Kraken 与 Paymium：这些加密货币交易所如何比较

When evaluating Kraken vs Paymium, investors compare one of France’s earliest Bitcoin platforms with a global crypto-first exchange that has significantly expanded its services. Paymium maintains a strong local focus within the French market. Kraken, originally launched as a cryptocurrency exchange, now offers staking, recurring purchases, diversified asset access, advanced trading tools, and additional investment products in select regions. In this article, we compare the platforms in terms of fees, supported assets, liquidity, trading features, security standards, and overall platform scope.

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。

Paymium is a France-based crypto exchange focused on euro-denominated trading, best known for being one of the longest-running Bitcoin platforms in Europe. The company describes itself as a Paris-based exchange operating since 2011. Paymium’s positioning is more traditional and compliance-oriented than global altcoin exchanges, with a focus on straightforward buying and selling rather than a large catalogue of speculative tokens. It can appeal to users who want a locally based provider and simple EUR rails for Bitcoin and a small set of other assets.

Although both exchanges have long histories in crypto, Kraken operates on a global scale that extends far beyond regional markets. Since 2011, it has maintained continuous service through multiple market cycles. Kraken’s security culture is central to its brand. With a clean security record, recurring Proof of Reserves audits and globally recognized compliance standards, the platform emphasizes asset protection and transparency. For clients seeking deep liquidity, advanced order types, staking capabilities and institutional-grade infrastructure within a globally regulated framework, Kraken’s scale and operational resilience provide a broader alternative.

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。

Paymium’s product set is built around simple spot buying and selling for a limited range of cryptocurrencies, with a strong emphasis on EUR funding via bank transfers. The platform is typically used as a gateway for acquiring Bitcoin with euros rather than as a full professional trading venue. Advanced features such as broad derivatives markets, complex order types across many pairs, and highly integrated staking or lending products are not the core focus. For many clients, Paymium’s appeal is its straightforward interface and its long-standing presence in the French market.

Paymium is known as a France-based platform with a more focused offering, often appealing to users who want straightforward EUR-to-crypto access and a local-market feel. However, its product scope is generally narrower than global platforms built for diverse trading styles. Kraken is more suitable for investors who want to expand beyond a limited product set. It offers a wider selection of assets, Kraken Pro for advanced trading, and access to margin and futures in eligible regions. On top of that, Kraken supports staking, recurring buys (DCA) and asset bundles, plus institutional-grade services—making it a more complete ecosystem for users who want both flexibility and depth.

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。

Paymium has a narrower selection of supported cryptocurrencies than global exchanges, with its offering historically centred on Bitcoin and a small number of additional assets. This limited catalogue can reduce complexity for users who primarily want BTC exposure, but it may not suit traders looking for hundreds of tokens, frequent new listings, or wide market-pair coverage. If asset breadth is a priority, users will usually find more options on large international exchanges with expansive listings.

Paymium’s focused asset selection may appeal to users who primarily want EUR-to-Bitcoin access. Kraken supports a significantly wider selection of over 500 cryptocurrencies, offering greater diversification opportunities. For investors looking to move beyond a Bitcoin-first strategy and explore a broader range of digital assets — alongside stock and ETF access in eligible regions — Kraken provides a more expansive ecosystem.

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。

Paymium’s fee model is designed around spot trading and can include maker/taker dynamics that reward liquidity provision. Depending on order type and volume, maker fees may be low and can even be negative in certain schedules, while taker fees apply for marketable orders. Users should compare total costs across payment methods and consider liquidity, as spreads and execution quality can have a meaningful impact when trading in less active markets.

Paymium’s pricing reflects its more focused, EUR-based trading environment, with maker and taker fees structured around its order book. Kraken’s globally competitive maker-taker model, combined with deeper liquidity and volume-based reductions, can offer lower effective costs for active traders. For users who value transparent tiering and derivatives pricing in eligible regions, Kraken provides a more scalable fee environment.

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。

Paymium operates as a France-based platform and emphasizes compliance within local regulatory frameworks. The platform supports standard account security features such as two-factor authentication and withdrawal protections. As with many euro-focused platforms, its custody and operational model is designed around EUR trading pairs and a more streamlined product offering compared to global exchanges.

Paymium operates within a French regulatory environment and provides standard account protections. Kraken’s differentiation lies in its global exchange infrastructure and its clean operational history since 2011. With Proof of Reserves audits, certified security standards and a layered defense model, Kraken delivers institutional-grade safeguards at scale. For investors who prioritize both regulatory clarity and exchange-level security architecture, Kraken offers broader protection depth.

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。

Paymium provides customer support channels aimed at a French and European user base, typically through online help resources and ticket-based contact. Service can be well suited for account setup and EUR funding questions, but may not mirror the 24/7, multi-channel support expectations of professional traders who operate across many markets and require rapid escalation.

Paymium’s focused asset selection may appeal to users who primarily want EUR-to-Bitcoin access. Kraken supports a significantly wider selection of over 500 cryptocurrencies, offering greater diversification opportunities. For investors looking to move beyond a Bitcoin-first strategy and explore a broader range of digital assets — alongside stock and ETF access in eligible regions — Kraken provides a more expansive ecosystem.

Paymium offers a focused, euro-based crypto experience that may appeal to users prioritizing simplicity and local access. Kraken operates on a global scale, supporting 500+ cryptocurrencies, advanced trading tools, staking and recurring purchases, alongside institutional-grade services. For investors who want broader diversification and deeper liquidity while maintaining strong security standards, Kraken provides a more expansive ecosystem.