>I'm looking for something above 20% APY for either stable coins or other tokens.

Stables

Last updated: 210916

BTC + ETH

Last updated: 210916

Best from a risk-reward perspective is Anchor protocol on Terra. It has over 2B UST (a 6B marketcap stablecoin), all getting more than 18% APY.

You can also try a few other projects for a bit more yield, but make sure to stick to stablecoins on bigger chains and projects (just avoid Ethereum network). Some 1B+ projects with higher rates are Beefy.finance (multichain, Avalanche and Celo networks have highest rates right now), (multichain) and (on Solana), but I recommend keeping most of it in Anchor for safety.

Feel free to ask if you have any questions!

For Defi

Polygon - Gravity Finance USDC/DAI, Quickswap USDC/DAI

Celo - Sushiswap cUSD/DAI

Fantom - Scream DAI vault or USDC vault

As you can see I try to stay away from USDT, but you can often find higher yields if you are ok with it.

Some of these can be auto-compounded by depositing your LP tokens in Beefy Finance instead of directly in the farming contracts. Beefy Finance can also be good for looking at what's available on different chains, even if you don't use it.

I wouldn't bother with CeFi for stable coins, but if you do Cefi then I wouldn't put everything in Celsius. Split it up between Celsius, Nexo, Blockfi, etc.

It has to be your views, it is your post! anyone who is looking for a methodology should go do their own research and write their own thesis! Life does have to be so hard! We have sense to observe and be informed. The first few line makes it clear it was not a science project. It does not make anyone one a genius to repeat the bleeding obvious.

Personally I thank you for sharing your experience. I too have dabbled in Fantom, Algorand, Terra, BSC, Polygon and my favourite all round is Osmosis. Next is Terra (but I find it very expensive to pay 25 cents to $1 each time you claim, approve etc compared to the rest) I will take a look a $Celo, $Sol, and $One

There are 3 crypto assets and 3 potential changes on my radar for the DeFi space.

ETH - Ethereum is dominating the DeFi and NFT space but still hasn't reached its real value IMO. Scalability is a great challenge for Ethereum but I think it will handle it by L2's and PoS. So, I'm expecting spectacular growth for the Ethereum ecosystem

CELO - Celo is aiming for the mobile experience for DeFi users. Also, Optics has an impressive ability to bring other blockchains together. I guess Celo will be the most important asset that would make a ground-shaking effect with its growing ecosystem. Monitoring the platforms like Ubeswap or Valorant might give amazing opportunities.

FLOW - Flow has big targets like steal the Opensea and Rarible from the Ethereum chain. It can change everything in the NFT space. Also, they have crazy partnerships with institutional investors and celebrities. NBATopshot was the first example. Genies might be the second one.

I went with Celo.

I live n NY. So my only two good fiat on-ramps are Coinbase and Gemini.

I buy Celo on Coinbase. Send to Celo Metamask wallet. All for very low fees.

From there I use Ubeswap and Sushiswap(celo)

Gas fees are very tiny.

Sushiswap is my favorite. I am farming. WETH, cEUR, for SUSHI , CELO

I like the Ubeswap farm. mcUSD, mcEUR for CELO, Moo, and UBE

The Fantom network has some pretty nice APYs. Beefy finance has single asset stable pools paying 30-40%. I've also heard of this network called Celo. They have a dapp called Ubeswap run by I think one of the major players in Solana and they offer 50-60% on stable pools. I think their biggest one is USD/EUR. But definitely dyor

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I'm trying to find coin pair correlations and the tool on cryptowatch seems like it should be good, but it shows a very weak correlation between USDT and USDC. Anybody know why this would be, or have a good resource that shows correlations?

Try Tezos, there is quite a large section of it dedicated to NFTs here. Also, the gas costs overall are insanely cheap in comparison to ETH, even at Layer 2

I also like Tezos blockchain for its low fees and low energy usage overall. Is an LPoS system so you can stake to a delegate and collect returns, there are a number of different projects you can see in the works as seen here. There are a few good farms giving good yield right now, with some more getting online soon. Best part of all its going for about 6 USD rn, and each approval costs about 0.01 USD, so far think I've used maybe 0.1Tezos for fees total.

Best of all imo, Coinbase has/had one of their educational Earn programs with Tezos awhile back, so I spent none of my own capital to get started there. So give it a shot if you can

Nice table. Good question about Celo, I'm surprised to see the TVL so high for them as I've never heard of anyone developing on it or using it!

I'd question whether Matic really an L1? The chain Commits to Ethereum mainnet, so while it's not inheriting the full security like a rollups it is still using mainnet:

What is the need for this? The APYs in the Celo ecosystem are very good. Ubeswap rewards have been updated. Sushi rewards are getting more attention every day. TVL surpassed 1B again. Already the best.

Ramp finance on bsc and polygon. Celo ecosystem has >40% on stables right now. Tarot on fantom has >50% on their leveraged usdt/busd pool. I would consider these as the next level down from aave in terms of risk.

Universities, yes. Some already have those in place around blockchain. Web3, most definitely. DeFi and other crypto finance, maybe in the future. Also, some universities provide online courses via coursera, edX, Udacity, etc. E.g. https://www.coursera.org/specializations/blockchain or https://www.udacity.com/course/blockchain-developer-nanodegree--nd1309

I use almost any blockchain I need from Ethereum to Matic, Cosmos ecosystem and the chains within, BSC, The L2s (Op, arb, zksync), dfinity(internet computer), Celo, Harmony one, Hedera, and most recently Aptos too.

Funnily, the only project that brings me to Ethereum recently is OCEAN. I use Cosmos the most in terms of volume.

I have been buying the dips, its possible BTC could drop to the $15-$17k range, at this stage of the bear market we are at or close to the bottom, you can buy in at any time, then question then is how long do you have to wait until you get back into profit if it dips after you buy in. But I have definitely been in profit. over the last 4 months at least.

So I have been buying and staking in what I think will survive the bear market, im a fan of L1 and L2s.

• Fantom has been in slump but it wont last long, I do like beethoven, specifically Deus (another Dei, another dollar) and have been staking Geist (small position but its fun) I like the high APY and some of the payout out in geist stablecoins which has been more than I expected in this market.
• I also like GMX (GLP) on arbitrum but I hear Gains is an up and comer, same concept.
  
• Near, specifically REF has been good. REF-NEAR seem to follow each other closely so the IL has been minimal, the apy is great and they pay APYin an interesting mix of tokens.
• Of course there is Beefy, they are really active and keep adding.
• Curve just added KAVA chain so their 3pool is paying %14 which is sweet and it already has $13m in the pool.
• I am a big fan of HBAR and there is new farm Sauce which has excellent APYs. I am in HBAR-USDC at %71. If you believe in Aurora or Celo chains, the Aurora-NEAR and Celo-NEAR the APYs are great.%34 and %36 or the stable coin pair of
• COSMO has been been doing very well, I am still up %30 - %40 on ATOM-OSMO and its just getting going., Injective recently hooked in to the chain. I did the superfluid staking (osmo-atom) with the 14 day apy. This is a blessing and a curse, I have been tempted to sell but who knows where things will be after the 14 day lock is up. But its kept me in, its one of the longest holds I have. OSMO-ATOM was the first superfluid but they added others stablecoins, BTC, WETH with OSMO at much higher APY.

Nansen's Smart Money labels (Definitions here) track the savviest traders & yield farmers, which can be useful in this case. Do check out our YouTube Office Hours, in case you haven't yet! Such as this one "Use Nansen to Discover New DeFi & NFT Opportunities"

There is an article on their Wiki explaining how they achieve these numbers :

https://www.notion.so/How-Midas-Investments-achieves-the-highest-APY-on-the-custodial-market-21c15bd5ca07448a84aea9e4b890e2a7

In all likelyhood, it is not a scam. They've been around for a while and seem to have been mostly focusing on product development instead of marketing. I personally think that the advertised APYs are based on future projections more than actual results, which means that there is a risk of them going bankrupt, or at the very least, lowering their returns in the long term if their projections do not work out.

Anyway, it's hard to find good reviews or testimonies about them so this is just my best guess. If you ever find out more about them, I'd like to know too.

This is probably a good place to start: https://www.notion.so/bankless/Bankless-DAO-82ba81e7da1c42adb7c4ab67a4f22e8f

To be a full member you need to hold 35,000 BANK, but you don't need to buy it, if you join you can get a Guest Pass and then earn the token by contributing. There's lots of projects to help out with, from developing relationships with other DAOs to creating the Bankless Academy guides. Guest passes stay valid for a week, but as long as you're participating they can be renewed indefinitely (well until you've earnt your way to 35,000 BANK).

Like I said though, it's pretty intimidating trying to find your way around, look out for 'The First Quest' when you join the server as it will guide you through a little bit.

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You're right as the networks covered includes BSC, Polygon, Fantom, Avalanche, Rinkeby, Optimism, Moonbeam, Moonriver, Celo, etc, which are mostly EVM compatible chain used by over 1,000 DAOs created through the DAO creator.

That's some massive integration for Railgun DAO to be available on Ethereum, Polygon and BSC as well as the team still planning on integration Solana and Polkadot which is kinda similar to the massive integration of DAO creator - XDAO, that is available for building DAOs on several blockchain networks including Ethereum, BSC, Polygon, Fantom, Moonbeam, Moonriver, Celo, Rinkeby, Optimism, Avalanche, Aurora, Metis, etc.

You've got no fee to pay to create your DAO on the DAO creator which takes just few seconds to create your DAO community on any of the supported chains which include Ethereum, BSC, Polygon, Fantom, Moonbeam, Moonriver, Celo, Rinkeby, Optimism, Avalanche, Aurora, Metis and several other chains.

First time of hearing about SecretDAO and its good to see that it's also a DAO creator just like XDAO even though it's more about DAO on Secret Network unlike XDAO that is available on over 20 different chains including Ethereum, BSC, Polygon, Fantom, Moonbeam, Moonriver, Celo, etc.

In my case, I don’t have much time to analyze the market myself, so I use an app that tells me which projects seem good enough.

I use SupraFin (Android and iOS versions respectively), which tells you what coins would be good to add to your portfolio. Then, I make a little research on my own about that coin and see whether I should invest in it or not. It saves me a lot of time, so it’s been a great help for me.

As for communication apps, I mainly use Discord. Though it’s somewhat tough to find an open-minded server. It took me some time, but I’ve found servers with good people that are very easy to talk to and are pretty helpful.

Good luck!

I would say look out for DeFi projects with some level of backing from major L1 blockchains and top crypto projects. It’s much less likely to get rugged in that fashion. I'm currently researching Celo ecosystem, seems to be getting a lot of attention recently with upcoming DeFi concepts

Yes, way too complicated. Think the biggest winners in the next 1-3 years is gonna be protocols which have easy on-ramp (Kado.money), real world use cases (UST usage in Travala, Chai or something like Celo) and simple UI to onboard the next 1B non-crypto native users.

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Celo has a wallet partner called Valora that offers higher APY then Anchor. In a non bonded environment. Meaning your stablecoin are not locked. Yet you get paid weekly on your coin balances autocratic. It’s not CeFi. It’s your keys. Your limited to 1k euro and 1 k USD for rewards. There is no impermanent losses. Defi LP tokens requires checking on pool or setting alerts in some cases. Money maker, haha you are the money, so be careful.

Love Celo lately:) esp now with this crash I’m glad I invested in stable pools with up to 40% paid out in Celo on Mobius.money. Celo already in top 100 and think they still can grow substantially. Once you get there, you will see many other opportunities such as dahlia.finance or moola.market (up to 17-19% on ceur or Cusd paid out in stables). Often you have high % but you get paid out in a different token that continues to dive. Midas.investment gives up to 19% and no kyc needed. Neither for above. Any ethereum related rewards, doesn’t help only if you can invest over 10k and not eating up profit. I still have 300$ was once 700$ stuck as it would cost me up to 250$ to unravel the LP and then exchange (FARM) they inactivated the pool I was in after 2 months .. so

My favorite so far is PoolTogether on Celo. Currently pays 15/17% on cUSD and cEUR plus you can win 30/50 CELO every week. I mean, probably there's more degen stuff to do but I feel safe there and it's definitely paying off. I also do Anchor on Terra with UST but that's different and I wouldn't say it's 100% secure. NOT FINANCIAL ADVICE. DYOR.

Find a low fee chain you can get on from your CEX like Celo, Harmony, Near, or Fantom. And then hit up defillama for the big projects on your chain to learn about and try out. Sushiswap and AAVE are cool projects to start learning from and are on a number of or have equivalents on a lot of chains.

you can get 50% APY on cUSD (USD stablecoin on celo) or cEUR (EUR stablecoin on celo) using the Valora wallet

Do you know how long the celo rewards on mobius will last? Just went on the discord and no one knows. Its important to know since you have to lock your mobius for at least one year.

Also, it seems that the rewards are at the whim of the celo foundation. "Celo rewards are temporarily paused" keeps popping up in the discord 😃

Merp i still don't think you have connected all the dots my fren <3 You should definitely check out this sit down hosted by FTM Alerts with a few of the leading ohm forks on fantom... some leading more than others ;) Anywho some big brains break things down pretty well ... I think you should have a listen <3 Try not to swoon over hovohs voice if ya listen ;) lol Here be the link ~= https://www.buzzsprout.com/1851524/9775643 =~

Knowledge is power my friend <3 For The Monolith merp ~<3

Merp <3 You should check out this sit down hosted by FTM Alerts with a few of the leading ohm forks on fantom... some leading more than others ;) Anywho some big brains break things down pretty well ... I think you should have a listen <3 Try not to swoon over hovohs voice if ya listen ;) lol Here be the link ~= https://www.buzzsprout.com/1851524/9775643 =~

For The Monolith merp ~<3

Can you write code? If so, or if you want to learn some basics, (there's an asymmetric rewards/risk payoff learning from this task), it isn't complex to wire up an Airtable to account your aggregate inventory (fetch calls against block explorers), pull exchange rates (with an additional fetch), and do the math. See the examples in the Developer Documentation.

PINNATA is actually a leveraged yield farming protocol that offers yield farmers access to leverage when providing liquidity to a decentralized exchange on Celo.

DIA helps to provides reliable and transparent price feeds to Pinnata's yield mechanism.

Always start with research, not just off my word. I first came across Celo on coinbase and went from there researching it.

Here's a few links to look at

Celo is CGLD, they also have cusd, ceur and now creal. Anyways there are many different ways to earn. Liquidity dangerous, staking 5%apy, moola market for borrowing funds and also great for dips or rises. I can make lots of cash even on crashes, risky business again and lots of timing and watching charts. Anyways I've locked like 85000 mobius money coins to earn 50 celo a week. My rate is slowly going down as more people figure this out :( life tho. I only expect big things in the future.

Celo is where it's at! Fees are less than $.001 and you can still access Sushiswap. They have a cool initiative right now too.

Here's an infographic that showcases the ecosystem a little bit more.

Solana is basically free, the transactions are less than a cent of a dollar. It's a top ten coin and the DeFi ecosystem is very established.

Same thing for Celo, almost no fee, we're talking about let than a cent here as well. The DeFi ecosystem is less developed than Solana, but they have all the basic tools: money market (Moola), Dexes (Ubeswap and Sushi), Autocompounders (Autofarm and Beefy) and a Curve-like stable pool platform with Mobius.

Algorand is another good one, but the DeFi ecosystem is almost non-existent for now. Hopefully it's just a matter of time.

You have Mobius on Celo network for 30% on a BTC pair, heard about it from someone. I haven't tried it and am probably not gonna do it because I don't even know what Celo is and it sounds too risky for my appetite but you can look into it

Would highly recommend How to DeFi for anyone interested in diving further into the principals outline by OP. Pretty easy read and gives a great understanding with real world examples of multiple DeFi uses.

Which chain? Have you tried other non-Eth chains? Sol/avax/luna/Celo just to name a few. 3k is not a lot and Eth will not make sense. Matic, maybe If you can catch a low-gas for the transfer fees.

If this is your first time playing with Defi- I’d go non-Eth.

I follow a few DeFi youtubers and twitter handles, haven't seen anyone comment anything on Celo. I don't think we have seen any post here either. IMO at least someone would comment if something is lucrative.

If I were to guess Cronos could be one of those due to the insane budget they have. One doesn't seem like they are all that much interested, could be wrong though. FTM is nowhere near done, it's currently very undervalued for the dapps and TVL it has. Celo has announced their incentive program, yet to see any hype around it.

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Of course you can put 100% of your $-value in some stable coin liquidity pool for better revenue. I just saw a pool that gives around 60% APY on the Celo blockchain. As I said you will lose 25% of capital power.

So maybe use AAVE as a kind of "parking space" for your money before you know better things to do with it. With opening a leveraged position, as I showed somewhere else in this answer thread you can reach high yields without any risk while you sit on the moeny. And when you find a better way to put your money to work then close the position on AAVE and open another one.

Avalanche is not much cheaper than eth lately. Still cheap chains with low gas fees are Polygon, Fantom and Harmony. True L2 are fine too, but cost is mostly around 3-5 USD per tx. There is also couple of new kids on the block, like Celo and Moonriver, but i personally chose not to use them. They are mostly marketing driven, not much innovation which makes me hard to trust them.

And Solana, but it's is not EVM compatible and Metamask will not work with it. But its cheap with some good dApps.

there's too many to choose from. My list consists of Algo, Celo, Kava, Tezos, XRP, Kava Lend (Hard protocol, Alliance block, Wanchain, Songbird, ZooKeeper.

2021 was the year of meme coins but with all the recent meta-verse discussion, it seems like 2022 will be the year of the meta related coins in gaming, NFT etc. You've already had stuff like Axie Infinity doing a 75,000% in 1 year.

This was one of the reason that propelled me to reshuffle my portfolio and move towards some of the chains like Tezos, ZooKeeper etc.

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Definitely doesn't sound OK, though the most I've heard is them asking for phone numbers or email addresses, not social security numbers or anything of the sort :/

We at DeFi Saver have no KYC of any kind nor do we have plans to put any in place. Perhaps an optional email tied to your Ethereum account for optional notifications, but that's about it. It's an app for interacting with decentralized finance protocols on Ethereum, there's really no need for KYC.

Don't want to be pushy or anything like that, but you can also take a look at other mobile wallets/dapp browser options such as Status.im, Opera, imToken, Trust Wallet or MetaMask Mobile. Most dapps are well optimized for mobile use (ours sure is) and you can always load your wallet seed phrase into a desktop wallet interface.

Or you can use MetaMask Mobile + MetaMask in your desktop browser, or Opera on both mobile and desktop, as these options sync great across devices and allow for quick and easy login when needed.

Anchor has UST about 20% Apr. RAMP has rusd single staking around 12% and rusd/busd LP around 35% last I checked Celo has cusd earning without staking even

There are a lot more protocols but these are the ones I'm actively using

I can speak for Algo there is a bridge to Ethereum on Algorand's Yieldly https://app.yieldly.finance/bridge

$Celo you can get on Coinbase. For $Matic buy on any CEX and send to your wallet (like metamask) connect to DEX, once there you can swap for anything else. I use this method for Cosmos, Terra, Polygon and Fantom

Celo has an eth bridge, One has a bridge from eth and bsc (currently testing a btc bridge too). I try to avoid eth as I dont want to pay gas so usually I just send money back to binance and withdraw to celo, one or algo. Binance withdrawals are very cheap for all 3 of those chains.

https://www.amazon.com/What-DeFi-Guide-Hex-Complete/dp/B09CBTLQ8L/ref=mp_s_a_1_8?crid=36UWPYZR1XJDN&amp;dchild=1&amp;keywords=defi&amp;qid=1635746045&amp;qsid=131-3001685-9491411&amp;sprefix=defi%2Caps%2C273&amp;sr=8-8&amp;sres=1119836018%2CB098GT...

U would also have the same problem when moving your monies out too

Tbh im a noob and a smalltime defier, i have big aspirations but i am very risk adverse and penny concious

I am dabbling on two networks atm

Celo and terra… gas fees are literally cents .. if that

Anchor on terra is a nice stead 19.5% with stable coins so minimal Risk of loss imo

I only have a small holding there less than €100 but it’s been in there a month and im Happy with the platform and how i would exit it

Same with mobius on terra, im still learning and am sure im doing things wrong or theres a better way but i feel like im winning so that works for me

Incidentally i also believe that both terra and celo will be big players down the line especially if eth doesnt sort its shit out

Just my opinion

&#x200B;

I am probably wrong, this is my opinion.

I think it is better then CeFi platforms.

I have complete, almost instant control.

I can go were the market is. Gas fees on Celo network are tiny.

I am in the sushiswap (celo) pool. WETH-uEUR reward SUSHI, CELO

I don't see the downside.

If the value of ETH goes down, it doesn't matter were you have it invested.

I also don't see the value of using loans to invest. I think it adds more risk, fees, and complexity.

When you have ETH deposited as collateral, then take a 50-80% loan against it, when the value of the collateral goes down the cost of the loan goes up. So you end up losing value and spending more.

Also the interest you are making on the loaned coins is smaller then you can make on ETH pairing with almost any stable coin.

Even children also see what you said. What you said is the past and present , but it doesn'tmake sure in the future. Just look at BSC . What was its TVL 2 years ago? And now what is it? Other chains may be too. Amount of Ethereum blockchain users is decreasing. That's undeniable true. You're also Etherum maximalist. As you said , other chains now are superior. Have you ever heard about Internet of blockchains? Yes that's Cosmos. Have you ever heard self-amendment auto upgrade on chain? Yes that's Tezos and many more seems superior to Ethereum. In my opinion Ethereum is really shjt now comepare to Algorand, Cosmos, Tezos, Celo.. and many more :))).

https://www.amazon.com/How-DeFi-Beginner-Coin-Gecko/dp/B098GT2PSG/ref=mp_s_a_1_1?dchild=1&amp;keywords=how+to+defi&amp;qid=1631248971&amp;sr=8-1

And

https://www.amazon.com/How-DeFi-Advanced-Coin-Gecko/dp/B098H215P3/ref=mp_s_a_1_2?dchild=1&amp;keywords=how+to+defi&amp;qid=1631249065&amp;sr=8-2

I found them helpful. I am in no way related to the authors or Amazon.

Celo protocol supports Ethereum-compatible transactions so users can use MetaMask to interact with the Celo blockchain and dApp developers can more easily port Ethereum dApps to the Celo blockchain. A great strategy IMO.

Of course, just look at CELO. They are building a financial system that creates conditions of economic prosperity for all with a mobile first approach. The network supports the development of smart contracts and decentralized applications. Its first application, Celo Wallet, intends to be a social-payments system centered around mobile phones.

Celo is the ideal blockchain for modern decentralized finance-mobile-first, quick to reconcile transactions, with gas fees less than a tenth of a cent. Additionally, as a fully EVM compatible blockchain, Celo is one of the easiest blockchains for Solidity developers to build on.

There's no one size fits all resource for your question but the best book that I can think of how all the concepts tie together would be "The Everything Guide to Investing in Your 20s & 30s" Albeit the book does not cover crypto most investment concepts, insurance those are covered.
https://www.amazon.com/Everything-Guide-Investing-Step-Step/dp/1507210302

You can google for free PDF online.
I read that book to understand about the basic financial concepts such as stocks, bonds, mutual funds,derivatives, real estate, ETF, how China vs US trade war effect the global market, how printing money affect the global economy once I have the basic knowledge then I spread out from there.

i have a higher hope of this project my friend. It will be a win win situation if we stick to $FUSE The price may be undervalued for now but the team partners are really valuable plus with the supporter of $FUSE including me is a perfect sign to stay in this kind of project☺️

Althought their competitors like Celo, Stripe but i really believe $FUSE will always dominate and in year 2021,we expect the mass adoption that will bring the project more valuable and has more potential and its really benificial to all of us☺️