypto markets. That longevity has helped build trust among tens of millions of users worldwide. Kraken’s security-first model includes audited Proof of Reserves, internationally recognized certifications and a history free from client fund compromises. Its regulatory footprint spans major financial jurisdictions, reinforcing oversight and accountability. While newer exchanges may compete on pricing, Kraken differentiates itself through infrastructure depth, institutional services, advanced trading functionality and global liquidity — prioritizing long-term reliability over short-term market positioning.

Kraken 的生態系旨在支援各種交易風格及不同經驗程度的用戶。你可以透過簡潔易用的流動 app 隨時隨地進行交易，或使用 Kraken Pro 的進階工具，包括詳細圖表、自定義訂單類型及即時市場數據。

平台支援所有用戶進行現貨交易；符合資格的地區亦可進行槓桿交易（槓桿最高達 5 倍）及期貨合約（槓桿最高達 50 倍）。機構及高淨值客戶可以透過 Kraken 的場外交易櫃枱及 Kraken Prime 服務使用更多服務。

除交易外，Kraken 亦提供加密貨幣質押，涵蓋超過 21 種資產；獎勵最高可達 17% 年化收益率，實際數額視乎代幣及網絡狀況而定。你可以直接透過平台質押 以太坊（ETH）、Solana (SOL) 及 Cardano (ADA) 等資產，賺取被動收益。

Kraken 亦透過 Krak 支援全球數碼支付。這項功能讓你可以免交易手續費發送加密貨幣或現金。

2024 年，Kraken 推出建基於 Optimism 的 SuperChain 的 Ink Layer-2 網絡，為中心化交易所與熱門 DeFi 協議之間提供順暢的連接。

如果你希望加深金融知識，Kraken 學習中心提供各類教育資源，涵蓋由區塊鏈基礎至進階交易策略的內容。

Finst aims to combine an exchange-style experience with a beginner-friendly interface. Users can buy and sell cryptocurrencies, set up recurring purchases, and access staking rewards for eligible assets. The platform’s emphasis is on straightforward spot trading and portfolio tools rather than a complex derivatives suite. Compared with larger global venues, pro-level features like deep futures markets, advanced margin products and highly specialized order types may be more limited, but the trade-off is a simpler product set focused on European compliance and transparent pricing.

Finst positions itself around low-cost, transparent crypto investing with a streamlined European experience. That can be compelling for users who prioritize simple pricing and an app-first approach. Kraken differentiates through breadth and infrastructure maturity. Beyond spot markets, eligible clients can access margin and futures, while advanced users benefit from Kraken Pro, APIs, and institutional services via OTC and Kraken Prime. For passive strategies, Kraken adds staking, recurring buys (DCA) and asset bundles. If your priority is a platform that can scale from simple purchases to advanced trading and professional execution, Kraken’s product depth is typically stronger.

客戶可在 Kraken 使用超過 600 種加密貨幣，包括 Bitcoin (BTC) 和 XRP (XRP) 等主要加密貨幣，以及各種山寨幣，從迷因幣到流動性質押代幣，一應俱全。

你亦可直接在 Kraken 應用程式交易超過 11,000 隻免佣金 ETF 及股票。合資格地區的客戶亦可投資xStocks，即這些股票的代幣化版本。
Kraken 支援以 10 種主要法定貨幣提款及充值，讓全球客戶可以快速便捷地為帳戶存入資金。

支援的法定貨幣包括：

• USD（美元）

• CAD（加拿大元）

• GBP（英鎊）

• EUR（歐元）

• JPY（日圓）

• AUD（澳元）

• CHF（瑞士法郎）

• ARS（阿根廷披索）

• MXN（墨西哥披索）

• BRL（巴西雷亞爾）

Kraken 亦支援 15 種穩定幣，包括 Tether (USDT)、USDC 及 USDG。

Finst advertises support for hundreds of cryptocurrencies and positions its asset coverage as a key differentiator for users who want access beyond just the largest coins. On its website, it promotes access to 340+ cryptos. As with any platform, availability can vary by jurisdiction and listing decisions can change over time, but the overall offering is presented as broad for a European-focused exchange.

Finst provides strong asset coverage for a European platform, with hundreds of cryptocurrencies available. Kraken expands that universe further, offering 500+ digital assets alongside access to 11,000+ stocks and ETFs in select jurisdictions. For investors who want both crypto diversity and optional exposure to traditional markets within the same infrastructure, Kraken delivers broader market reach.

Kraken 的交易量分級手續費模式分層清晰且透明，兼顧專業交易者及一般投資者的需要。

掛單手續費由 0.25% 起，吃單手續費為 0.40%；高交易量的個人及機構亦可享有折扣。訂閱 Kraken+ 後，合資格客戶在每月交易量達到指定上限前，更可完全免除這些手續費。

大部分加密貨幣及法定貨幣充值均可免費，惟部分充值方式及特定資產可能例外。Kraken 亦透過在交易確認前顯示所有手續費，進一步提升透明度，讓客戶事先清楚了解相關手續費，避免面對高昂的意外費用。

Finst markets a simple, flat trading fee of 0.15% with no hidden costs, positioning itself as a low-fee option for frequent traders. Flat pricing can be easy to understand compared with tiered schedules, though it may not always beat the lowest maker fees available on high-volume exchange accounts. Users should also consider deposit, withdrawal and spread costs depending on payment method and the liquidity of the assets they trade.

Finst’s flat-fee model can be appealing for users who prioritize simplicity and low headline rates. Kraken, however, offers a scalable pricing model that rewards trading volume and supports both spot and derivatives markets. For investors who expect their activity to grow over time or who use more advanced trading products, Kraken’s tiered structure may offer greater flexibility and cost optimization potential.

Kraken 廣泛被視為業內最安全的加密貨幣平台之一。自成立以來，Kraken 從未發生導致客戶資金損失的保安事故，這是少數其他交易所能夠作出的保證。客戶可享有多層帳戶保障，包括使用密碼金鑰的雙重認證、PGP 電郵加密、設有範圍限制的細緻 API 金鑰權限、可設定的帳戶逾時、即時監察可疑活動、提幣白名單及主密鑰設定。

Kraken 於 2014 年率先推出儲備證明，並持續透過定期及可由獨立人士驗證的審計引領業界。這項加密程序讓客戶可以隨時親自查閱其帳戶餘額如何由真實資產作為支持。Kraken 亦持有 ISO/IEC 27001:2013 認證，符合 SOC 2 Type 2 審計要求，並營運一項穩健的公開漏洞獎勵計畫。

Finst promotes a “1:1 asset backing” model and states that client assets are segregated from operational funds. The platform also publishes Proof of Reserves information as part of its transparency positioning. Standard account protections such as two-factor authentication are available, and custody arrangements are structured to comply with applicable Dutch regulatory requirements.

Finst promotes asset segregation and Proof of Reserves transparency, reflecting a strong emphasis on user protection. Kraken extends this approach through a longer global operating history dating back to 2011, during which it has not reported a breach resulting in client fund losses. With internationally recognized certifications, continuous monitoring systems and a dedicated internal security research team, Kraken offers a mature security framework that appeals to users seeking long-term reliability.

Kraken 以回應迅速且專業的客戶服務見稱，提供多個客服渠道以滿足不同用戶的需要。客戶可以使用真人客服提供的 24/7 線上客服、透過電郵提交請求，或在特定情況下直接致電與客服專員交談。

Kraken 的多語言客服團隊可以使用十多種語言為用戶提供協助，讓公司更有效地服務全球客戶群。

交易所亦在客戶滿意度方面獲得高度評價，並在 Customer Centricity World Series 中獲選為「最佳 AI 客戶體驗應用獎（歐洲）」得主。Kraken 專注於清晰度、同理心及解決問題的速度，持續令其客戶體驗在競爭激烈的市場中脫穎而出。

As a newer exchange, Finst positions itself as user-friendly and aims to provide responsive support through its help resources and customer service channels. Real-world support quality can vary during peak volatility, so users may want to review available contact methods and escalation options, especially if they plan to trade actively or move larger balances.

Finst provides strong asset coverage for a European platform, with hundreds of cryptocurrencies available. Kraken expands that universe further, offering 500+ digital assets alongside access to 11,000+ stocks and ETFs in select jurisdictions. For investors who want both crypto diversity and optional exposure to traditional markets within the same infrastructure, Kraken delivers broader market reach.

Finst positions itself as a transparent, low-cost European crypto platform with simplified access and competitive flat fees. Kraken complements competitive pricing with a broader infrastructure and longer operational history. With 500+ cryptocurrencies, derivatives in eligible regions, staking, recurring buys and institutional services, Kraken provides a deeper product stack. For users seeking a platform that can scale from simple investing to advanced strategies, Kraken offers greater long-term flexibility.