APR

StapleVelvet

Stake cake on pancake swap auto compounding for 70% APR

ixtechau

Yeah LP. The APR is great.

vickangaroo

OSMO (the native coin of Osmosis, which operate the Osmosis Lab, a DEX, in the Cosmos Network) currently has a staking APR of about 120%. It’s down from the 500% in the summertime when the DEX first launched. It’ll continue to drop as more people continue to stake their coins and as others add their coins to liquidity pools in the DEX. I won’t claim that Osmosis (or any coin) has any guarantee to remain popular or successful in the future; it isn’t the only DEX in the Cosmos Network. I don’t recommend any investment without research and understanding the purpose of that specific crypto-project. I also don’t suggest blindly holding any coin

toxic_anus616

He could have been nicer, however Osmosis as a platform is extremely simple to use :) There are risk like impermanent loss and I’m sure my taxes won’t be simple this year but the APR is real.

onelazykoala

What's APY/APR ?

QueenBaluli

I realized how bad my finance knowledge is, when i have to study to understand the difference between APY and APR. It's great for banks, that people keep their funds on accounts with 0% interest.

smellslikefish6868

These days it might be best for us to go to church and pray for a good continued alt season. Watching the charts is less productive. O lord may I see that sweet heavenly APR

lock_the_backdoor

What happens if they find out? Lower APR?

beIIe-and-sebastian

YLDY is an ASA on Algorand. (like ERC-20 on Ethereum) YLDY is the yield token of the Yieldly platform. You can stake YLDY for more YLDY at 34% APR or other tokens on the Algorand blockchain.

t_for_top

3. My credit is shot and 30% APR is criminal

Abiii90

10% extra from the perfect APR.

Lucky02BE

Harmony ONE, ~9% APR with low cost transaction fees

FromAtoZen

Can you elaborate how to get 34% APR on Algo??

rinbinxin

AFAIK, they had 1Bil in TVL within one week of release lol. They have 505% APY on EGLD/USDC pool but I remember seeing 5000% APR a week back. They are quickly dropping

limhy0809

Osmo/Atom LP, 125% APR for Osmosis. Osmosis is an amazing exchange and Liquidity provider. Currently the only on Cmthe Comos Network. Really bullish on Osmo!

Okay_Crazy

You’re lucky. I didn’t even know what crypto was in February of last year. But I’m lucky to have found them now. It beats every APR I’ve had up to this point and it’s easy to keep track of. :)

Ramanticasf

DYOR. Also, just cause some coins have High staking APR's doesn't mean they are gonna be a good long term hold. For eg- Look at CAKE and thank me later.

Randomized_Emptiness

My BNB stays stakes at currently 25% APR. Ain't no one getting any of that.

Raaaaafi

OP did you consider the Anchor Protocol on Terra? Currently there's even a 1-2% APR on taking out a loan. Plus its completely DeFi, other than Celsius (CeFi). Don't get me wrong, I love Celsius and am a user myself, but i was thinking the same you do only with Terra.

codywithak

Yieldly doing YLDY—>ALGO at 34% APR right now.

katiecharm

I took an $8000 loan at 35% APR from a predatory lending company to go all-in on Monero at 35 cents back in 2015. Then I used that Monero as collateral to go 200% margin long… in Monero. If it had gone down to like 24 cents I would have been liquidated. But it didn’t, it went to $30 each.

Killer_Stickman_89

Don't be a fool like I did and think you ever earn anything worthwhile passively by using things like Brave. Buy coins with money. A lot of real money. Then find a way to either stake them or just hold them somewhere for the highest APR/APY that you can get. Be sure that the sites or wallets that you use are legit so you don't get scammed or something.

MrQot

High hardware requirement = centralization of nodes. Maybe that's not a concern to you, that's fine. But it also means nodes more expensive to run. Low fees are fun for the user on the surface but fees are essentially protocol revenue. There's [$90M annualized](https://www.tokenterminal.com/terminal/projects/solana) in fees collected for [$5 billion](https://www.stakingrewards.com/) handed out to validators per year (staked value time APR). Makes you wonder where does the extra $4.91 billion come from?

mbrown913

Borrowers make back whatever interest they are charged from the rebase. Borrower borrows 100 AMPL 5 percent rebase incoming. Borrower pays 167,000% APY (evaluates to 2% APR a day) Borrower takes home 3 percent profit, after the borrowed AMPL is rebased to 105, they are able to pay back the 100 borrowed ample plus the 2% interest fee.

Ismoketomuch

Osmosis Dex provides 100% APR on CRO/Osmo Liquidity Pools. Been farming Cro for about 5 months. Great Coin.

dont-respond

That's Crypto Earn, a totally different program. It's lending rather than staking. You will receive 10% APR if you get Indigo/Jade: https://crypto.com/us/cards

techdir-deft

Thanks. I'm still confused, however, because I just found their calculator. I'm going to start on the indigo/jade level but their calc shows a 6% APR if I stake $4K Am I looking at the wrong info? https://crypto.com/us/earn

MoonGuild

12+2% APR on stablecoins like USDC at 3 month stakes (with Rose/icy+).

loch_shar

I move the money around a bit as I'm always following the highest APR. There is some good stuff on the celo chain but it is a pain in the ass to bridge the money across.

Far_Store4085

Overdraft APR is normally in the 30+% range, so if you're not able to clear it quick then it's very expensive over the medium to long term.

Xurgiok

Couple of things to consider are the interest rates on the debt you have. I can lend out my BTC at ~6% APR and my stablecoins from 8%-12% APR. I know credit cards can pretty high at 18%-22% so pay those off. But if you have bank loans in the range of ~2%-5% it may be worth just lending your BTC.

paulos1899

I have not used it yet but I read something like 40% APR for Algo, hopefully somebody more knowledgeable will answer as I am still reading about it and don't want to tell you something wrong

bisectionaliyahr5

The highest APR I have ever seen on DeFi is the 3 million APR offered on sienna swap right now.

RandoStonian

You can borrow against the rising value of your coins tax free at low interest rates (I've gotten as low as 0.75% APR). Invest the money in something that'll eventually repay it's own loan + interest. Eventually, you'll be left with a new income producing asset you paid nothing out of pocket for, *and* your (likely now more valuable) BTC collateral returned to you.

fnetv1

I would have explored the idea of getting the money from other sources before considering the idea of selling most of my crypto portfolio. For example: ask yourself what would have happened had you not had any crypto? Where would the money had come from? I am sure your family would have gone to the bank requesting a bank loan with possibly a very favorable APR, a bank loan your family could pay little by little. Instead, you obliterated what possibly could have been your retirement nest egg (your crypto) that had the potential of making you wealthy in the future if the prices of crypto keeps on rising parabolically. You can't probably go to the bank to take out a bank loan to replenish your crypto portfolio balance because banks don't approve loans for investment purposes, but banks could most likely approve loans for family emergencies, etc.... Not saying what you did was wrong, just saying what I would have done first before considering liquidating my cryptos.

Phaleel

It's incredibly easy to lose a lot of money quickly day-trading. The learning process is brutal and it should whoop your ass for good reason: a healthy respect for the market is a must. That being said, there are clear opportunities to trade relatively safely. You won't win them all and you should mitigate your losses and accept them as they come too. My last 7 trades were winners, netting me 9% on my money (goes back into stake with LRC and LTO), so 7 trades netting 9% should give you a fairly decent idea of either the size or duration of my trades. Keep in mind, simply averaging 1% on your money per day, for just a year give you an APR of 3678.343%.

JohnCrewss

Good question! I don’t want crypto’s to be adopted by banks at all, honestly, because that defeats the ENTIRE purpose of cryptocurrencies existence. Decentralization! I would like things to remain how they are but, unfortunately, when the bankers and the mega rich REALLY get on board - they have a foot on the deck as it is - they could hypothetically begin to buy up every coin in existence if wanted. Endless wealth. So every time someone sells they buy… Eventually they’ll have it all anyways and crypto’s will no longer be decentralized - *technically*. Btw, this is only a doomsday scenario. This is easily doable I think - unless someone made a way (beyond my knowledge, would love to learn if anyone has an explanation) to prevent coins from being owned permanently by one user. Thing is, right now? I can go to my bank, take a loan and pay like, idk maybe 5% APR on that loan. I can put that money in it’s entirety into an exchange of my choosing and lend out USDT or other coins at rates over 30% and sometimes as high as 60% APR when the market’s HOT..

Star-Fever

I'm in the same situation, and it's a great one to be in! Started with a substantial but "willing to lose it" sum. Now it's too big to lose. My tactic has been to gradually DCA some of it to stablecoins. Once a week I just bite the bullet and withdraw a few percent whether the market is up or not. My sorta-safe havens are: Mojitoswap on the KCC network (Kucoin Community Chain) offers around 30% APR on USDT-USDC farming. That APR probably won't last but it's been fairly steady for now. Beefy on Polygon autocompounds for around 20% APY on MAI-USDC and rUSD-USDC.

westcoastgeek

Most likely I believe it’s APR not APY so the interest doesn’t compound making the return less than it might seem. Though it’s still really good

CreepToeCurrentSea

Staking those juicy cryptos with ungodly interest rates. Bankers can't even fathom triple digit APY and APR.

scracer14

If you LP with established farms and with reputable tokens, typically the APR outweighs IL over time. That said, if a coin goes up 400% in s short time, you may lose out due to IL. I mostly provide liquidity with chain tokens like AVAX, ONE, FTM, ATOM, LUNA etc. I am overall bullish on all of those tokens, but I doubt they will 4x in a short period. Im happily making .3% - .6% per day providing liquidity (especially in a sideways or bearish market). BTC - ETH on Tarot is one that has been killing it for .3% per day since September with virtually zero IL...

Cyhawk

Test was posted below. Warning: Requires your email to get your answer. Couple of questions about the history of BTC and specific naming conventions that ultimately don't matter. Also they slip in "Select all that apply" in random parts of the questions. Finally, ALL of their "What is an NFT" responses are incorrect. The creator of this test doesn't understand what an NFT is. There are some basic financial literacy questions in there too that are actually really good (ie, you have a yield of 6% APR and Inflation is 5%, do you have more/less/same at the end of the year?) Most people wouldn't pass even if they understand it. I suspect this is someones intro to sociology homework.

SpiteFuzzy4501

Some platforms offer small amount of APR on your bitcoin. Celcius, Crypto. I'm assuming they are one source the fatcats borrow from.

thefirescale

The average APR for a savings account is 0.05% - how is 3-4% of an appreciating asset shitty?

-Pruples-

Tom borrows $10B from Bob at 7.56% fixed APR with a 30 year repayment schedule Bob borrows $20B from Tom with a 9.04% APR with a 10 year balloon ​ And that's oversimplifying immensely.

Blocks_and_Chains

I have an Eidoo card as well! Best deal on the market honestly - good perks and the biggest cash-back! Plus additional staking rewards for the amount blocked to request the card (21% fixed APR if we also vote in the DAO). Eidoo is superior to everything that’s available right now.

jasonluxton

Payday in 3 days, but I’m sticking with stables for now, parking it somewhere for 20% APR and waiting for a proper dip or DCA when sentiment is better.

morningjoana

I am holding my BTCs on Hodlnaut and earning 8% APR. So far so good.

pp_conisuer

I need to go do this right know and ditch the 5% APR I'm doing right now

MiguelLancaster

It's a promo rate, offers for which are in abundance if you have decent credit. It's easy to get a 0% promotional APR for anywhere from 12-21 months. The fee is typically 3 to 4% of the balance transferred, flat, so effectively that is your APR unless you get a term longer than 12 months (which is common) and thus a lower effective rate. Either pay the balance in that period or rinse and repeat with a new offer. It's still a fairly irresponsible strategy, though, unless your assets have already appreciated so much that your risk of insolvency due to a crash is essentially zero.

poky23

Yea I’m looking to get a loan on this girlfriend, preferably at a 3% APR.

realcarmoney

Cronos network is still in its infancy its worth a deep dive. It's really easy to with their migration and bridge built into there defi wallet. From there send to metamask and explore. Only vvs finance built into the wallet app. Other dex include cronoswap and chronoswap I believe. APR for staking tokens went from over 300k to 20k. Do some research.

divisionibanez

My grandparents asked me to put 5 figures worth of their own cash into DeFi Kingdoms on Harmony, so they could tap into that sweet sweet 700% APR, with ability to compound daily - thus an APY of 102,530.76% or so. This is gonna be an interesting weekend.

Da_Dud3

i am really sorry for your loss. I tried to read the comments, but i didnt understand exactly what you did. Did you authorize a third party site to access your wallet funds, and they just stole it? So... what did these guys promise you, in order to go and connect to that site (out of curiosity and for us to case) some insane APR pools? Also...never forget an old saying... "Never keeps all of your eggs in the same basket", AKA same wallet. As the community well said.. just move on and try to leave this behind!!

dankernuggets7

12% APR on Voyager is tempting...

ugene1980

Can get 12.92% APR on defi Wallet currently, (paid daily) so you can manually claim and restake rewards for even higher APY

Krokadil

Pack of 20 costs $30 where I live so I just make sure to DCA into CIGS to maximize the benifits. To top it off you can stake parts of your cigarettes to the BONG wallet which gets you 12.5% APR in WEED, which also burns some WEED making it a deflationary asset getting you higher and higher until you get to the moon.

CrowdGoesWildWoooo

Let’s just use Aave for example because Aave is on matic. On ethereum is cheaper, but definitely not practical for average joe. We are looking at almost 1000 usd from opening to closing your position in gas fees. Aave offers for stable coins 4% currently for variable but this can go up to 16% occassionaly but iirc 12% APR (not EIR) for a stable rate. In my place i can get a quick loan that is 7.5% EIR, this is using personal line of credit, aka personal loan. Second, it’s not as capital efficient, or at least directly comparable. A lot of loans by TradFi are offered with 0 collateral which is already way “better” compared to DeFi because loans are collateralized. Practically banks bear the risk of you defaulting, if they charge “extra” it is still justifiable to a certain extent. Still on the topic of capital efficiency one big example is you Pretty much have to have networth x times of the house price, while with mortgage you can have a house with “promise” that you can pay it back.

PME_your_skinny_legs

You stake your cro and you get paid in a random coin, usually with higher APR than usual. I got Shib, BTC and many other small altcoins

DirtySprite07

yeah I meant the farms, i messed up in the post. APR is the way

_s79

I would recommend the farms over the mines. APR vs APY

TragedyStruck

If counting HND APR: \~25%

nopi_

ATOM/ROWAN and ROWAN/UST pools on sifdex have 300% APR right now if anyone has some from the airdrop.

Vlox47

The point was to see if the primary methods were worthwhile, and they aren't which in my mind is a failure. This isn't about trying to offset the fees with exorbitant risk in wild projects to earn 200% APR which I won't comment on whether people should or shouldn't be doing.

Tyanuh

This reads as somewhat of a relieve when compared to the stuff written into the infrastructure bill in the US. As an EU citizen this gives me slight hope that the US might change the course they're on, because if they don't it will set back DeFi by a lot. (US is still the main force in crypto.) First realization is also that this probably means that binance and others will probably disable trading in USDT for European citizine in the not so distant future. Hopefully this will be replaced by a Euro stable coin on which I'll be able to get some APR. That would be amazing.

Nickel62

Also remember, with ETH 2.0, Ethereum will be Proof of stake. You will be earning full network fees by staking them. Right now the APR of staking ETH is around 5%. This number will be much higher after ETH 2.0. when people realise this, they will buyback the ETH that they sold.

dbreidsbmw

I had unrealized gains of over 300k this year from crypto. My mental health isn't great. Had a covid scare and set up my a living trust to find education for those that don't have the same opportunities as I did should I die. While my profits aren't that great compared to March, I sleep easier knowing if something happens. In ten years there's going to be a perpetual scholarship(scholarship = sub 50% APR) run by dear friends that I've talked to and trust.

Rebubula_

I know on trader joe there’s 20% APR on just UST stablecoin (no pair) that pays 20% in Joe I believe. I like TraderJoe, made a lot of money on that defi platform

CalculatedLuck

BNB is seriously one of the best coins to own: - [25-30% APR Staking](https://www.binance.org/en/staking) - Deflationary - supply being burned quarterly until it’s down to 100mil - BSC is fast and cheap to use - Trade fee discount on the most used exchange by far - CZ is a genius leader

readit-on-reddit

APR* APY is usually reserved for when that is the rate paid to you. 'Y' here stands for yield and your yield is not 18%.

Brad-121

Yield farming. TIME on wonderland is giving crazy APR right now. Can put whatever you have in there and let it build

Doghead_sunbro

APR?

solemnJoker

I'm using it. It's legit. But you're 217% daily is very wrong. I suggest you read about APY, APR, and compounding.

uomosigla

Protip: i you have some BNB you can get a quite safe 20% APR. Of course it still comes with the risks associated to BNB (centralisation, trust in Binance and so on)

Michael__X

In case someone's reading this and is planning to follow through with staking keep in mind people have been staking at 5-3k% APR for a couple days + compounding. Can't imagine what happens next 😑

djjoinho

In case you guys don t know what EGLD's recent pump was, they just launched their DEX with a governance token of its own, MEX. A new token will be listed soon, and adding EGLD/MEX to the liquidity pool currently has an APR% of about ~1800%

tilltill12

CFG, but not expecting a major pump until next bullrun tbh. Since it connects to the real world by tokenizing real word assets, it will likely take a while until people notice (likely a bear market when all APR drop besides this one). But it's actually unique and has a needed product that is already working so it will have its time. Currently 44 million DAI locked.

ciaramicola

Pooled cro/osmo this summer. The APR was insane. Too bad Cro pumped so fast that during my 14 days unbonding period I got rekt by impermanent loss. Still nice gains thanks to the price rise, but a bit salty I got lazy and didn't unbond sooner when I already decided to do so. Well let's hope the incoming airdrops offset that a bit. (Many cosmos ecosystems airdrops rewards who pooled in osmosis beside stakers)

ChasTheGreat

Yes and it's fun as hell. And risky. But I think the risk is worth the reward, and it's pretty fun. I keep about half my stash on Ledn bc they have no shitcoin to buy (like Celsius and [Crypto.com](https://Crypto.com)). I like the income and they show a daily total of the interest you made that month and for all-time. It's paid in bitcoin, so its just stacking sats every day. The other half I stake on Aave (Polygon), then borrow USDC and buy more bitcoin (WBTC) with some of it. Aave only pays about half a percent on staked WBTC. The real power is being able to borrow instantly up to 70% of your staked value. Recognize that borrowing is the same as shorting. I have played with borrowing Matic when it reached $1.90 and converting it into USDC. Then when it sunk to $1.60 I bought it back. That's 15% in a few days. I've done this 3 times now, buying at 1.55, selling at 1.90. Matic mostly stays between 1.20 and 2.20. Fun, but risky. You can also borrow USDC, then stake it in one of the many QuickSwap pools. For example, I borrowed USDC, converted it to DAI and USDT, then staked it on QuickSwap pool making 20%. They are both stablecoins, so no worry about losing value. You aren't making 20% on your bitcoin really because you can only borrow to 70% and you SHOULD only borrow to 50% to be safe. But, if you figure 50% borrowing power, that's 10% interest on staked WBTC. If you want to earn even more, take the dQuick that you earn from staking the stablecoins, and stake it in the dragon's lair to earn for an additional 30%. It's a pretty risky move, but it's all mined dQuick, (not like you bought it), so it's really only a risk of opportunity. \[I have a friend that takes this one step further and takes the Quick that he earns in the Dragon's Lair (Quickswap) and stakes THAT to make ELON on the Dragon Syrup section, which makes another 30% on those earnings. That's too deep for my tastes, and I can't even calculate that APR from the original WBTC\] Now, the whole reason to earn interest is just so you can buy more bitcoin. It's a risk and I've learned you don't even visit a site unless they've been active for at least a year. But Aave, Quickswap, Balancer and Curve don't seem to be going anywhere, at least for now.

National-Shirt-9670

I just bought VVS in Crypto.com app, its like pancakeswap built on Cronos blockchain and offers some good APR and APY. The price is now $0.0001361, looks promising.

oechsfghfghfg

We will be launching a surprise staking pool within a week! Coin We also offer staking pools to earn $KIBA, $FLOKI, $OKLG & $SHED Leave other suggestions in comments ​ ​ 240% for Staking shed for Shed 340% For staking Shed For Floki 604.64% APR Staking Shed for Kiba 800% staking Shed for ............? You Choose?

reed5point0

Quite common on COSMOS to have over 100% APR/APY since it's based on overall TVL. Less people staking or providing LP higher % etc. [Osmosis](https://app.osmosis.zone/pools) and my personal favorite Yield Optimizer on the COSMOS exosystem is Btn Grp aka [BUTTCOIN](https://btn.group/secret_network/pools)

drbobbean

You're getting 65% APR, right? That shit is ridiculously impressive...maybe ill start doing it, that shit is too good to pass up.. any other pointers and/ or pitfalls to be avoided?

HorrorBad8583

Buy ATOM. Create OSMOSIS wallet. Swap 50% value of ATOM to OSMO. Stake for 14 days. Check difference between APR and APY when staking and enjoy the profit every 14 days.

mynewcryptoacct

Can you expand on how emissions are related to APR?

Eivad69

But it's a farm token with enormous emissions (look how high its APR is). I would rather use VVS (or even better auto farm or beefy) to farm CRO-BTC or CRO-ETH.