Kraken 對比 Belo：這些加密貨幣交易所如何比較

When comparing Kraken vs Belo, investors are evaluating a global crypto exchange against a fintech wallet designed for cross-border payments and everyday financial management in Latin America. Belo focuses on international remittance, multi-currency accounts and a crypto-linked Mastercard, while Kraken offers a deeper exchange infrastructure with advanced trading tools, staking, derivatives and expanding multi-asset access. Below, we examine how the platforms compare across supported assets, fees, security, product features and customer support to help you determine which better fits your goals.

Kraken 於 2011 年在美國成立，是加密貨幣行業最早且最知名的品牌之一。在 Bitcoin 首次亮相後不到兩年即推出，該交易所因其對安全性、營運透明度和優質用戶體驗的強烈關注而贏得了全球認可。

如今，Kraken 為超過 190 個國家的逾 1,500 萬客戶提供服務。其產品範圍從面向個人投資者的旗艦 Kraken 平台，到透過 Kraken Pro 平台和 Kraken Desktop 應用程式為進階和機構交易者提供強大的一站式交易平台。

Kraken 的機構套件涵蓋現貨、保證金、期貨市場、質押和合格客戶的 OTC 交易。Kraken 還透過 Kraken Learn 大力投資教育，支援新手和經驗豐富的交易者。

Kraken 總部位於懷俄明州，透過常規的 Proof of Reserves 致力於問責制，這是其早在 2014 年就引入行業的做法。它也是第一家在 Bloomberg Terminal 上市的加密貨幣交易所，有助於彌合傳統金融與數位資產之間的鴻溝。

Kraken 在美國、加拿大、英國、歐盟等主要市場擁有監管牌照，並在 Mt. Gox 債權人索賠等案件中提供協助，因此建立了穩定、合規營運的聲譽，使其成為尋求安全可靠、經久不衰的加密貨幣交易所的用戶信賴之選。

Founded in 2020 by Manuel Beaudroit, Edwin Rager, Fernando Berti and Manu Lopez, Belo is a digital wallet headquartered in Buenos Aires with a focus on international payments and financial inclusion for Latin American users — particularly freelancers and remote workers. Belo's core functionality centers on receiving payments from abroad (via Wise, Deel, Payoneer, PayPal and others), holding balances in multiple currencies (USD, EUR, GBP, BRL, ARS) and spending locally through a Mastercard debit card. Users can also exchange currencies, pay bills, make QR-based payments in Argentina and Brazil (via Pix), and set up automated savings with yield generation. Belo supports a limited selection of cryptocurrencies including BTC, ETH, SOL, USDT and USDC, positioning itself primarily as a hybrid fiat-crypto solution for managing international income rather than a dedicated crypto trading platform.

Belo fills a practical niche for Latin American remote workers who need seamless cross-border payment tools. However, Kraken operates at a fundamentally different scale as a global crypto exchange. Where Belo is built around receiving, holding and spending multiple currencies, Kraken provides deep exchange-grade liquidity, advanced trading infrastructure and institutional services — backed by a clean security track record since 2011. For investors who value comprehensive crypto market access, professional trading tools and a platform tested across multiple market cycles worldwide, Kraken offers a more robust exchange ecosystem.

Kraken 的產品生態系統旨在支援各種交易風格和經驗水平。用戶可透過其精簡的流動應用程式隨時隨地進行交易，或透過 Kraken Pro 使用更進階的工具，Kraken Pro 提供詳細圖表、自訂訂單類型和實時市場數據。

該平台支援所有用戶的現貨交易，並在合資格地區提供保證金交易（高達 5 倍槓桿）和期貨合約（高達 50 倍槓桿）。機構客戶和高淨值客戶可透過 Kraken 的 OTC 服務台和 Kraken Prime 產品使用額外服務。

除了交易，Kraken 還提供超過 21 種資產的加密貨幣質押服務，獎勵高達 17% 年化收益率，具體視乎幣種和網絡狀況而定。用戶可以直接透過平台質押 Ethereum (ETH)、Solana (SOL) 和 Cardano (ADA) 等資產，從而被動賺取收益。

Kraken 還透過Krak 支援全球數碼支付，此功能讓用戶無需交易費即可發送加密貨幣或現金。

於 2024 年，Kraken 發佈了其基於 Optimism 的 SuperChain 建構的 Ink Layer-2 網絡，為中心化交易所和熱門 DeFi 協議之間提供了無縫橋樑。

對於那些希望加深金融知識的人，Kraken Learn 提供教育資源，涵蓋從區塊鏈基礎知識到高級交易策略的所有內容。

Belo is designed as a financial passport for Latin American users who earn internationally. Its core features include receiving payments from platforms like Wise, Deel and PayPal, holding multi-currency balances, and spending locally via a Mastercard debit card. Users can pay with QR codes in Argentina and via Pix in Brazil, pay for local services and subscriptions, and buy gaming gift cards at a discount. The app also offers automated savings plans and yield generation on selected currencies. Belo supports basic crypto buying and selling (BTC, ETH, SOL, USDT, USDC), but does not offer margin trading, futures, advanced charting, professional order types or exchange-grade trading tools.

Belo is a well-designed solution for freelancers and remote workers who need to receive international payments and manage multiple currencies. However, its product scope is oriented around payments and spending rather than crypto trading. Kraken delivers a comprehensive crypto-native platform: Kraken Pro for advanced trading, spot, margin and futures markets in eligible regions, staking on 21+ assets, recurring buys and institutional services. For users who need exchange-level execution, broader asset access and a complete trading and investing stack, Kraken provides a fundamentally deeper platform.

客戶可在 Kraken 上交易超過 600 種加密貨幣，包括 Bitcoin (BTC) 和 XRP (XRP) 等主要貨幣，以及各種山寨幣，從 迷因幣 到 流動質押代幣。

在 Kraken 應用程式中，亦可直接交易超過 11,000 種免佣金的 ETF 和股票。對於符合資格地區的客戶，他們可以投資 xStocks，這些是這些股票的代幣化版本。
Kraken 支援十種主要法定貨幣的提款和存款，讓全球客戶能夠快速方便地為其帳戶注資。

支援的法定貨幣包括：

• USD（美元）

• CAD（加元）

• 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）

亦支援 15 種 穩定幣，包括 Tether (USDT)、USDC 和 USDG。

Belo supports a limited selection of cryptocurrencies — primarily Bitcoin (BTC), Ethereum (ETH), Solana (SOL) and stablecoins such as USDT and USDC. Its strength lies in fiat currency support: users can hold and exchange USD, EUR, GBP, BRL and ARS within the app, and receive payments from international platforms. However, Belo's crypto asset list is significantly narrower than dedicated exchanges, and the platform does not offer access to altcoins, memecoins, traditional equities or ETFs.

Belo provides useful multi-currency fiat support for cross-border payments, but its crypto asset coverage is minimal compared to a global exchange. Kraken supports 500+ cryptocurrencies ranging from large-cap tokens to emerging altcoins, plus 10 fiat currencies (including ARS), 15 stablecoins, and access to 11,000+ stocks and ETFs in select regions. For investors who want comprehensive crypto market exposure alongside multi-asset investing, Kraken delivers far broader asset availability.

Kraken 的交易量分級收費模式清晰透明，以支援專業交易者和休閒投資者。

掛單手續費從 0.25% 起，吃單手續費為 0.40%，同時亦為高交易量的個人和機構提供折扣。透過 Kraken+ 訂閱服務，符合資格的客戶在特定每月交易量範圍內可完全免除這些費用。

大部分加密貨幣和法定貨幣存款均為免費，但某些交易方式和特定資產除外。Kraken 還強調透明度，在交易確認前會顯示所有費用，確保客戶預先了解所有費用，避免產生意外的高昂費用。

Belo's pricing is generally integrated into its exchange rates and conversion spreads, which can be convenient for everyday transactions but harder to benchmark against traditional exchange fees. The platform emphasizes low costs for international payments and currency exchanges. Specific fee details may vary by transaction type, currency pair and payment method. Users who primarily receive international payments and spend locally may find the cost structure manageable, but active crypto traders comparing execution costs may find spread-based pricing less transparent than maker-taker models.

Belo's integrated pricing simplifies cross-border payment workflows, but the spread-based model may make it difficult for traders to calculate total execution costs precisely. Kraken's maker-taker fee model is publicly documented with clear volume tiers. No platform token is required to access competitive rates, and withdrawal fees are fixed and displayed upfront. For investors who prioritize fee transparency and scalable trading costs, Kraken's exchange-style pricing provides greater clarity.

Kraken 被廣泛認為是業內最安全的加密貨幣平台之一。自成立以來，Kraken 從未發生過導致客戶資金損失的洩露事件，這是其他交易所鮮能提出的聲明。客戶受惠於多層賬戶保護，包括帶通行金鑰的 2FA、PGP 電郵加密、帶範圍限制的精細 API 金鑰權限、可配置的賬戶超時設定、可疑活動的實時監控、提款白名單和主金鑰設定。

Kraken 於 2014 年率先推出儲備證明，並透過定期、可獨立驗證的審計，持續引領行業。此密碼學程序允許客戶隨時親自檢視其賬戶餘額如何由實際資產支援。Kraken 還持有 ISO/IEC 27001:2013 認證、符合 SOC 2 Type 2 審計，並營運一個強大的公開錯誤獎勵計劃。

Belo implements standard security measures including two-factor authentication, device verification and KYC procedures. The company is incorporated in the US (Delaware) with operations in Buenos Aires and has undergone seed-stage institutional investment. As a relatively young platform (founded 2020), Belo has a shorter operating history than established exchanges. Detailed information about custody arrangements, cold storage percentages, insurance coverage and third-party security audits is limited in public disclosures, which users may want to consider when evaluating the platform for significant holdings.

Belo provides basic security protections suitable for a payments-focused wallet. However, Kraken's security model operates at a fundamentally different depth and maturity. Since launching in 2011, Kraken has not reported a breach resulting in loss of client funds. Its Proof of Reserves audits, ISO/IEC 27001 and SOC 2 Type II certifications, and layered defense architecture provide institutional-grade assurance. For users managing significant crypto or fiat holdings, Kraken's established security track record and independently verifiable safeguards offer a higher level of confidence.

Kraken 以其快速響應和專業的客戶服務而聞名，提供多種支援渠道以滿足不同的用戶需求。客戶可以透過真人客服全天候 24 小時即時聊天，透過電郵提交請求，或（在特定情況下）直接透過電話與支援專員通話。

Kraken 的多語言支援團隊可以為超過十種語言的用戶提供協助。這有助於公司更有效地服務其全球客戶群。

該交易所還在客戶滿意度方面贏得了高分，並在 Customer Centricity World Series 中被評為「歐洲最佳 AI 客戶體驗應用獎」得主。其專注於清晰度、同理心和解決問題的速度，持續在競爭激烈的市場中區分 Kraken 的客戶體驗。

Belo provides support through in-app chat, email ([email protected]) and an online help center. The platform has strong user satisfaction with a 4.7/5 rating on Google Play. However, Belo does not currently offer live phone support or 24/7 live agent availability. Given its focus on cross-border payments where timing can be critical, users handling urgent international transfers may want to consider how support response times compare with platforms that offer around-the-clock live assistance.

Belo provides useful multi-currency fiat support for cross-border payments, but its crypto asset coverage is minimal compared to a global exchange. Kraken supports 500+ cryptocurrencies ranging from large-cap tokens to emerging altcoins, plus 10 fiat currencies (including ARS), 15 stablecoins, and access to 11,000+ stocks and ETFs in select regions. For investors who want comprehensive crypto market exposure alongside multi-asset investing, Kraken delivers far broader asset availability.

Belo and Kraken serve fundamentally different primary use cases. Belo excels as a digital wallet for freelancers and remote workers who need cross-border payment tools, multi-currency accounts and a convenient Mastercard for everyday spending in Latin America. Kraken operates as a global exchange ecosystem with 500+ cryptocurrencies, advanced trading infrastructure, staking, derivatives access in eligible regions and expanding multi-asset capabilities. For investors who prioritize crypto trading depth, global liquidity, transparent pricing and a security-first platform, Kraken is the more comprehensive and scalable choice.