Savings · Brokerage & IRA · Crypto exchanges · Wallets

Choose where your money lives,
by the evidence.

Head-to-head comparisons of crypto exchanges, wallets, savings accounts and brokerages — scored on sourced facts, with the math shown.

Sourced, not sponsoredEvery score links to its source; no one pays to rank higher.
Your priorities, your scoreYou set what matters; we weigh it.
Safety firstPlatforms where customers lost money can't be our top pick.

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How scoring works

Scores you can check

Every criterion gets 0–10 from evidence and links to its source. Your slider weights are normalized to 100% and the formula is shown under "Show math". Missing data says not found, is excluded, and is reported as coverage; under 50% coverage can't be the pick. If the top two are within 3 points we say Too close to call.

Where the data comes from

seed curated, dated dataset (official pages, regulators, flagged third-party sites ⚑). For crypto we add live independent reviews and ai analysis that must quote its source word for word; those scores are computed weekly (median of 3 runs) so results don't change run to run. Savings and brokerages use curated data only.

Regulatory record (all categories)

Major enforcement in the last 5 years (criminal pleas, consent orders with consumer redress, or large settlements) costs −2; smaller actions −1; dismissed cases 0. Each shows as an amber note. An active consent order with consumer restitution in the last 48 months gets an amber warning.

Crypto hack rule

If customer funds were stolen or lost in the last 48 months and customers weren't fully reimbursed (unknown counts as not repaid), the platform gets a red warning, is capped at 60%, and can't be the pick. Hacks where customers were made whole get an amber note.

Rates change often

APYs and broker pricing move. Every value shows its as-of date, we re-check APYs weekly against official pages, and promo rates are shown but only scored if you opt in. Always verify on the bank's or broker's site.

⚠️ Not investment or financial advice. VaultRubric compares platforms (fees, rates, security and regulatory record, features), not investments. Crypto is volatile and risky; savings rates and broker pricing change often. Do your own research and check details on the provider’s official site. Affiliate disclosure: some links may be affiliate links, and we may earn a commission at no cost to you. This never changes scores, which are computed only from cited evidence and your weights.