COMPARATOR / AX-03 / AP-FS-01
Harbour
COMPARATOR FILE
A complete ten-for-ten record and the closest all-round profile to Baerx, at a higher explicit cost.
Comparator · AX-03
ACCESSEEA retail accounts · EUR pairs
PAIRBTC/EUR · €2,000 per sequence
01 / STUDY IDENTITY
Who was measured, and on what route.
Identity details are recorded for replicability. They are not a solvency opinion, a product endorsement or a statement about every customer’s experience.
- Legal or operating entity
- Harbour Digital Markets DAC
- Jurisdiction
- Ireland · bank-backed operating entity
- Registration or authorisation
- Irish company; EU CASP authorisation held by the operating entity
- Account access tested
- EEA retail accounts · EUR pairs
- Traded pair
- BTC/EUR
- Withdrawal route
- SEPA Instant
- Fee model at the tested tier
- 0.12% maker / 0.18% taker at the tested tier; €1.50 SEPA withdrawal
- Post-trade statement
- Itemised; monthly statement available as PDF only
02 / ENDPOINTS
Six measurements, one sequence.
The median is reported with its interquartile range and the number of contributing observations. The rank is within the five-venue panel. For comparators, the final column repeats the paired difference from the study report: Baerx minus this venue.
| Endpoint | Median | IQR | n | Rank | Baerx − Harbour |
|---|---|---|---|---|---|
| Onboardinglower is better | 28.0 min | 26.3 min – 30.0 min | 4 | 03 | −11.0 min[−11.0 min, −10.0 min] · n=4 |
| Round-trip costlower is better | 23.8 bps | 23.0 bps – 24.6 bps | 10 | 03 | −3.1 bps[−3.5 bps, −2.8 bps] · n=10 |
| Fill latencylower is better | 196 ms | 183 ms – 209 ms | 10 | 03 | −24 ms[−26 ms, −20 ms] · n=10 |
| Withdrawallower is better | 20.5 min | 16.5 min – 26.3 min | 10 | 02 | −7.5 min[−9.0 min, −5.0 min] · n=10 |
| Supportlower is better | 67.0 min | 59.0 min – 76.3 min | 10 | 02 | −23.5 min[−25.0 min, −13.0 min] · n=10 |
| Statementhigher is better | 8.80 / 10 | 8.63 / 10 – 8.97 / 10 | 10 | 02 | +0.65[+0.55, +0.70] · n=10 |
A censored case is excluded from the median but retained in the completion count. An interval crossing zero is compatible with no difference at this sample size.
03 / FINDINGS
What the record shows.
All ten sequences completed. Median withdrawal settlement was 20.5 minutes and median support first response was 67 minutes.
Median round-trip cost was 23.75 bps; median submit-to-fill latency was 195.5 ms.
Median statement completeness was 8.8 out of 10. The statement itemised cost correctly but exported only as PDF.
Median onboarding time for new accounts was 28 minutes.
04 / BOUNDARIES
Where the file stops.
A complete record in this sample does not establish the absence of operational incidents outside the window.
The PDF-only statement is a usability finding, not evidence that the underlying data are incomplete.
The venue's bank backing was not audited; the study tested the retail withdrawal route only.
06 / NEXT
Compare the file with the other four.
The venue files are written from the same observation table. No file adjusts another venue’s numbers, and no file adds a score that the study report does not publish.