AAVE

coinfeeds-bot

tldr; Justin Sun, founder of Tron, staked $154.5 million worth of Ethereum on the Lido protocol, marking one of the largest institutional staking deposits on the Ethereum network recently. Sun withdrew 45,000 Ethereum from AAVE and deposited them into Lido Staking. His public wallets now hold $534 million in Ethereum, surpassing his TRX holdings of $519 million. Lido allows users to stake Ethereum while maintaining liquidity through derivative tokens. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

RoutineAdvantage3454

I thought AAVE had a max supply of 16 million?

jawni

>I know dude, that's why I asked you. It wasn't a rhetorical question. Well you got your answer, fundamentals matter even if the underlying ownership of the asset isn't being publicly traded. >That's weird. I was here from early 2017 to 2023, got the bag and bounced. Outside of bitcoin, none of these had any real world use case to justify their price. All people cared about was hype. Hype from bots on Reddit, paid shillers on twitter, paid promotion to exchanges, it's all the same. It's always been pure speculation fueled by getting rich quick. If you take that away, people don't want to own any of this. That's when I started too, but I definitely noticed a shift over those 6 years and especially after that in the last 2 years up until now. Over that period all of the projects I previously listed started having good fundamentals. ETH dominating general usage as well as being the preferred spot for any novel defi app led to good fundamentals. Tron being the de facto stablecoin payment chain led to good fundamentals. AAVE being the most trusted money market led to good fundamentals. Solana becoming the preferred chain to trade on led it to good fundamentals. PUMP and HYPE are new and launched outside that window, but obviously they have good fundamentals and are priced as such. >I don't even know what you are talking about. Is that a shitcoin or is that just a general question? Why don't you just help me out and answer how do you calculate what is intrinsic value of a cryptoasset? What makes you decide it's fairly valued for you to buy it from someone, what do you as an owner get that justifies a certain price? You said there are no fundamentals that matter and if you make money it's due to luck, I'm saying otherwise. Hyperliquid is the most profitable chain in crypto, so according to you, the idea that it's value also rose in correlation to the money it was making is purely luck. Clearly you have no clue what hyperliquid is, but just to fill you in, it's a perps exchange and it's massively popular. In order to decide if it's fairly valued, you can try many routes. You could extrapolate the market share it's gaining and project from that, you could value it off traditional metrics like p/s or p/e or p/b, you could value it relatively compared to other similar projects. Here are some examples: Here is an in-depth one: https://x.com/Crypto_McKenna/status/1978095055366676731 Here is a simple one: https://x.com/MetamateDaz/status/1886600921729392904 Here is one considering the many different methods: https://x.com/trevor_flipper/status/1932236465200583080 Just browse through this for more if you want: https://x.com/search?q=valuing%20hyperliquid&src=typed_query

jawni

There is a massive difference between actually having good fundamentals and caring about having good fundamentals. Traditionally "fundamental analysis" meant looking at how much money is being made and spent. Cardano makes very little revenue and subsidizes <99% of the ADA going to SPO operators via the reserve. Those are very poor fundamentals. You could use a looser definition to maybe extend to metrics like volume or TVL, but even then Cardano would be in the same relatively unimpressive spot. Good(or more accurately "better") fundamentals would be things like ETH, SOL, BNB, TRX, HYPE, PUMP, AAVE, projects that generate good cash flow from usage.

shawman123

it does not matter unless these integrations lead to huge revenue or something. I see altcoins publish news about various stuff done on DEFI and elsewhere but it does not move any needle. AAVE infact has 33B+ in TVL and we can see revenue/fees locked and still has not moved. Minus Bitcoin this cycle has done nothing much. Even Ethereum is below last cycle high. Era of alts are done I think.

Sandharbor

I also have very similar views, I believe alt season was in 2024 and therefore took a good chunk profit in early 25’ I could’ve timed it better and done it at the end of 24’ but didn’t. I took more off in the middle of 25’ and more off in October. Left some on cause my personality won’t allow me to have no chips on though, in case the cycle breaks, I know this means I’ll roll some over.  In hindsight the one change I would make is rolling my alt profits into BTC  My strategy basically to DCA into  multiple narratives about a year after the top for another year thensell halfish when it hits and I’m up multiples, I don’t try to time the top for one mass exit but take off in tiers.  Sol, AAVE, and BTC were probably my coin winners along with COIN and HOOD stocks. Had a few very small bets on memes and base tokens that helped hit. Had other  coins that maybe doubled tripled at most, some that bled the whole time, and got rugged a few times trying to hit a few lotto’s lol.  Analyzing that it’s hard to say how much better doing all that was then just accumulating and holding BTC, and the boring crypto related stocks.  As far next season I think the alts really doing something, for example having tokenized assets and corporate partnerships, or being the top defi protocol across chains will perform well, if the tokenomics are right. 

Hooftly

Yes and what gets me is Morpho mostly just uses AAVE and Compund under the hood if a P2P match isnt found.

corpusarium

AAVE is very stagnant

002_timmy

Very very different. Celsius was all off chain and basically leveraged customer assets. Teller is doing market-buys onchain to payout rewards. Many protocols do this to bootstrap activity then organic borrowing takes over. We’ve seen it with AAVE, Morpho, compound, etc.

itsadiseaster

Really? No! It can't be! The difference is they make the rules not your VeChain or other totally useless XRP, AAVE, SOL, ADA or whatever else you put on the list here.

RamoneBolivarSanchez

And yet loser traders who bought bags of SHIB will kick and scream that it’s all fake because they lost mommy and daddy’s money gambling on shitcoins. As someone who has also lived off of AAVE loans I agree and commend you sir 👏

RamoneBolivarSanchez

More like I was able to get a loan on AAVE when my credit was bad and this let me live my life without issues for 2 years until I was able to raise my credit score. Also had family use crypto for years to send money back to other family members in places where banks weren’t working and other sanctions were in place. Crypto is a reflection of *you* and what *you want* out of it. If your life is relatively easy and you’re using it as an investment or gambling vehicle - sure **you are waiting for number to go up**. Now if you were living in a really unfortunate place and time and had no way to send money to your family - and you needed to find a way to put up crypto you bought as collateral without selling it - dapps like AAVE are literally life changing. Just because you don’t use crypto for the intended purposes doesn’t mean other people aren’t. 😮

asselfoley

I've exited the financial system (except a visa debit that's attached to one of my wallets) and lived off AAVE loans for the last year

FB3536

You can stake EURC on AAVE selecting the ETH or BASE market

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Post is by: Apraemio_ofc and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1oiycli/crypto_market_insights/ GM, APRA Fam, Welcome back to Crypto Insights, your weekly guide to the boldest moves and biggest shifts across the digital asset space. Let’s break it down: 1️⃣ **Is the long-awaited crypto rally finally here?** 🚀 The long-anticipated crypto rally may finally be starting. The United States and China have taken major steps toward creating a mutually beneficial trade framework, easing global market tensions. In response, Bitcoin has climbed back above $115,000, Ethereum is holding near $4,100, and Solana has once again crossed the $200 mark. The crypto market has been positioned for escalation rather than relief, meaning even modest positive news can now trigger strong upward momentum across major assets. 2️⃣ **MegaETH launches its long-awaited sale** 💎 Between October 27–30, MegaETH kicked off one of the most anticipated auctions of the year. The event, held on the Ethereum blockchain, offers 10 billion MEGA tokens available for purchase exclusively in USDT. The low starting price was no coincidence, the team’s goal is to provide fair access and establish a committed, long-term community rather than quick speculation. With strong demand and growing visibility, MegaETH could become a noteworthy player in the Ethereum ecosystem. 3️⃣ **Japanese banks move toward crypto** 🏦 Japan’s Financial Services Agency (FSA) is considering allowing subsidiaries of major banking groups to offer cryptocurrency trading services. This would enable bank-affiliated firms to buy, hold, and trade crypto assets directly. If approved, the move could mark a major step toward integrating traditional finance with digital assets in Japan opening the door for broader institutional participation and accelerating crypto adoption across Asia. 4️⃣ **What to watch next** 👀 • AAVE: Ongoing discussions around a $50M buyback program to strengthen long-term token value. • MON: The project’s first early airdrop is scheduled for October 28. • ETH: BlackRock’s Ethereum ETF staking program reaches its next key milestone on October 30. • SOL: The first spot Solana ETF launched on October 27, marking a major milestone for institutional Solana exposure. We’ll catch you next week with more insights and updates from the ever-evolving crypto market. — **Team APRA** *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.*

theweb3voyager

Dude if you’re starting on crypto I’d go for blue chips on infra understand what they’re for and buy. Like UNI, AAVE or LINK.

theweb3voyager

I'll keep DCAing, and maybe recycle, borrow stables and lend that stables on a higher paying dApp. I'm borrowing low on AAVE and then recycling on Spark with higher APR.

theweb3voyager

Yeah was a sad day for web3 users finding out which apps were truly decentralized. Tho AAVE kept running smoothly in IPFS.

LocalLive2264

Since this happened under the heavily regulated EU framework, the BNFCR system was enforced to comply with MiCA regulations, which led to the closure of all open futures positions in 2024. However, my AAVE position was opened on Binance’s international site around November 24, 2023, which wasn’t subject to those rules. That’s why I got caught in this mess—buy orders were completely canceled, and some altcoins like ATOM and IOTX crashed to zero. I’ve got the full order history and price screenshots on my X, @fuckcpz.

mjergen

For futures trading, Binance launched their BNFCR (Binance futures credits) a year ago (June 2024) to comply with regulations. By doing so, they closed all open futures positions and removed usdt support, to switch all users to their BNFCR system. I'm not sure I understand how could you have held an open AAVE position from 2023 if they closed all open perp positions somewhere in 2024.

alxkwl

I just bought a new car using my Ethereum as collateral instead of taking out a car loan and I actually earn net interest on my collateral. Tradfi loan was going to be 8% interest, AAVE collateralized loan actually earns me 1.3 % APR, I also earn on the increase in value on the underlying asset and I have zero minimum payments- like I literally never have to make a payment if I don't want. I'd say being your own bank is more than just "buying and selling crypto". Tradfi is doomed.

iOCharts_

Good mix overall. The core (BTC, ETH) gives you long-term security, while $SOL, $LINK and $AAVE add real utility exposure. $TRX and $RUNE can be volatile maybe cap those under 5%

LocalLive2264

CMC aggregates prices from major exchanges with a weighted approach, better reflecting the market’s fair value. Binance’s index price is also a weighted aggregation from eight major exchanges, but on that day, no AAVE prices below 80 were found.

quantumdotnode

When I got into crypto last bull run, more experienced folks told me about the myriad tricks Binance play on their users. Look, most of these exchanges are shady af but Binance operate on whole other level. But folks continue to use them. FAFO I guess. Leverage is always risky, even 2x. It should be used only as a tool, and don’t rely on your funds if you have them on leverage. Many are funding out these things the hard way. I’ve also done dumb shit too, but still here learning and grinding. The space will always punish you for doing dumb shit is one thing I’ve learned. The risks can pay off sometimes but I think we all got too complacent. It’s spot holdings in cold storage that are safest. AAVE is a solid token, but any such defi token is liable to be manipulated and definitely holding that much on lev is risky AF 🚩🚩🚩

LocalLive2264

Here’s my case: Binance liquidated my 200K AAVE position at a price over 40% below the fair market value and 20% lower than other exchanges and even their own spot price. They only sent automated system emails, offering no explanation for the absurdly low liquidation price. It feels like outright robbery!

LocalLive2264

Aave is a solid DeFi lending protocol on the Ethereum network, and I’ve always been interested in it. It’s currently trading around $220, but it tanked hard during the 10/10/2025 crash. At the time, CoinMarketCap’s fair price dropped to $109.72 USDT, Bybit’s inverse contract hit $122.66, Crypto.com’s spot was $81.59, and Coinbase’s spot reached $128. Even Binance’s spot price fell to $79.51, but their inverse contract plummeted to $63.50. Shockingly, Binance force-liquidated my 1,000+ AAVE at $64—way below market—then the price rebounded. What a scam!

LocalLive2264

Did they refund you? I am also suffering liquidation, binance liquidated my 1000+ AAVE token at $64, but at that time, the fair price is 110.

Various_Whereas_2667

Look at the cryptos with ETF applications: ETH, SOL, AAVE, LINK, and skip XRP (imo). BTC too, but it’s overpriced.

pickleBoy2021

Last place on earth to go. You will fall for cult scam coins. “Oh that sounds good!” Stick with BTC, ETH, SOL. Projects that are vested or minimal/no VC. Have TVL or billions in DeFi and activity. DeFi llama will show you protocols- activity and rank. Like AAVE has $60B and does borrowing and lending. Bigger then most the 💩. Don’t believe in hype and trade carefully. Crypto the price always comes back. Watch for FOMO. Avoid KOL on YouTube. They get paid to shill you coins. Then you are down and crushed. If you want to put money all in. Put it in stables. Earn yield. Then deploy carefully. Most projects will go to zero. Even great projects like Link are not fully vested and the price never moves. Learn FDV and market cap. Good luck.

quantumdotnode

Ask your ai to explain AAVE. Another option is Jupiter Lend

magus-21

> well it’s not equivalent Yes it is >i have no authority to give financial advisement as it’s literally a personal opinion. Banks in spain had such authority and they fucked up. I would agree with that. But your "personal opinion" is still wrong. AAVE is not as safe as banks. > higher APYs in most DEFI lending protocols don’t evidence higher risk Yes, they do. > they just evidence a higher demand in the borrowing market. No, they evidence higher risk. >They have even lower APY than traditional lending when the market is calmer and that also doesn’t mean they have less risk. Yes, it does. If there's less demand it's because not many people are borrowing. Which means people are taking less risks. Which means the borrowers are not very risky borrowers.

magus-21

>man you edited the comment wtf I said no to other words you put in my mouth. Fair enough. >I think they are equivalent in risk They are not equivalent in risk. You claimed depositors lost money. They didn't. Investors did. What is equivalent is the fact that your banks misled their customers as to the safety of their investments. That's the same as what you are doing now with AAVE. You are claiming AAVE is as safe as bank deposits, but it isn't, evidenced by its higher APYs.

magus-21

>they were sold as deposits by many banks to the elder And you are selling AAVE as being equivalent to deposits.

magus-21

> eh no lol. Eh yes lol > AAVE at least holds an overcollarized position, my bank is required to hold 1% of the amount I deposited, AAVE requires 150% of collateralization. Read what fractional reserves are. And all that is controlled by code developed by vibe coding brocoders whose main motivation is profit not resilience. > But i think that you are not understanding it from the core of the concept I am understanding it. You're not understanding that "systemic risk" doesn't care about intentions. AAVE is exploitable, and if exploited, those transactions are irreversible. That presents an inherent systemic risk to anyone using AAVE. All the "safeguards" that require "overcollateralization" and supposedly "protect" depositors that you cite don't matter if they are bypassed.

Kike328

eh no lol. AAVE at least holds an overcollarized position, my bank is required to hold 1% of the amount I deposited, AAVE requires 150% of collateralization. Read what fractional reserves are. But i think that you are not understanding it from the core of the concept, it’s not like the 8% is coming from people who cannot get a 4% loan, the 8% comes from a borrow AGAINST crypto in bull market conditions. It’s impossible to get a 4% loan against crypto in a bull market with traditional finances, because the demand on borrowing is just not enough to cover the lending so people need to rely on defi to cover that at expense of increased rates.

magus-21

>there’s no systemic risk, there’s an overcollateralization that gets liquidated with huge margins The systemic risk is AAVE itself. There is always systemic risk, and it's worse in crypto than in tradfi.

BigMassivePervert

So if you $5 million, would you put all $5 million into lending protocol like AAVE and feel good about it? As you put it, an easy 8% return and sometimes more. Why would you not? It’s not higher risk than say US treasuries with a small 4%?

Somebody__Online

Your not supposed to lend the crypto on some centralized exchange platform, the idea is to use the blockchain infrastructure to do the lending. Use on chain money markets like compound or AAVE and there is no risk of them going bankrupt or locking your funds because of bad management. The on chain protocols are just governed by open source software and so the risk is more on protocol exploit and failure than on middle man incompetence or fraud

magus-21

> you said 8% represents higher risk It does. > that’s not right for lending protocols that adjust their rates to market demand like AAVE It is. >You can easily get 8% in the 4 years range averaged in a field tested protocol with millions in custody and audited such AAVE It's still highe rrisk.

Kike328

you said 8% represents higher risk, that’s not right for lending protocols that adjust their rates to market demand like AAVE. You can easily get 8% in the 4 years range averaged in a field tested protocol with millions in custody and audited such AAVE

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Post is by: CryptoHotep and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1oaxzuk/non_levered_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.*

ah-hum

Nah - you have a grand, bitcoin is cheap rn, just buy it, send to a cold wallet, keep everything super safe and don't lose your passwords and keys. Or you could set up an autobuy of $50/week and let it average in at the changing prices. CashApp charges 2% and Coinbase charges much less but only buys USDC, you still have to manually purchase the crypto Or you could get a bag of something that is valuable, long term embraced already, and cheap in this low moment (Stellar, AAVE, Algorand, Cardano, Tron, Solana... they will all see the day again and you will have done well within a year or two)

Zaytion_

Crypto is about surviving, and that includes mentally. If you have too much skin in the game, take some off the table. You don't have to sell everything. Just enough to sleep better at night. Sell maybe half and see how you feel. You can always buy back. Maybe take that half and stick in in stable coins and put in into defi. Something simple with clear use case and yield like 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.

AutoModerator

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.