AAVE

LegendaryJohnny

Go to any coin outside big 5, check 5 year graph since end of last true bullrun. Come back and tell me where the channel goes. Check big 2020 coins like UNI, DOT, AAVE, AVAX and many more

MichaelAischmann

Yes, that condition was announced but later on dropped to benefit a larger share of the sub. POL staking does happen on Ethereum mainnet for those who want to. It should also offer some of the best yield for POL (AAVE is lower).

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Post is by: hduynam99 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1o6ojrl/the_fed_pivot_signal/ 3 months ago in July, I posted about the Fed ending QT and flipping to QE in Q4. Now, Powell’s October 14, 2025, signal to end QT, after a $2T balance sheet haircut in June 2022. Paired with three 2025 rate cuts and Trump’s $2K stimulus buzz, liquidity’s flooding back. BTC dominance dropped from 60% to 52%, alt market cap’s at $1.05T, and king of alts ETH already broke its ATH, ready for stronger move. The History: QT to QE pivot pattern: * In May 2013, Bernanke’s taper talk (slowing QE3’s $85B/month) shook BTC from $120 to $100, but by December, gradual tapering sent it to $1,150, 6 months to peak, no alts. * September 2019’s QT end, 50bps rate cuts, and $300B liquidity shot sparked ETH (+200%) and LINK (+500%), doubling alt cap to $100B. March 2020’s monster QE ($700B/month, zero rates, $7T balance sheet) drove BTC from $5K to $69K and alts (UNI, AAVE 100x, SOL +11,000%) to a November 2021 top, 20 months from pivots. Now and why the cycle top’s likely 6-12 months out (April-September 2026) * The Fed’s September 2025 25bps rate cut to 4-4.25% as unemployment hit 4.3% marked the first easing of the year, signaling a shift toward looser monetary policy. This liquidity bump, with bank reserves steady near $3.2T, ETH/BTC ratio up 100% since may 2025. Bitcoin dominance, hovering at 59% (down from 66% peaks), suggests alts are catching bids, with ETH leading on ETF inflows ($4.8B+ YTD).  * Could alts double to $2.3T? Possible, but history warns of traps. The 2019 QT pause and cuts took 20 months to drive alt cap from $100B to $500B, fueled by retail FOMO in a smaller market. Today’s $3.8T crypto market and ETF liquidity could compress that to 6-12 months, pointing to an early Q2 2026 peak. But the May 2026 Fed chair transition looms as a macro wildcard. No guarantees, markets love to humble the overconfident. There will be a lot of volatility in the market, stay safe out there, my play book remaining the same, DCA in during low risk and DCA out during high risk. ETH will lead altcoin season as always, breaking ATH first and topping last (compare to most of alts, not your only special specific xxx coin). Stay close to ETH risk metrics to monitor your alts.  *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

jclaslie

Yeah, AAVE is in a different league right now

absurdcriminality

I know it’s kinda mainstream by now but AAVE deserves a shoutout every time days like this come along. I saw people complain about almost every DeFi protocol for all sorts of reasons, but no one was complaining about AAVE lol

pickleBoy2021

Tough to say. Tech hurricane. Basically exchanges triggered ADL for survival. Auto liquidations. Oracles work on delay so who knows what prices were happening. Plus API’s were failing. AAVE hard coded USDT price into their code to minimize issues like this. Luna panic stables unpegged and collateral set off liquidations. This was a true shitstorm of tech. Why in tradfi there are circuit breakers. https://x.com/diogenes/status/1976947177520808270?s=46&t=ig_uPatP8KlCwSQQGUWB1A https://x.com/salahghazzal/status/1977085457818079641?s=46&t=ig_uPatP8KlCwSQQGUWB1A

JustPhackOff39104

Yeah, I also don't. But in the top 50 there are lots of solid projects like ARB, AAVE, UNI etc. I consider mid-level alts 51-200 in market cap. They have some niche usage. And others is low-level alts. But let's be real, most of them are shitcoins.

Odd-Wrangler2745

Thats not true lol. With 1.6 leverage you were secure.  I speak for myself.. as AAVE user. 

Alatarlhun

Because bots trade ratios and lose big time in these moments. I think aave was down like 70%+ yesterday. AAVE hit $79 yesterday and now it sells for $234. These are dumb people/bots. Take advantage.

pickleBoy2021

This why tradfi has circuit breakers. If you are managing a book with hundreds of coins. You think anyone has a handle on what is happening to their business at the speed it was happening. Free Taylor Swift tix the hurricane hits and the code and decisions take over. Oracles run on a 10 minute delay. People have cross margin positions. ADL or automatic deleveraging is built into the exchanges code to protect themselves. AAVE hard coded a peg into their code to be tied to USDT. During the Luna hack you had code pegged to shit that was breaking. Mix all these factors up. Drop some news on garbage day. Shitstorm cocktail. Taylor tix moment. Some get lucky and some lost. I’m sure the dead bodies will start to rise next week based on the numbers that are coming out.

kinnth

Thanks for sharing brother. I lost big on the last dump and i always treat it as “expensive education”. You will come back and your overall knowledge of the market has improved. Black swans happen. Never put all your eggs in one basket is the only other big learning. I like to think in 1/3s. So I have 1/3 big risk. 1/3 farming and 1/3 pure BTC in AAVE (I take a small risk as I borrow usdc against my BTC to leverage a small amount. But we’re talking 10-15% it would be extremely unlikely to liquidate and I could pay it off with my farm. Anyhow. You are a brave person for sharing. You will help people. That’s a gift you’ve given.

MichaelAischmann

AAVE

OhWiseWizard

Show me a meaningful amount of users anywhere, or a single dapp with activity anywhere close to ETH. ADA is 1/20th the size of ETH by mcap roughly. If you can show me a single dex that has even 1/2000th the size of the activity of let's say AAVE I'll admit Cardano has users. If you can't, I think it's fair to say it's fucking dead. I'll just wait here.

MichaelAischmann

Get some BTC to hodl & some ETH to use in DeFi (like AAVE).

AcademicRock2494

Anyone care to critique a strategy I am thinking of deploying? I have held ETH since the early days, and I am ready to use it as collateral to get some cash to do some projects around the house. With the yield options available on Defi, I think I'd like to use yield to pay it off rather than my income. So here's what I'm thinking: Use AAVE with ETH as my collateral, borrowing USDC. I will deposit 75 ETH and take a loan of 60,000 USDC - that's a LTV today of \~17%. I will take $20k of the USDC and use it for IRL purposes. I will then use the remaining 40k USDC to generate yield to pay off the load. Current borrow rates on AAVE for USDC are \~5.5% APY. So to pay off the loan with yield generated by the USDC, I need to average \~8.25% yield. I think I will use the Morpho MEV Capital vault for approximately 20k of the USDC. From there, I am contemplating bridging the remaining 20k USDC to the Solana Network and utilizing some Vaults on Drift that seem to be performing better. What I am having trouble with is understanding the risks of having USDC on Solana vs on the Ethereum network, and how realistic it is to expect the yields to continue at their current levels. I am not opposed to active in managing this. I do understand that due to the lockup mechanisms in certain vaults, if things start to go south I may not be able to rescue the funds before the bottom drops out, hence the somewhat diversified strategy. Ideally I would withdraw a portion of my earnings on Morph and Drift monthly and pay down my loan on AAVE, basically like a monthly payment on a tradfi loan. Am I missing anything here? My priorities are to preserve my original ETH holdings but access a relatively small amount of liquidity to make my life easier. If there is a simpler strategy, I'm all ears.

Numerous_Ruin_4947

>Since 2020 I never sold a single sat of btc. I just borrow against my bitcoin on AAVE That’s because you got lucky with BTC. 84% of my portfolio is in ETH. The best time to take out those kinds of loans is when BTC is at the bottom, right?

torkildj

Why don't you borrow against your BNB? On Venus protocol you put your BNB up as collateral and borrow USDC that you use for your daily expenses. Since 2020 I never sold a single sat of btc. I just borrow against my bitcoin on AAVE and use the USDC to pay my daily expenses. Say fuck you to uncle sam

iaslle

Don’t do uncorrelated pairs, the impermanent loss will eat into your gains. You can 1) do stablecoin pairs like USDC/USDT, or 2) farm new stablecoin protocols like USDai, or 3) put it in battle-tested protocols like AAVE or Pendle. If you can maintain a 10% APY on your stable without losing it, you are going to outperform 90%+ of people, including those in tradfi. It is boring but this is how you win.

GreedVault

Binance alpha alts and newer alts are pumping, but the OG cryptos like ADA, MATIC, UNI, AAVE, SOL aren’t moving as much.

sQtWLgK

"Blue chips" is stonk-world terminology. ADA, LINK, DOT, AAVE, ALGO, and even ETH, aren't "blue chips" at all, they're just premined shitcoins.

finerius

You do not trust AAVE ? why ? What about borrowing in Binance ?

finerius

Interest rates in Morpho are around 7% which are higher than AAVE (5-6%). Why not AAVE ? How does outperform AAVE ?

Solarius09

Value will eventually flow to the alts that are associated with protocols that generate revenue. Smart money is betting on this many times over by now. From the above list (excluding ETH) only AAVE fits the bill, and maybe LINK because they generate revenue through their oracle business.

order-odonata

The alt coins that you listed are indeed finished, yes. Just like NEM, NEO, IOTA, NANO etc. were finished after the 2018 bear market. You could have viewed those as blue chips as well...but no, they are just regular alt coins that usually have their moment and then disappear. ADA, LINK, DOT, AAVE, ALGO are no different. Some stick around...like XRP for example - but the vast majority do not.

Logical_Lemming

AAVE is up 6x off its bear market lows, that's pretty damn good. Yeah this cycle might be about finished, but a lot of alts already had a great run. Solana did a 25x from low to high, I dunno who can be disappointed in that. Now if you're looking to buy a crypto asset TODAY that will continue to make multiples in the next few years, I don't think blue chips are gonna do that, no. The valuations are fair or overpriced where they are now.

alexzim

Off chain lending on exchanges. On chain lending on AAVE and others

MichaelAischmann

It's the reason I sometimes ask the utility question when people ask for opinions on a (new) token. They often are mainly for governance of the protocol. That means deciding about changes such as supported chains or assets & upgrades. I will not hide that I am not technically versed enough to make these government decisions, ergo I do not need the token. That does by no means imply that I wouldn't use the protocol itself. That looks like solid tech. It is important to educate about the difference between owning ASTER tokens & using the ASTER protocol. And that goes for so many DeFi projects. You don't need UNI tokens to use Uniswap. You don't need AAVE tokens to use AAVE's decentralized lending & borrowing protocol. So if people want to do ASTER governance, sure - invest. Maybe also invest if you use the protocol often (for reduced fees & revenue share). People should clear before investing what benefits the token buys. Many don't even know them let alone can formulate them clearly. "Sell the token to the next guy." is exactly what challenges this clarity.

No-Tackle-8652

i wouldn't recommend any L1 ecosystem. You should pick and choose apps based on your needs and shouldn't have any loyalty towards any particular L1. If you need a perpetuals app then the ones suggested by /u/Zealousidealmonk1728 are fine. If you need a lending app then AAVE. >Cardano for security and decentralization most apps on Cardano are centralized. Liqwid is closed source, has a centralized batcher, and centralized oracle. Minswap has a centralized batcher. Indigo has a centralized oracle. Djed is closed source, has a centralized batcher & centralized oracle. Strike has a centralized batcher and oracle.

MichaelAischmann

When it comes to DeFi, too many people (IMO) focus on the tokens such as AAVE or CRV or exchange tokens like UNI. These projects are all part of DeFi but their function is mainly governance of the corresponding portocols & how they should evolve. Like what chains & tokens to support and so on. Mostly these decisions are fairly technical & to make a good decision holders should understand the technology well. So for me it has become much more important to actually use the DeFi protocols. Lend some coins on AAVE to generate some yield, swap on decentralized exchanges instead of CEX to keep custody & control. The real things are build already, my tip is to use them. AAVE is a good start I think. Learn what the protocol does & how the code secures your money. If you feel satisfied, connect your wallet & turn your idle asset into something that generates yield. This works on many L2s as well.

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Post is by: CryptoHotep and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1nsqi9k/strategy/ I swing trade for the most part just spot using weekly Supply and Demand levels with RSI and Heikin Ashi to find areas to buy and sell off. Personally I have a long term HODL portfolio just for $BTC $ETH $LINK and $AAVE. I DCA into that each week. But with the active trading portfolio is where I’m not looking at holding my position for over a year and simply sell off when I’m done. These can be held for a couple of months to 6. Since adopting this strategy and not incorporating emotion and “holding on for dear life”, 2025 has been my best year. Anyone else just do spot? What’s everyone else strategy look like? *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

phiiiiiiii

AAVE. There is always a demand for lending.

RetroGameMaker

Non-custodial options for btc loans are the best imo. Check out AAVE and wrapped btc (wbtc).

MichaelAischmann

AAVE

Redhaired103

It very much depends on the coin, and the amount you invest. If someone buys small amounts each time, trading is not a good strategy but an unnecessary waste of time and energy. It is still Risku but the outcome could be worth it if you buy and sell large amounts each time. Not every alt coin is the same. AVAX, AAVE, SOL… these are for holding IMO for example. Meme coins… they are for short term gain so buy-and-sell method works there. Then there is a third “gambling” category for new-ish, cheap coins I put ADA and XRP in this category too. It is for holding but the outcome is unknown and the best case scenario will still take more time than average.

MichaelAischmann

I hate these hypothetical ways of asking a question. It's not the world we live in. Why not simply ask "What's your favorite crypto app?" Also you have a weird understanding how DeFi works. You don't download an app, or dapp to be more precise, you connect your wallet to it. There is no AAVE app on the app/play store. Then again you selected Nexo, so I'm not surprised you don't know DeFi. My wallet is my favorite app.

Sea_Flight_1480

Isn’t AAVE the cheapest and best? Also no KYC

TheCryptoDong

IMHO, yield on BTC brings very very low APY and not worth the risk. Yield on AAVE for 5% on USDC? OK. Yield on AAVE for 0.1% on BTC and take the smart contract risk? No. If OP is BTC maximalist, it's probably also because BTC is away from all those contracts risks.

sonofbaal_tbc

1) if you are 100% BTC, earn yield on that such as via AAVE or a chain like CORE 2) of your list, id say SOL , HBAR, ETH, AVAX, and SUI (great team)

002_timmy

Binance is extremely different from protocols like AAVE, Morpho, Compound, etc. At the risk of getting too deep in the weeds, there are even lending protocols like Teller that have no liquidation risks at all (often comes with higher borrow rate to offset risk). To say you do options and margin trading for a living as if it means you completely understand DeFi is a pretty bad fallacy. I do a lot of DeFi activity, but I’m sure you’d be pretty offended if I said “I do DeFi, so I know your option trading strategy is going to blow up in your face.” You would be correct in telling me I didn’t understand the nuances. If I pointed out an edge case for why the general rule for what you said was wrong, you’d give me how you handle the edge case but you were trying to give a general overview of the concept. I’d be an arrogant ass for trying to prove you wrong, instead of adding to the conversation by acknowledging generally what you said works, but there are edge cases where extra steps need to be taken. I find it interesting you’re so critical of this strategy because it’s very similar to margin trading & carry trading in TradFi. Obviously there are some differences but the concept of “borrow low, earn more” is the same

thestellaverse

Pretty sound advice, but not they'd have to use cbBTC or WBTC for an AAVE loan. A full range WETH/USDC LP should pay 10% or so aswell.

ThriceHawk

BTC, ETH, and LINK. I'd mainly dollar cost average in to be safe. BTC - Obvious, clear king of crypto, not much explanation needed here. ETH - Powering the largest ecosystem of dApps, Smart Contracts, DeFi, etc... The foundation for web3 applications. Largest and most active developer community in crypto. Ethereum accounts for 60%+ of DeFi's TVL. Huge player in tradfi tokenized assets moving forward. Primary blockchain for stablecoins. LINK - Leading oracle provider, secures 80%+ of DeFi, and the bridge with traditional finance/real world data. Already partnered with JP Morgan, SWIFT, Citi, Fidelity, the DTCC, Coinbase, AAVE, Mastercard, BNP Paribas, BNY Melon, Euroclear, etc. Even the US Department of Commerce. Provides cross chain interoperability allowing tokenized assets and data to move seamlessly across 50+ blockchains, including Ethereum, Polygon, Solana, etc. Key enabler of tokenized assets, provides proof of reserves for stablecoins/securities, and data feeds for equities, ETF's, etc.

Emergency-Reward-652

pega seus BTC, joga numa AAVE da vida e faz empréstimo com colateral em BTC. Compra o iPhone e continua com seus BTC. O BTC valoriza e vc paga o empréstimo sem gastar nada. É uma solução.

pickleBoy2021

I was referring to reading the biggests banks 10Q and investor presentations. They outline their Swot. Strengths, weaknesses, opportunities and threats. Public CEO’s holdings are also transparent. Private have assets. They all can take loans against their holdings or vested shares for liquidity and to minimize taxes. If a girl only does anal,she can claim she’s a virgin. No different with Brad. Claims and the truth are buried in the loopholes. Business go after stuff. That’s the point. If this was not crypto, this business would be laughable because of what little scale and integration they have had over such a long period. Having an endless runway of cash and retail message that resonates keeps it going. I like Hype. Have revenues. Captured a whale audience. Huge TVL and stables player. Built a strong base and great product. AAVE is another $60B beast. They make money have shitty margins but are actually profitable unlike most DeFi companies. Once they get their free cash flow game on. Game over. Battle tested and keep scaling up. Those are 2. Both are either almost vested or have no VC’s. Executing buybacks and but they keep innovating products people can test use and see for themselves. Basic. Believable. Usable.

jawni

There is this really convoluted and complicated method to finding the coins that perform well in the current cycle, it's called: picking coins that people actually use. eg. ETH, BNB, SOL, HYPE, ENA, PUMP, AAVE, LINK

Zaytion_

AAVE is for loaning and borrowing. Is borrowing not a legitimate use case? Pendle is for yield plays, many on RWAs. Are RWAs not legitimate use cases?

MichaelAischmann

AAVE, Pendle, Uniswap, Opensea and some others. I usually need ETH to interact with these platforms.

Linnybhoy

AAVE

PenguinsInvading

Swing and semi-scalpe. I only hold if it has use cases (AAVE, ENA, LINK overall coins that I can use in DeFi not doge coin lol) or if I run out of liquidity so I have to turn somw of the profits into the coin I opened position on. Otherwise I only do futures trading. I use both classic price action and my own specific TA. Both have their own logs, RR, Risk management and money management. The classic one is based on Breakout, my own uses OBs. So they compliment each other. Also a strategy is consisted of important parts. Swing trading isn't a trading strategy it's a trading style or method. When someone asks you what is your strategy you have to present your Winrate, average Risk to Reward ratio, your money management plan, Risk management plan, Position management, profit management, win streak, loss streak, your trading log and journal, your monthly PnL. That's your strategy not whether you buy on supports or hold or you use Smart money, ICT, RTM, Breakout or anything else.

thesuperbro

I would put some in a cold wallet and put it in AAVE. Also would open/run a validator with another chunk of ETH. Staking an amount with crypto.com to participate in their eth staking reward contests etc seems smart if you have a bunch of eth and already have a card with them that will give you higher apy. That apy caps at a certain amount of eth and scales down though. But yeah basically a bunch in a node, a bunch in aave, some in exchanges that give rewards or incentives as well, and that's just what is on the top of my head good luck.

1_BigPapi

Are you staking actual Ether or you have $1 million USD you want to invest into a DeFi platform? At that amount you should distribute it across wallets and contracts to be safer. Ether staking is pretty low risk, and much larger portfolios are staked. You could look at Lido for staking or hosting your own node but I don't think you want to go that route. But if you want want to earn yield in DeFi, there is a little more risk but if you use top/trusted protocols like AAVE your risk is minimized. Honestly at that size, AAVE, Compound, Curve .. those are probably your safest bets. But do research. You can also use DeFi Llama to look up other protocols but definitely stick to the largest and most trusted. Smaller protocols will offer crazy APY/APR but its because they are trying to bootstrap a platform or service and its higher risk, not battle tested et.

markaction

Learn how to use the mainstream Defi protocols. The two big ones are AAVE (lending protocol), and Uniswap (a decentralized exchange). If nothing else, learn these. Skip BTC. The future is on-chain and that means Ethereum.

ThriceHawk

Just start with BTC/ETH/LINK. BTC is king, and ETH/LINK are otherwise the most adopted projects in the space. You could branch out with SOL, HBAR, AAVE... but starting to dollar cost average into the first 3 I listed is, IMO, the safest bet for 80-90% of your portfolio.

Tall_Run_2814

ETH is still the most valuable chain in crypto and the literal backbone of the entire crypto market. Almost every good project in crypto was initially built on ETH; Chainlink, AAVE, Uniswap and 1,500+ other coins. Solana is the fastest and cheapest network in crypto. Do idiots use it? Yes! Why do they use it and not Cardano? Oh...because its easier, faster and cheaper to use!! Render, PYTH, Jupiter, Pudgy Penguins and yes even the idiot factory: [Pump.Fun](http://Pump.Fun) all run on Solana. Name 1 project that is globally known that runs on Cardano...

Mindless_Ad_9792

imagine thinking crypto is still about currency in 2025... does your blockchain house complex defi systems that can free people from the shackles of centralized tradfi? if not then whats the point? stellar can send USDC at with fees at <0.0001 USD, ETH L2s are around \~0.01 USD, and ETH has AAVE, the biggest lending/borrowing market in crypto, and has personally helped me a ton. sometime it feels like nano guys are that japanese guy that fought 29 years after world war 2 finished

Redhaired103

BTC, ETH, AVAX, AAVE in this order - these would be %80 ADA, XRP, The Graph. - %20. These are more like gambling though. I would not suggest anyone to invest in them more than they are willing to lose.

absurdcriminality

The fact that it is trading at 8x the valuation of AAVE with no working product is just insane to me...

jekpopulous2

The reason is that all these chains use EVM, Move, or in Solana’s case SVM. All three are account-based models so they can just port code from AAVE, Compound, Maker, Sushi, or whatever. Cardano is uTXO which is not account based so none of that code can be ported. USDC and USDT also only work with account models. Anything built on Cardano has to be built from scratch specifically for Cardano. They probably should have considered that while building the chain but here we are years later and the chain is still a ghost town.

GarugasRevenge

AAVE is very successful, I'm not sure why they'd allow themselves to be dragged down by cardano.

ThriceHawk

Neither. BTC, ETH, LINK, HBAR, AAVE... start with those.

Prestospin

Check Coinstats, been using it since blockfolio collapse. Best app for tracking crypto assets hands down. It's the only app, that tracks EVMs(Ethereum, BNBchain, AVAX C-chain, Arbitrum and etc), non-EVMs(Solana, SUI, Aptos, Algorand, Polkadot, Atom and etc), Centralized exchanges(Binance, Coinbase, OKX and etc) and DeFi positions(Uniswap, AAVE, Aerodrome and etc)

titain19

Don't listen to any traditional finance bros. Check out AAVE. Use decentralized finance to collatorize your BTC and just borrow what you need... I'm semi-btc retired through this method.

innocentrrose

Mfer launched a memecoin and his wife did days afterwards. His son has some fuckin AAVE fork. He has “trading card” NFT’s. Dude is a grifting scumbag, fuck him.

bleakj

There's a few pairs I've had going for 2+ years now, (POL/USDT, WETH/USDT, WETH/USDC, WETH/AAVE, WETH/LINK are the ones I can think of top of my head) that have all stayed at the 40%+ rate (POL/USDT seemingly stays closer to 100% most of the time based on Quickswap) but looking at my totals after time, it really doesn't feel like it adds up; but impairment loss / market flux may honestly be enough for that difference with the LP's. With lending, I'm getting much lower (Like 8% average for USDC) and that definitely seems on the nose though.

MinimalGravitas

The total DeFi ecosystem has a total value locked of about $158 billion, across all protocols on all chains. If that, about $40 billion is deposited in AAVE: https://defillama.com/protocol/aave

JudgeCheezels

For your shitcoins surely not. But ETH, SOL, XRP, AAVE, LINK, AVAX all contradicts your statement.

poginmydog

Lots of people use it on a daily. Lots of web3 apps are also just wrappers for AAVE. This is one of those DeFi apps that is actively used throughout the past few years, not just recently. They’re awesome and significantly safer than CEXes or other lending platforms.

Legitimate_Cry_5194

My strategy to not be a bag holder is buying everything in Q3 2022 and keep selling step by step on the way up starting from March 2024 when we breached the BTC's ATH. I'm almost completely out now. I hold a bag of SOL and AVAX that i aim to sell around 250$ and 45$ respectively, if we hit those targets, but i don't really care if we don't, it was a small part of my portfolio. BTC, ETH, DOT, LINK, AAVE have been sold already at one point or another. I'll buy again when we get a deeper retrace, when i say deeper i mean something like 50% down from ATH for BTC, deep deep bear.

coinfeeds-bot

tldr; Aave, a decentralized lending protocol, reached a record $41.1 billion in total value locked (TVL) on Aug. 24, making it comparable to the 54th largest US commercial bank by deposits. Including $28.9 billion in outstanding borrows, its combined figure of $71.1 billion would place it as the 37th largest US bank. Aave controls 50% of the DeFi lending market, significantly outpacing competitors. Institutional adoption and strong performance have driven its growth, with its AAVE token rising over 177% since April 2023. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

Morningrise22

Kaspa is behind, other projects are way ahead. AAVE, AVAX, HBAR, LINK, are way better

Redhaired103

AVAX. I don’t know if it will go ETH level but I think it has a good chance of reaching at least AAVE’s price level in the next couple years.

MinimalGravitas

Other than the obvious ones (e.g. Uniswap, Cowswap, AAVE and Curve) one that I really like is 'Alchemix'. The protocol offers 'self-repaying loans', where you deposit assets and can effectively take all the interest that it will earn over time immediately, then your deposit is locked until the interest matches what you took out. So if you deposited 100 ETH at a 3% interest rate then you could borrow say 6 ETH to buy a car or whatever, and the interest on your 100 ETH slowly pays off the amount borrowed until after 2 years you just withdraw the 100 ETH again. What makes this particularly nice is that you can always repay the loan early by just sending the remaining amount of ETH, so if after 1 year you still have 3 ETH left to earn back, but a bear market has kicked in and so the price of that 3 ETH is much lower than when you sold the loan to buy the car, then you can pay back the 3 with cheap new ETH, and then withdraw your original 100. Or if you are really stuck with an emergency and just need the money, you can always use part of your deposit to pay off the loan, so maybe withdrawing 97 after 1 year rather than the full 100 to square your balance with the protocol. As you probably notice, this dApp is one that is best used near the top of a bull market, and as an alternative to simply cashing out part of your portfolio to buy something. I used it to buy an EV pretty near the top of the last cycle and it effectively meant that I ended up paying about 1/4 the 'real' price, and still have my ETH. Worth a look, but probably not one for the moronic masses to blunder into without bothering to understand it.

Alarming-Upstairs963

I did as well, caught a big move up in xrp, moved into erc20 coins, not so much ETH but I did well on LINK, AAVE and others What are we expecting eth to do from this point? 10k? 15k? Max? 3x doesn’t impress me. I can see DOT at $20-30+ next year.

markaction

Of course it will flip BTC, but it may take a year or so. Ethereum has all the SOV traits of BTC, such as decentralization, permission-less, and censorship resistance. And on top of this, it actually has utility and you can use it. The only useful think I can think of with BTC Is bridging it to Ethereum to use it as collateral on AAVE. But if you were to do that, why even have WBTC or CBBTC? You would just swap it for ETH once you realize how useless it is.

Redhaired103

BNB (binance coin). Not that I have anything against it, it’s just that my budget is tight and BNB is quite expensive. I would rather add that money to get more BTC, ETH, SOL, or AAVE. Also Dogecoin. Its time will be over soon. I couldn’t get into HBar or TRON either (yet?)

MichaelAischmann

AAVE token did a +162% (1y) indicating that people want influence on decentralized lending & borrowing protocols.

mayhemvoyage

Sure! Right now I’m lending weETH on AAVE. Virtually zero lending yield but you get 3% or so from staking. Also some Ether.fi points but I have no idea how much yield or $ that translates into. Then I borrow whatever stable has the lowest cost. Right now it’s crvUSD or EURC (2-5%). Then I swap for RLUSD and lend on AAVE for a bit over 10% yield. Other solid options are Pendle (USDe or cUSDO PT for 13-15% fixed yield) and Euler (a bit over 10% for USDC and USDT pools). These are relatively low risk options. You can probably find higher yields on concentrated pools and whatnot. Also I usually borrow around 50% of my collateral to avoid liquidation yield. But it’s nice earning some extra yield while keeping exposure to ETH

xarips

AAVE punishing the haters

Aggravating_Olive_70

I stick with solid projects in the top 20 or 25, like LINK and ADA. They won't 100x but they don't go to zero either. Also, I only buy spot during bear markets. I got AAVE for an average of $64, SOL at $22 and XRP ar $0.59. Buy when others are fearful. Sell when others are greedy.

mayhemvoyage

Holding, staking, lending on AAVE and borrowing stables and farming them

CarnegieHill

LINK is a good one, already mentioned, for DeFi. Add AAVE to that list. Here are just a few more: TAO, RNDR, FET, GRT, in the AI space. DOT, SOL, FIL in infrastructure. ONDO for RWA.

Morningrise22

Kaspa won't last, y'all are tripping. Seriously, not worth it You're better off with AAVE over than shit coin

LearnedToe

Copy and pasting my comment above: Since you didn’t get an explanation, I’ll give you some bullet points on Chainlink: • ⁠First mover advantage, proven track record (secure, no downtime, accurate, etc), and very little (if any) actual competition. • ⁠They’re the infrastructure of crypto (think roads and bridges), which is essential but not sexy. Because of that and the historical tokenomics, price action was fairly muted. They’ve flipped the switch with the Payment Abstraction and Chainlink Reserve. • ⁠Core Services to support infrastructure idea: 1. ⁠Data Feeds (Price Oracles): Provide tamper-resistant price data (e.g., ETH/USD, BTC/ETH, commodities, FX). 2. ⁠Proof of Reserve: Gives real-time audits of collateral backing assets (like stablecoins, wrapped tokens, or real-world asset tokens). 3. ⁠Verifiable Random Function: Provides provably fair randomness on-chain. Used in gaming, NFTs, lotteries, and any application needing trustless randomness. 4. ⁠Cross-Chain Interoperability Protocol (CCIP): A messaging and token transfer standard that enables secure communication between different blockchains and traditional systems. Seen as a key bridge for institutions and enterprises to connect with Web3. • ⁠Their partnerships are second to none (Swift, ICE, DTCC, PayPal, Google, AAVE, etc): https://www.chainlinkecosystem.com/ecosystem • ⁠Payment Abstraction: Link has recently become Chainlink’s Universal Gas Token, so all payment (ETH, fiat, etc) for Chainlink services is now converted to Link. This will generate demand for Link. • ⁠Chainlink reserve: Link converted via Payment Abstraction is transparently placed in a reserve once a week, which will decrease circulating Link supply. Source: https://metrics.chain.link/reserve

Redhaired103

It’s not that. ETH, SOL, AAVE… just to name a few coins with infinite supply but do much better than POL.

01battler

Withdrawal to an EOA account (you can use wallets such as Ambire, Rabby, Metamask). Then you have a ton of options - AAVE loan to optimize taxes, different card providers (such as GNOSIS card), where you can periodically withdraw amounts.

Zaytion_

You can do any defi you want from Trezor. If you don't want to use AAVE or simliar, that's fine. But don't pick Coinbase because you think you can't on Trezor.

Neat-Emu-8731

If you’re only riding one, $LINK feels like the best degen bet it’s infra every chain needs, gets monster pumps when narratives heat up, and has way stronger upside vibes than UNI’s weak tokenomics or AVAX/AAVE’s slower grind plays.

AlbiBambi

If you really want to pick one out of all those it's either AAVE or UNI, but thta's just my opinion, and you should NEVER take advice from strangers online who express their opinions. DYOR, figure out which coin looks the best FOR YOU and just make the bet

ignatio999

Don't listen to anyone here (other than me lmao, makes sense) but seriously just get some $LINK and $AAVE and just forget it.

mattyhtown

Pol again? Why? Seems like the shine from that has faded away. Also wasn’t an alt before really and still isn’t. If POL is pumping then i expect AAVE to really pump.

Crypto-4-Freedom

Yeah, i would say to start with AAVE and Pendle. Always make sure you read the docs and fully understand what you are doing,i would advice to join the discord of those protocols as well.

Crypto-4-Freedom

Yeah, i would say to start with AAVE and Pendle OP. Always make sure you read the docs and fully understand what you are doing,i would advice to join the discord of those protocols as well.

sigstrikes

Depends what you are holding but I’d say AAVE is probably the most established (“safer”) and Pendle has gotten a lot of traction this past year

asselfoley

If possible, I'd take a loan on AAVE instead

Altruistic-Buy8779

They're called ERC20 tokens. Things like AAVE, UNI, 1INCH, USDT, USDC, to name a few popular ones. Some like the ones I name actually have a utility other's don't and must be a meme coin, a funding token, or an presale of an ICO.

ThriceHawk

You can put a decent chunk in now, but I'd mainly dollar cost average in to be safe. 33% BTC, 33% ETH, 33% LINK. BTC - Obvious, clear king of crypto, not much explanation needed here. ETH - Powering the largest ecosystem of dApps, Smart Contracts, DeFi, etc... The foundation for web3 applications. Largest and most active developer community in crypto. Ethereum accounts for 60%+ of DeFi's TVL. Huge player in tradfi tokenized assets moving forward. Primary blockchain for stablecoins. LINK - Leading oracle provider, secures 80%+ of DeFi, and the bridge with traditional finance/real world data. Already partnered with JP Morgan, SWIFT, Citi, Fidelity, the DTCC, Coinbase, AAVE, Mastercard, BNP Paribas, BNY Melon, Euroclear, etc. Provides cross chain interoperability allowing tokenized assets and data to move seamlessly across 50+ blockchains, including Ethereum, Polygon, Solana, etc. Key enabler of tokenized assets, provides proof of reserves for stablecoins/securities, and data feeds for equities, ETF's, etc.

igoldring

($AAVE) defi leader for lending; 70b in assets on platform ($LINK) oracle leader for defi and besides ETH, has the most RWA use case ($ETH) still is a ETH cycle rn no need to fight the trend + still under ATH with record inflows from ETF Lower mc for some risk ($COR) decentralized AI task processor ($ALVA) creates “baskets” similar to ETFs for crypto ($0xs) privacy platform with their own privacy email, phone numbers, website etc.

jenya_

> why not lending your btc directly for 4%? Where are you getting such a good offers? AAVE offers WBTC APY below 0.01%, lol: https://app.aave.com/reserve-overview/?underlyingAsset=0x2260fac5e5542a773aa44fbcfedf7c193bc2c599&marketName=proto_mainnet_v3

Hooftly

But you dont need the LINK token to use any of the price feeds that already exist. These are paid for by projects like AAVE and its not paid with LINK. There is no demand to actually use LINK aside from paying operators for BESPOKE feeds that do not already exist, cross chain calls or using the VRF service. The price feeds which Defi projects use do not require LINK and I dont think many people understand this.

ban000tan

True. I’ve got some LINK, LTC, and AAVE which as all having a good run since July

overwatchaim

how safe is it to “defi lend” “”stake”” on AAVE, usdt eth20? Ive lost alot to UST and im scared that AAVE will be breached once.