Review ng Kraken 2026 — Fees, Security at Features
Tapat na Kraken review para sa 2026. Sinusubok namin ang fees (0.25%), security (zero hacks mula 2011), 200+ coins, futures, at EU compliance. Buong paghahambing sa loob.
Mabilis na Stats
Kraken is one of the oldest crypto exchanges still standing, with a reputation built on security — it has operated since 2011 without a major breach of customer funds. Fees run a touch higher than the cheapest rivals and the feature set is more conservative, which many beginners actually prefer. This review breaks down the fees, security, and trade-offs in plain terms.
✓ Founded
2011 in San Francisco by Jesse Powell; operated by Payward, Inc. Live spot trading began September 2013. One of three major US-headquartered exchanges still under original ownership (alongside Gemini).
✓ Funded Clients
13M+ funded clients as of Kraken's 2024 disclosures, up from ~9M in 2022 and ~6M in 2020. As of Q3 2025 Kraken ranks in the top 10 globally by spot volume on CoinGecko's trust score.
✓ Assets Listed
~240 spot assets across 400+ trading pairs as of Q3 2025, plus 350+ perpetual and fixed-maturity contracts on Kraken Futures. Smaller list than Binance (~350 spot) or Gate.io (1,400+) but broader than most US-regulated exchanges.
✓ Spot Fee (Pro)
0.25% taker / 0.16% maker at the base tier on Kraken Pro, falling to 0.10%/0.00% above $10M 30-day volume. Instant Buy carries a higher 0.9–1.5% spread plus fee — Pro is the cost-efficient venue.
Aming Hatol: 4.5 / 5
Ang Kraken ay isa sa mga pinakamatagal nang tumatakbong crypto exchanges na nag-ooperasyon pa rin sa ilalim ng orihinal na pagmamay-ari nito. Itinatag noong 2011 ni Jesse Powell sa San Francisco at pinapatakbo ng Payward, Inc., nagsimula ito ng live trading noong Setyembre 2013 at nakaligtas sa tatlong buong crypto cycles, ang pagbagsak ng Mt. Gox (Peb 2014), ang 2018 ICO bust, ang Mayo 2022 Luna implosion, at ang pagkabigo ng FTX noong Nobyembre 2022. Sa 2024 disclosures nito, iniulat ng Kraken ang 13M+ funded clients (mula sa ~9M noong 2022), at sa Q3 2025 ang produkto nito ay naglilista ng ~240 spot assets sa 400+ trading pairs, kasama ang 350+ derivatives contracts sa Kraken Futures.
Ang security record ay matibay ngunit hindi walang dungis. Ang Kraken ay hindi nakaranas ng nakumpirmang external breach na nagdulot ng permanenteng pagkawala ng customer funds, na naglalagay dito sa mas makitid na grupo kaysa Binance (ang Mayo 2019 hot-wallet theft ng 7,000 BTC). Gayunpaman noong Hunyo 2024 isang grupo ng researcher ang naghayag ng isolated balance-credit bug — pina-patch ito ng Kraken sa loob ng ilang oras, nabawi ang humigit-kumulang $3M sa ~$3M na nakuha ng naghahayag na partido, at naglathala ng post-mortem. Ang mga naunang isyu ay kinabibilangan ng 2017 margin-call cascade sa panahon ng matagal na outage at routine ngunit naayos na API/withdrawal disruptions. Ang tumpak na pagbabalangkas ay 'walang nakumpirmang loss-of-funds breach mula nang ilunsad noong 2013,' hindi 'zero hacks.'
Ang Kraken ay bagay sa mga user na nag-uuna ng regulatory transparency, custody discipline, at audited reserves kaysa sa pinakamababang fees o pinakamahabang asset list. Ito ay FinCEN-registered MSB sa US, humahawak ng money-transmitter licenses sa karamihan ng US states (Wyoming SPDI charter sa pamamagitan ng Kraken Bank pending), at nag-ooperasyon sa EU sa pamamagitan ng Payward Europe Solutions Ltd (Ireland) sa ilalim ng MiCA-transition arrangements kasunod ng full application ng MiCA noong 30 Disyembre 2024. Ang CySEC at MiFID II coverage nito ay nagpapahintulot ng regulated derivatives access para sa eligible EEA clients, na may retail leverage na naka-cap sa ilalim ng ESMA sa 2:1 para sa crypto CFDs kung saan naaangkop. Ang Pro fees na 0.16%/0.25% ay nasa itaas ng Binance (0.10%/0.10%) at Bybit (0.10%/0.10%) ngunit katumbas ng Bitstamp.
Mga Kalamangan at Kahinaan
✓ What We Like
Operating since September 2013 with no confirmed external breach causing permanent loss of customer funds — a record matched by very few peers. The June 2024 isolated balance-credit vulnerability was disclosed by CertiK researchers, patched within hours, and ~$3M was recovered (Kraken's June 2024 post-mortem). Proof-of-Reserves attestations are published roughly every six months using a Merkle-tree construction (audited historically by Armanino, more recently BDO). 95% of customer crypto sits in geographically distributed, air-gapped cold storage. Kraken has completed SOC 2 Type II examinations, holds a FinCEN MSB registration, CySEC authorisation in Cyprus, and MiFID II coverage for derivatives in the EEA.
✓ What Could Be Better
Spot fees of 0.25% taker / 0.16% maker on Kraken Pro are 2.5x Binance (0.10%) and Bybit (0.10%) at the base tier — a $10,000 market buy costs $25 on Kraken vs $10 on Binance. Asset coverage (~240) trails Binance (~350) and Gate.io (1,400+). No native copy-trading, options, or P2P fiat marketplace. US users lose access to staking-as-a-service (SEC settlement, Feb 2023, $30M penalty), margin, and tokens flagged in SEC complaints (SOL, ADA, MATIC at various points). The Kraken Bank Wyoming SPDI charter, granted September 2020, has yet to launch deposit accounts as of late 2025.
Kraken Fees: May Premium ang Seguridad
Ang fee structure ng Kraken ay sumasalamin sa institutional positioning nito. Sa 0.25% maker / 0.40% taker sa spot trades, ang fees ay nasa itaas ng industry average. Para sa paghahambing, naniningil ang Binance ng 0.10% at ang Bybit ng 0.10%. Gayunpaman, ang futures fees ng Kraken ay competitive sa 0.02% maker / 0.05% taker.
| Produkto | Maker Fee | Taker Fee |
|---|---|---|
| Spot Trading | 0.25% | 0.40% |
| Futures Trading | 0.02% | 0.05% |
| Margin Trading | 0.02% | 0.02% |
| SEPA Deposit | Free | Free |
| SEPA Instant | Free | Free |
| Card Deposit | 3.75% | — |
| Crypto Withdrawal | Varies | — |
Security: Ang Pinakaligtas na Exchange sa Crypto
Ang security ang tumutukoy na katangian ng Kraken at ang pangunahing dahilan kung bakit pinipili ito ng mga trader kaysa sa mas murang alternatibo. Walang ibang major exchange ang makakapag-angkin ng 13+ taong track record na may zero security breaches.
Operating Record Since 2013
Kraken began live spot trading in September 2013 and has operated continuously through the Mt. Gox failure (Feb 2014), the 2018 bear market, COVID-March 2020 liquidations, the May 2022 Luna collapse, and the FTX bankruptcy in November 2022. The platform has not suffered a confirmed external breach causing permanent loss of customer funds. The most notable security event was the June 2024 isolated balance-credit vulnerability — disclosed by CertiK researchers who extracted ~$3M, the bug was patched within a few hours, and roughly the full amount was recovered. Treat 'no confirmed loss-of-funds breach' as the accurate claim rather than the looser 'zero hacks' language sometimes repeated in marketing copy.
Proof-of-Reserves Attestations
Kraken publishes Proof-of-Reserves reports roughly every six months (not quarterly, as occasionally claimed). The construction uses a Merkle tree of hashed client balances, allowing each user to verify their own balance was included without exposing other users' data. Armanino performed early attestations; BDO has handled more recent rounds. PoR covers BTC, ETH, USDT, USDC and other major assets — coverage of long-tail tokens varies by report. PoR is a snapshot, not a real-time guarantee, and does not address liabilities not on the attesting auditor's scope, a limitation FTX exploited prior to its November 2022 collapse.
95% Cold Storage with Multi-Sig
Kraken states approximately 95% of customer crypto is held in geographically distributed, air-gapped cold storage with multi-signature controls and physical access restrictions. The remaining ~5% sits in hot wallets sized to cover normal daily withdrawal float. By comparison, Binance discloses cold-storage ratios in its Proof-of-Reserves attestations but does not publish a specific percentage; leading exchanges report 'the vast majority' in cold storage without a fixed figure. Kraken's approach traces back to lessons from Mt. Gox, where a single hot-wallet key compromise drained customer funds over an extended period before detection.
SOC 2 Type II and Regulatory Coverage
Kraken has completed SOC 2 Type II examinations covering security, availability, and confidentiality controls — one of relatively few crypto venues to do so (Gemini and Anchorage are among the others). Regulatory footprint as of late 2025: FinCEN MSB registration in the US, money-transmitter licenses across most US states, FCA registration in the UK (subject to the FCA's restricted promotions regime), CySEC authorisation in Cyprus, MiFID II coverage for derivatives in the EEA via Payward Europe, and ASIC registration in Australia. Following MiCA's full application on 30 December 2024, Kraken operates in the EU through transition arrangements while pursuing full MiCA authorisation. The Wyoming SPDI charter for Kraken Bank was granted in September 2020 but deposit accounts have not yet launched.
Mga Suportadong Cryptocurrency
Sinusuportahan ng Kraken ang humigit-kumulang 240 spot assets sa 400+ trading pairs sa 2025, isang mas maliit na uniberso kaysa Binance (~350 spot assets) o Gate.io (1,400+) ngunit mas malaki kaysa sa karamihan ng regulated US peers. Ang quote currencies ay kinabibilangan ng USD, EUR, GBP, CAD, AUD, CHF, JPY, USDT, USDC, at BTC, na nagbibigay sa Kraken ng mas malawak na fiat coverage kaysa sa karamihan ng kakumpitensya.
Komprehensibo ang major-cap coverage: ang BTC, ETH, SOL, XRP, ADA, DOGE, AVAX, DOT, LINK, MATIC, LTC, BCH, at TRX ay lahat nagta-trade na may malalim na order books at maraming fiat quote pairs. Ang Kraken ay isang maagang nag-list para sa ilang Layer-1s at nananatiling isa sa ilang malalaking venue na nag-aalok ng Monero (XMR) — bagaman ang XMR ay na-delist sa UK, EU, at Ireland bilang tugon sa lokal na regulatory pressure.
Ang coverage ng mas bagong narratives ay mas konserbatibo kaysa Binance o Bybit: ang Kraken ay karaniwang naglilista ng meme tokens at small-cap DeFi assets nang mas huli, pagkatapos ng liquidity at compliance review. Ang mga listing tulad ng POPCAT, WIF, at BONK ay dumating pagkatapos nilang naitatag na ang malalaking market caps, na nagbabawas ng user exposure sa sobrang manipis na maagang markets ngunit nangangahulugan din na bihirang ang platform ang una sa isang bagong trend.
Ang suporta sa stablecoin ay kinabibilangan ng USDT, USDC, DAI, PYUSD, at EURC. Kasunod ng pagkakabisa ng stablecoin provisions ng MiCA noong 30 Hunyo 2024, inayos ng Kraken ang EEA availability para sa non-MiCA-compliant na stablecoins; ang USDT trading para sa EEA users ay pinaghihigpitan alinsunod sa regulasyon, habang ang USDC (inisyu ng Circle, MiCA e-money authorized) ay nananatiling available.
Ang asset availability ay nag-iiba ayon sa hurisdiksyon. Ang US users ay nakakakita ng nabawasang listahan (walang privacy coins, walang ilang token na inuri bilang securities ng SEC tulad ng SOL, ADA, MATIC, at iba pa depende sa katayuan ng kaso). Ang EU users ay sumasailalim sa MiCA-related na restriksyon. Palaging tingnan ang kasalukuyang 'available in your region' filter sa asset directory ng Kraken bago ipagpalagay na ang isang pair ay maaaring i-trade mula sa iyong hurisdiksyon.
Mga Pangunahing Trading Feature
✓ Spot Trading
Buy and sell ~240 assets across 400+ pairs using limit, market, stop-loss, take-profit, trailing-stop, and iceberg order types. Kraken Pro integrates TradingView charting with custom indicators and saved layouts. Spot is available to verified users in 190+ countries; US-resident users see a reduced asset list and no access to certain tokens flagged by the SEC (SOL, ADA, MATIC at various points).
✓ Futures
Kraken Futures offers 350+ perpetual and fixed-maturity contracts. Maximum leverage is up to 50x on major pairs (BTC, ETH) for eligible non-EU clients. Under ESMA's product-intervention rules and MiCA (in force from 30 December 2024), retail leverage on crypto derivatives is significantly restricted in the EEA — eligible professional clients can access higher leverage via Kraken's MiFID II entity, but retail EEA users face caps similar to the 2:1 ESMA CFD framework. UK retail clients have been blocked from crypto derivatives since the FCA's January 2021 ban.
✓ Margin Trading
Spot margin offers up to 5x leverage on selected pairs in cross or isolated mode. Margin is not available to US retail clients (CFTC settlement, September 2021, $1.25M penalty for offering margin without registration). Eligibility depends on residency and verification tier. Rollover fees apply every 4 hours, typically 0.01–0.02% of position notional depending on the asset.
✓ Staking
On-chain staking is offered for ETH, SOL, DOT, ADA, ATOM, and others. Following the SEC settlement of February 2023 ($30M penalty), Kraken's pooled staking-as-a-service product is unavailable to US clients. Non-US users earn variable on-chain yields (e.g. ~3% for ETH post-Pectra upgrade in 2025, ~5–7% for SOL, ~10–15% for DOT) less Kraken's commission. Unstaking periods follow protocol rules — ETH unstake can take days depending on the validator exit queue.
✓ Kraken Pro Terminal
Web and desktop terminal with full order-book depth, conditional orders, advanced charting, and customisable multi-monitor layouts. Free to use — fees follow the Pro maker/taker schedule (0.16%/0.25% base) rather than the Instant Buy spread of 0.9–1.5%. For any user trading more than a few hundred dollars per month, Pro is materially cheaper than the simple buy interface.
✓ Wrapped Bitcoin (kBTC) and Ink L2
In late 2024 Kraken launched kBTC, a wrapped BTC asset on Ethereum and OP Mainnet, with reserves attested by Kraken. In early 2025 it launched Ink, an Optimism-stack L2 that went live on mainnet, targeting DeFi applications with Kraken as the sequencer operator. These extend Kraken's product surface beyond centralised exchange services into onchain infrastructure — a path others took earlier with Base (mainnet August 2023).
Frequently Asked Questions
Ligtas bang gamitin ang Kraken?
Ano ang fees ng Kraken?
Regulated ba ang Kraken sa Europe?
Ilang coins ang sinusuportahan ng Kraken?
Dapat ko bang gamitin ang Kraken o Binance?
When is it worth switching from the Kraken consumer interface to Kraken Pro for fee savings?
Is Kraken safe to hold funds on in 2026? Cold-storage and audit posture review.
Derivatives at Leveraged Products — Mahalagang Babala sa Risk
Ang derivatives ay mga kumplikadong financial instrument na may mataas na risk ng mabilis na pagkawala ng kapital. Ang leveraged trading (futures, perpetual contracts, margin trading, options) ay maaaring magresulta sa mga pagkalugi na lumalampas sa iyong paunang investment. Karamihan sa mga retail investor account ay nalulugi kapag nag-trade ng derivatives.
Dapat mong maingat na isaalang-alang kung naiintindihan mo kung paano gumagana ang derivatives at kung kaya mong harapin ang mataas na risk ng pagkawala ng iyong pera. Ang nilalamang ito ay para sa layuning pang-edukasyon lamang at hindi bumubuo ng financial advice, investment advice, o rekomendasyong mag-trade ng derivatives.
Sa European Union, ang crypto derivatives ay inuuri bilang financial instruments sa ilalim ng MiFID II. Tanging ang mga platform na may naaangkop na MiFID II authorization ang maaaring mag-alok ng mga produktong ito sa mga residente ng EU. Nag-iiba-iba ang regulatory treatment ayon sa hurisdiksyon — i-verify ang legal status ng derivatives trading sa iyong bansa bago lumahok.
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