幣安 Binance vs 火幣 HTX — 手續費與條件比較

幣安 Binance — Regular User tier (below VIP 1). No BNB discount applied. Spot: official trading fee page; futures: USDⓈ-M futures fee page. Withdrawal fees (2026-09-15, public capital config endpoint): BTC 0.00002 BTC on the Bitcoin network (Lightning 0.000001, BSC 0.00000029); USDT 1.5 USDT on TRC20 (cheapest: BSC 0.01). listed_coins = 492 distinct base assets with TRADING status on spot (api/v3/exchangeInfo, 2026-09-15); homepage markets "over 600 cryptocurrencies". Max leverage 125x on USDT-M perpetuals (BTCUSDT), tier-dependent; new accounts capped at 20x for 30 days. active_users_claimed updated to homepage "over 320 million registered users" (previous 250M was Jan 2025 figure). [Withdrawal fees checked 2026-10-28 via public API: BTC 0.00002 BTC on BTC (cheapest: BSC 2.8e-7); USDT 1.5 USDT on TRX (cheapest: BSC 0.01). The exchange adjusts them with network conditions.]

火幣 HTX — Prime0 tier (base level). No HTX-token discount applied. Official fee rate page. Withdrawal fees from HTX's public reference API (fixed fee type): BTC on the native BTC chain, USDT on TRC20 (ERC20 0.3, BEP20 0.01 at the same snapshot). native_token_fee_discount_pct = 25% on spot/margin when HTX-token (formerly HT) deduction is enabled; futures deduction is 10%. futures_max_leverage = 200x on BTC/ETH USDT-margined contracts. insurance_fund = HTX Security Reserve (20,000 BTC, platform-owned). listed_coins from the official homepage title ("BTC, ETH, XRP, and 600+ Altcoins"). active_users_claimed = "50 million registered users" per HTX Square (Jan 2025). hq = Seychelles: the privacy policy / user agreement state the operator is incorporated in the Republic of Seychelles (page is JS-rendered — via search excerpt); no city is named. [Withdrawal fees checked 2026-10-28 via public API: BTC 0.00005 BTC on BTC (cheapest: TRC20 0.00001); USDT 0.5 USDT on TRC20 (cheapest: BEP20 0.01). The exchange adjusts them with network conditions.]