Kraken 与 SwissBorg：这些加密货币交易所如何比较

When comparing Kraken vs SwissBorg, investors are evaluating two platforms that serve European crypto users through different approaches. SwissBorg emphasizes a mobile-first experience and wealth management tools designed to simplify crypto investing. Kraken, originally established as a cryptocurrency exchange, has expanded its ecosystem to include staking, recurring purchases, asset bundles, advanced trading features, and additional investment products in select regions. In this comparison, we examine how the two platforms differ across fees, supported assets, trading tools, investment features, liquidity depth, security standards, and overall flexibility.

Kraken 于 2011 年在美国成立，是加密货币行业最早、最成熟的品牌之一。该交易所在比特币首次亮相不到两年后推出，因其对安全性、运营透明度和高质量用户体验的重视而赢得了全球认可。

如今，Kraken 在 190 多个国家/地区为超过 1500 万客户提供服务。其产品包括面向个人投资者的旗舰 Kraken 平台，以及通过 Kraken Pro 平台和 Kraken Desktop 应用程序为高级和机构交易者提供的强大的一体化交易平台。

Kraken 的机构套件涵盖现货、保证金、期货市场、质押和 OTC 交易，服务于合格客户。Kraken 还通过 Kraken Learn 大力投资教育，支持新手和经验丰富的交易者。

Kraken 总部位于怀俄明州，通过定期 储备金证明 强调其对问责制的承诺，这是其在 2014 年引入行业的一项实践。它也是第一家在 Bloomberg Terminal 上市的加密货币交易所，有助于弥合传统金融和数字资产之间的鸿沟。

Kraken 在美国、加拿大、英国、欧盟等主要市场拥有监管许可证，并曾协助处理 Mt. Gox 债权人索赔等案件，因此建立了稳定、合规运营的声誉，使其成为寻求安全可靠的加密货币交易所的值得信赖的目的地。

SwissBorg is a Switzerland-based crypto wealth app founded in 2017–2018, designed to make buying, selling and earning on crypto simple for everyday investors. The platform focuses on a mobile-first experience, with features such as instant swaps, recurring purchases and yield products for supported assets. SwissBorg also offers themed crypto “bundles” and premium tiers that unlock lower fees and enhanced benefits. Its positioning is closer to a wealth app than a professional trading venue, with an emphasis on ease of use, curation and community features.

Kraken’s strength lies in its long-standing operational history and infrastructure-first approach. Established in 2011, it has remained active and secure throughout extreme market volatility that has challenged many competitors. Its security framework is globally recognized, supported by third-party audits, certifications and a clean track record regarding client asset protection. Kraken was also among the early adopters of Proof of Reserves reporting, reinforcing transparency. While wealth management-focused platforms emphasize portfolio optimization tools, Kraken concentrates on delivering deep liquidity, regulatory alignment and advanced trading infrastructure for both retail and professional investors seeking stability and scale.

Kraken的产品生态系统旨在支持各种交易风格和经验水平。用户可以通过其精简的移动应用程序随时随地进行交易，或通过Kraken Pro使用更高级的工具，Kraken Pro提供详细的图表、自定义订单类型和实时市场数据。

该平台支持所有用户的现货交易，在符合条件的地区提供杠杆交易（最高5倍杠杆）和期货合约（最高50倍杠杆）。机构客户和高净值客户可通过Kraken的OTC柜台和Kraken Prime服务获取额外服务。

除了交易之外，Kraken还提供超过21种资产的加密质押服务，年化收益率（APY）最高可达17%，具体取决于币种和网络状况。用户可以直接通过平台质押Ethereum (ETH)、Solana (SOL)和Cardano (ADA)等资产，从而获得被动收益。

Kraken还通过Krak支持全球数字支付，这项功能允许用户发送加密货币或现金，且无需交易费用。

2024年，Kraken发布了其基于Optimism的SuperChain构建的Ink Layer-2 网络，为中心化交易所和流行的DeFi协议之间提供了无缝桥接。

对于那些希望深化金融知识的人，Kraken Learn提供教育资源，涵盖从区块链基础知识到高级交易策略的所有内容。

SwissBorg’s product suite is built around simple buying and selling, portfolio tools, and earning features rather than high-frequency trading. Users can swap between supported cryptocurrencies and fiat, set up recurring purchases, and access yield on eligible tokens through staking-style products. The app also offers curated bundles and managed approaches for users who prefer guided diversification. Compared with dedicated exchanges, SwissBorg generally offers fewer advanced order types and pro trading interfaces, making it better suited to long-term holders than to active traders who want deep order books and exchange-grade tooling.

SwissBorg focuses on mobile-first investing and wealth-style tools, which can be attractive if you want a guided experience and simplified execution. That approach is often less suited to traders who rely on deep order books, advanced order types, and professional market tooling. Kraken balances accessibility with institutional-grade depth. Active traders get Kraken Pro, strong liquidity, and the ability to trade spot plus margin and futures in eligible regions. At the same time, investors can use staking, recurring buys (DCA) and asset bundles to build exposure more passively—making Kraken a better fit for users who want both long-term investing tools and exchange-style trading capability.

客户可以在 Kraken 上交易 600 多种加密货币，包括 比特币 (BTC) 和 XRP (XRP) 等主要币种，以及各种山寨币，从 Meme 币 到 流动性质押代币。

Kraken 应用程序中还提供超过 11,000 种免佣金 ETF 和股票，可直接进行交易。符合条件的地区的客户还可以投资 xStocks，这些是这些股票的代币化版本。
Kraken 支持十种主要法定货币的提款和存款，使全球客户能够快速便捷地为其账户充值。

支持的法定货币包括：

• 美元 (US Dollar)

• 加元 (Canadian Dollar)

• 英镑 (Pound Sterling)

• 欧元 (Euro)

• 日元 (Japanese Yen)

• 澳元 (Australian Dollar)

• 瑞士法郎 (Swiss Franc)

• 阿根廷比索 (Argentine Peso)

• 墨西哥比索 (Mexican Peso)

• 巴西雷亚尔 (Brazilian Real)

此外，Kraken 还支持 15 种 稳定币，包括 Tether (USDT)、USDC 和 USDG。

SwissBorg supports a curated list of popular cryptocurrencies and tends to prioritize quality and user demand over listing a very large number of niche tokens. This can simplify portfolio building for newer investors, but it also means fewer opportunities to trade long-tail altcoins. Asset availability may also depend on jurisdiction and on whether the transaction is a swap, an earning product, or a bundle allocation. Traders who want the widest choice of coins and market pairs will usually find a larger selection on global exchanges.

SwissBorg focuses on a curated selection of digital assets designed for simplified portfolio management. Kraken supports a much broader universe of 500+ cryptocurrencies, including established coins, emerging tokens and liquid staking assets. Combined with 10 supported fiat currencies and additional stock and ETF access in eligible regions, Kraken offers more diversification pathways for investors seeking broader exposure.

Kraken 的基于交易量的分级收费模式透明，旨在支持专业交易者和休闲投资者。

挂单方费用从 0.25% 起，吃单方费用从 0.40% 起，高交易量个人和机构还可享受折扣。通过 Kraken+ 订阅，符合条件的客户在达到一定月交易量之前可完全免除这些费用。

大多数加密货币和法定货币存款都是免费的，但根据交易方式和具体资产可能存在一些例外。Kraken 还通过在交易确认前显示所有费用来强调透明度，确保客户提前了解所有费用，避免不必要的意外开支。

SwissBorg charges transaction fees that vary by user tier, with higher fees for standard users and reduced fees for premium levels. In its fee update for standard users, SwissBorg referenced a fee level up to 1.49% for standard accounts, while premium tiers are positioned as a way to access lower rates. This tiered model can be appealing for long-term users who qualify for premium benefits, but it can be more expensive than maker/taker pricing for active spot traders executing frequent orders.

SwissBorg’s pricing varies depending on membership tier and execution model, which can benefit loyal users but may add complexity when comparing costs. Kraken’s approach emphasizes transparency. Its maker-taker schedule is publicly available, volume tiers are clearly defined, and users can calculate their costs in advance. For traders who prefer exchange-style fee predictability over tier-based ecosystem incentives, Kraken provides a more straightforward structure.

Kraken 被广泛认为是行业中最安全的加密货币平台之一。自成立以来，Kraken 从未发生过导致客户资金损失的安全漏洞，这是少数其他交易所能做出的声明。客户受益于多层账户保护，包括带通行密钥的 2FA、PGP 邮件加密、具有范围限制的精细 API 密钥权限、可配置的账户超时、可疑活动的实时监控、提款白名单和主密钥设置。

Kraken 于 2014 年首创储备金证明，并继续通过定期、可独立验证的审计引领行业。此加密程序允许客户随时亲自查看其账户余额如何由真实资产支持。Kraken 还持有 ISO/IEC 27001:2013 认证、SOC 2 Type 2 审计合规性，并运营着一个强大的公共漏洞赏金计划。

SwissBorg highlights a security-focused custody approach supported by cold storage and layered access controls. Users can enable two-factor authentication and device-based protections within the mobile app. The platform also communicates risk profiles for its yield-related products, acknowledging that certain earning features may carry varying levels of exposure depending on the strategy deployed.

SwissBorg highlights account protections and custody controls within its mobile ecosystem. Kraken, however, differentiates itself through more than a decade of exchange operations without reported client fund losses. By combining Proof of Reserves reporting, certified security standards and layered account protections, Kraken reinforces a security-first philosophy. For traders who prioritize institutional-grade custody practices alongside active trading infrastructure, Kraken’s track record provides added confidence.

Kraken 以其响应迅速且专业的客户服务而闻名，提供多种支持渠道以满足不同用户需求。客户可以访问 24/7 全天候实时聊天，与真人客服代表对话，通过电子邮件提交请求，或者（在特定情况下）通过电话直接与支持专员通话。

Kraken 的多语言支持团队可以支持十几种语言的用户。这有助于公司更有效地服务其全球客户群。

该交易所还在客户满意度方面获得了高分，并在 Customer Centricity World Series 中被评为“欧洲最佳 CX 人工智能应用奖”获得者。其在解决问题时对清晰度、同理心和速度的关注，继续在竞争激烈的市场中彰显 Kraken 的客户体验。

SwissBorg offers customer support through its help centre and in-app contact channels, alongside educational content for users learning about crypto. Service levels may vary by tier, with premium accounts often marketed as receiving enhanced support. If you expect to need fast troubleshooting during volatile markets or want dedicated account assistance, it’s worth comparing the available channels and escalation paths against exchange-style support models.

SwissBorg focuses on a curated selection of digital assets designed for simplified portfolio management. Kraken supports a much broader universe of 500+ cryptocurrencies, including established coins, emerging tokens and liquid staking assets. Combined with 10 supported fiat currencies and additional stock and ETF access in eligible regions, Kraken offers more diversification pathways for investors seeking broader exposure.

SwissBorg focuses on mobile-first crypto investing and portfolio tools, appealing to users who prefer app-based wealth management features. Kraken balances accessibility with exchange-grade infrastructure. Supporting 500+ cryptocurrencies, staking, DCA, bundles and advanced trading via Kraken Pro — plus margin and futures access in eligible regions — Kraken offers more product depth. For investors who want both passive tools and active trading flexibility within one ecosystem, Kraken presents a more versatile environment.