Your crypto, their rules. Exchanges can freeze your assets, restrict withdrawals, and close accounts with minimal notice. I analyze the gotcha clauses that matter when your money is on the line.
Side-by-side comparison of consumer fairness scores across major U.S. cryptocurrency exchanges.
| Exchange | Score | Grade | Key Gotcha | |
|---|---|---|---|---|
|
K
Kraken
Best in Category
|
58 | C+ | 14-day withdrawal delays possible | View Review → |
|
G
Gemini
|
50 | C | Arbitration with class action waiver | View Review → |
|
C
Coinbase
|
45 | C- | Account closures with 30-day fund holds | View Review → |
|
B
Binance.US
Lowest in Category
|
40 | C- | Regulatory uncertainty, withdrawal limits | View Review → |
All exchanges can freeze your assets during "investigations" with no defined timeline. Legal holds can last months or years.
Unlike traditional banks, crypto held on exchanges is generally not insured. If the exchange fails, your funds may be lost.
All reviewed exchanges require binding arbitration. You cannot sue in court or join class actions, even for widespread issues.
Exchanges can limit withdrawals based on "suspicious activity" determined by their own risk models without explanation.
Click through for complete analysis of each exchange's terms of service.
If your account has been frozen, funds held, or access restricted without explanation, we have resources to help you understand your rights and take action.
Need help understanding your rights or resolving a platform dispute?