APR

Cr0uchPotato

I mean, it’s better than 36%, but you’re still losing money to interest. You should be trying to gain APY, not pay APR.

meccaleccahimeccahi

It’s APR. but also Coinbase pays 3.75%

shpeucher

3.3% would be APR. So about 0.27% per month

MobilePenguins

The U.S. bond market is in trouble, banks may be in trouble to to fractional banking and people making withdrawals, the last thing they can handle right now is millions of people selling U.S. dollars to put money into crypto accounts earning APR, especially if it doesn’t settle in dollars. It’s almost as if we don’t need USD.

AggravatingGuest1956

1000-1250R a month in Nubank R Bond. It’s what 14% APR rn? The rest into BTC. You can also divide that up and convert the R to USDC and stake for 3.4%? APR if you want exposure to USD. Nubank IIRC also gives you Exposure to EWZ and VOO if you want to go along those lines. My wife is Brazilian and we put away 500-750R a month into the Real (Reis?) Bond.

jawni

on stonkfun you can pair your coin launch up with another coin that will get you airdrops of the paired coin as long as you hold the other coin. ZCAT was the first big one, and holders of ZCAT got dropped ZEC, which likely helped ZEC, at least a little, to have the pump it's having. KNOTS is the second biggest and holders of KNOTS get dropped STONK which is the launchpad's own token. So as you hold KNOTS, you get STONK, and because KNOTS is launched through stonkfun, it helps create more demand for STONK, which lets them do buybacks and burns. So as KNOTS gets more popular, it helps STONK, which means the STONK you get airdropped hopefully gets more valuable and gives you an additional reason not to sell. And it's a pretty sizable amount airdropped, the APR would be well over 100% at the current pace. For example, earlier this week I bought $100 worth of KNOTS (now worth $1500), and I've already been airdropped $50 worth of STONK.

CoinRabbitFinance

Hey! The 1.9% only means much after you check the tier and LTV needed to get it. Someone trying to borrow against Bitcoin without selling should compare the rate at their actual loan size, where liquidation starts, how interest accrues, and whether holding a platform token changes the deal. CoinRabbit’s loan calculator shows APR alongside the selected LTV, so it can be used as one comparison point rather than treating the lowest advertised rate as the whole offer.

RoyalShimmer888

Yeah, I’d consider it if you’re planning to hold the AAVE long term anyway. On $4,200, a 5% APR would be roughly $210/year before compounding, so it’s a decent way to earn something while holding. Just make sure the 5% rate actually applies to your US account and AAVE balance, and factor in the extra custody/platform risk of moving it from Kraken to Nexo.

Felman-Gatdet

0% APR sounds great, though you do have to factor in the 1.5% - 2.5% origination and renewal fees every 30 days. Still, capping the LTV at 30% seems like a safe buffer against sudden liquidations.

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Post is by: coinsocialbase and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1wa4u42/bnb_mentions_just_hit_217x_their_normal_average/ Noticed BNB chatter spiking pretty hard the last little while, so I dug into what's behind it. Mention volume hit 286 compared to an average of 132, which works out to about 2.17x normal levels. That's a real spike, not just noise. The two things showing up repeatedly in the conversation are the xLEX launch on BNB Chain and a Binance wallet DeFi promo advertising up to 20% APR. On top of that there's chatter about potential partnerships and collaborations tied to BNB Chain, though those seem more speculative at this point. Sentiment across the mentions is leaning bullish, people seem genuinely excited about the mainnet activity and the wallet incentive. What's interesting though is that price action in this same window has stayed flat despite the mention surge. Usually you'd expect at least some short-term price reaction when social volume doubles like this, so the disconnect here is worth noting. Could mean the news hasn't fully priced in yet, could mean it's mostly narrative/hype without matching capital flow, hard to say from mentions alone. Anyone else seeing this xLEX/wallet promo combo talked about elsewhere, or think this is just typical launch-week noise that fades out? *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.*

Alternative_Week3023

10% APR is very high. Don’t borrow to buy BTC. Learn the habit of DCA. Besides, unless you own your own company, nobody is indispensable.

the_cham3le0n

I have only used “Lava”. Easiest platform to look at (plain black and white). Fastest transaction withdrawing my Bitcoin and receiving my Bitcoin whenever I need to get it on or off the platform. They are very clear about not re-hypothecating. No need to use wrapped Bitcoin or anything like that, you only use native Bitcoin, USD, and stablecoin off-ramps. Market leading APR (5% to 6.5%). Their “capital fee” is 2%, which puts your total rate at 7% to 8.5%. That is way lower than what you’re going to find on Coinbase, Ledn, Strike. That rate is fixed upfront; it is not variable. I’m currently at 7% total. This is an open line of credit, hence the name “Bitcoin Line of Credit” (BLOC). You can draw on the loan as needed, and there is no repayment term. No mandatory monthly payments. As long as your LTV is under 85% you will not be liquidated. There is also an auto/liquidation protection feature where Lava will only borrow the necessary amount to protect you from liquidation if price drops too quickly. You can borrow up to 60% of your Bitcoin’s value. Last thing, they offer a Visa secured credit card where you can basically load up the card and earn up to 5% back in Bitcoin rewards.

Big-Finding2976

I can get 4-5% APR on savings in the UK. Stable coins aren't paying 10-15x that. I can trade after hours with IBKR, in a tax-free ISA.

ir88ed

I love the idea of BTC-backed loans, and this approach can be tax-efficient. But with a typical 50% LTV, if you have $1M in BTC and took a loan against half, the lender only gives $250K. At 12.9% APR, that’s over $32K/year in interest. Also BTC is volatile so borrowing at 50% LTV doesn’t leave much room before margin calls or liquidation. I still prefer the "buy&hold, sell when money is needed" approach.

CoinRabbitFinance

Hey! I’d put the liquidation terms ahead of the advertised interest rate. A cheaper loan can become very expensive if a sudden BTC drop triggers a full liquidation with little warning. CoinRabbit uses a custodial model and does not rehypothecate collateral. When comparing it with other lenders, check the liquidation LTV, whether you can add collateral or repay part of the loan, and how quickly the collateral becomes available after repayment. Those details matter more than a small difference in APR.

Hot_Lychee2234

300% APR scams be like ^

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Post is by: uex_platform and the url/text [ ](https://goo.gl/GP6ppk)is: /r/uex_us/comments/1vnbld0/loans_that_cannot_be_liquidated_full_breakdown_of/ Every crypto-backed loan on the market today carries the same clause: if collateral value falls too far, the platform sells it automatically. No permission asked, executed at the local bottom, position gone. March 2020 liquidated over a billion dollars in a day. 2022 repeated it at scale. Most of those positions would have recovered within a year. The forced sellers never got the chance. UEX.US is launching Safe Loans next week: loans where liquidation does not exist. Here is the complete picture, including the costs, because the costs are the point. **The core mechanic** Borrow against a crypto portfolio at up to 60% of its value. If the market crashes and collateral falls below the loan value, below it, not near it, nothing happens. No margin call, no partial sale, no countdown email. The collateral stays attached to the account until the borrower repays and reclaims it. The market can do anything in between. **The structures** \- Open-ended: no repayment deadline at all. Repay next month or in two years, plus accrued interest, and the assets come back. Indicative APR range 35-75% depending on loan-to-value. \- 6-month term: indicatively around 25% APR. No liquidation during the term. At maturity the loan settles against collateral; if collateral does not cover it, the remainder is still owed. \- 12-month term: same structure, indicatively around 35% APR. There is also a one-time opening fee, paid in $UEXC, priced individually on account history and assets. For some profiles it is modest, for some genuinely high. The exact quote appears on screen before acceptance, and nothing is charged until accepted. **Where the borrowed funds go** Safe Loan funds stay on the platform for trading. That is the design, not a restriction hidden in fine print: borrowing against a portfolio to trade more, without selling what you hold, is the use case. Containing the funds is what makes the no-liquidation guarantee financially possible. Cash-out needs are served by the standard loan product (up to 90% LTV, normal liquidation rules, lower cost). **Why the math works** The model is insurance, applied to lending. An insurer prices each policy on individual risk, collects premiums calibrated to that risk, and stays profitable across the book even though some claims pay out. Safe Loans price the same way: the one-time fee is the underwriting, the elevated APR is the ongoing premium, and across the whole book the premiums fund the drawdowns the platform absorbs. Insurers have run this model profitably for three centuries. It has simply never been applied to crypto lending at this scale. **The honest caveats** \- The cost is real. 35-75% APR on open-ended loans is far above standard lending. The payment buys certainty, not cheap money. Anyone comfortable monitoring their collateral ratio gets a better deal from a standard loan. \- The obligation is real. Walking away means the collateral stays locked and the debt remains. The product removes forced selling, not the loan itself. \- Fixed terms settle at maturity. Shortfalls are still owed. Only the open-ended version waits forever. \- All APRs and terms above are indicative until launch. Final conditions arrive with the product in official channels. A companion product, Loan Investment, launches alongside: fixed-term participation (3 to 36 months) in funding the Safe Loans book, next to the platform treasury and financial partners. Backed by the company and its partners, and general investment risk applies, including possible loss of invested funds. **TL;DR** UEX launches loans next week where liquidation is structurally impossible. Up to 60% LTV, open-ended or 6/12-month terms, APRs from \~25% to 75% plus a one-time $UEXC fee, priced like insurance because it is insurance. Expensive money, absolute certainty, and the borrower finally chooses which one matters more. Rates and terms indicative until launch. Not financial advice. *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.*

TerminatedPotato

I would have told him to focus on paying the loan off. Learn from the lesson and don't ever take a loan with an APR like that for anything. And hold the Bitcoin long term.

Dani_Bolsa

Yeah, that paranoia is justified after Celsius and BlockFi. I got burned by a platform that looked fine until the rules changed mid-trade, so now I care way more about custody, liquidation mechanics, and whether they actually have a real risk engine than the shiny APR number. If you want a more trader-style setup on real listed stuff, 50K Trade is closer to that - regulated, segregated custody, and not some sketchy CFD wrapper.

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Post is by: InterestingBridge518 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/KaitoCrypto/comments/1vnuqyx/title_kaito_short_interest_is_nearing_absolute/ Keeping an eye on the derivatives and on-chain data for $KAITO right now, and honestly, the setup is looking completely unhinged. If you love a textbook squeeze narrative, this one is checking every single box. Here is a breakdown of what’s actually happening under the hood: * **The Open Interest is Massive:** We're looking at **$76.15M+ in Open Interest**. With a circulating supply of roughly 241 million tokens, that notional derivatives exposure accounts for an insane chunk—roughly **80% of the entire circulating float**—stuffed into perpetual contracts. * **The Funding Rate History:** After days of absolute carnage where funding rates printed multi-thousand percent annualized spikes (with severe negative prints deep into the -1,000% to -3,000%+ APR range), the hourly bleeding has cooled down across most major venues. Because the immediate financial emergency dialed back, shorts think they’re safe. * **The Whale Accumulation / Float Drain:** While the price has chopped around local support ($0.42–$0.43), spot whales have quietly been absorbing the sell pressure and pulling tokens off centralized exchanges into private custody. The actual liquid inventory on order books is drying up. * **Technical Compression:** RSI is sitting in the lower-neutral zone (\~41–48) with momentum oscillators flashing oversold on lower timeframes, forming a tight descending/falling wedge right above support. There is plenty of room for an explosive move up without hitting technical exhaustion. # The Verdict The shorts feel comfortable right now because the price action has stalled and the hyper-negative funding rates have normalized from their absolute peaks. They think they've successfully beaten the price down. *However*, they are trapped with nearly 80% of the float tied up in paper contracts against a heavily depleted exchange supply. All it takes is a localized wave of spot buying or a break above micro-resistance to invalidate the bears' thesis. When those trapped shorts are finally forced to cover against a thinned-out order book, it won't just be a bounce—it's going to trigger a violent liquidity cascade. Anyone else tracking this or watching the order books? What's your target if this unwinds? *(Obligatory NFA, just tracking the data.)* *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.*

PuzzleheadedHuman

Ranking custody and liquidation mechanics above APR is the right instinct, and I'd add one split the thread is glossing: CeFi and DeFi fail differently, so "what matters" is a different checklist for each. For the CeFi names (Ledn, Arch, and so on) your list is correct and it's fundamentally a trust question - who holds the keys, rehypothecation, and their discretion on a margin call. You're right that the margin call is when you find out, and the tell is whether the terms are mechanical and written down or discretionary. For the DeFi option (Aave), there's no discretion to trust: liquidation is mechanical, "partial vs full" is set by the close factor (Aave liquidates up to 50% of the position per call, not all of it), and there's no rehypothecation because the collateral sits in the contract. The risk just moves - to whether liquidators can actually fill at the price you get liquidated at. On a violent BTC drop, if that liquidity isn't there the mechanism still fires and the slippage comes out of your pocket. That's a big part of what made Oct 10 so brutal. So the one thing I'd add to your stress-test: don't just model a 50-60% drawdown against your LTV, check whether there's real exit depth at that price, because a clean margin-call policy doesn't help if the book is empty when it triggers. Disclosure: I work on market data at Coinpaprika/DexPaprika, so the depth/liquidation side is my bias - and to be clear, the CeFi custody question that's your main worry is outside what I can measure, that part is counterparty due diligence. Copy

Upset-Guard383827

Given the Celsius/BlockFi history, I’d rank collateral architecture and liquidation mechanics above APR. A 10% loan with clean custody and predictable partial liquidation can be safer than a 7% loan with opaque collateral reuse. I’d also stress-test the position at a 50–60% BTC drawdown before borrowing anything. The ugly weekend is when the real terms matter.

shelby_xx88xx

There are BTC loan products, but APR needs to be more competitive and of course you have margin call risk. Coinbase BTC Yield Fund is interesting, but only for whales and institutional players.

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Post is by: Wise-Risk2936 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1ve6jqg/we_tracked_238_markets_across_11_exchanges_for_19/ Funding arbitrage — short a perp on one venue, go long the other leg on another, collect the funding spread — is the most advertised "delta-neutral yield" in crypto. Every dashboard sells the same picture: 30–80% APR, basically every day. Free money, on screen. We wanted to know how much of that survives contact with real execution. So we recorded funding, order books and fees for 238 markets (13 assets across 11 venues: Binance, Bybit, OKX, Bitget, Gate, KuCoin, HTX, MEXC, Hyperliquid, dYdX, Paradex) every few seconds for 19 days. Then, instead of screenshotting the peak APR, we replayed what a disciplined trade would actually earn. The rule. Enter only after a carry has held above 6% gross APR for 24 continuous hours — a deliberately low bar, meant to catch carries that last, not 40-minute spikes. Enter at the end of that window (no hindsight). Hold while it keeps paying at a real $10k fill (slippage included). Net realized = funding collected − round-trip cost. 1. Perp–perp, cross-venue. 435 carries cleared the 6%/24h bar, 413 (95%) executable at $10k. 0 of 435 repaid their round trip. The best one missed break-even by basis points. This isn't missing edge — it's fees: switch taker→maker and 3 barely clear. The spread is real; the round trip eats it. 2. Cash & carry (short perp + long spot, same venue). A weeks-long position, so we measured it honestly: hold every entry to today and ask "is cumulative funding ≥ round-trip cost right now?" 205 entries, all executable. 0 above break-even at taker fees (at maker, two clear — barely, and both are still open). Median cumulative funding: −0.4% of notional. Different strategy, same wall. 3. The weirdest thing we caught. HTX showed ZEC spot at −380 bps vs everywhere else — a monster arb on any raw table. ZEC withdrawals there were suspended; the "opportunity" was the market pricing the risk you can't get your money out. A scanner that doesn't check withdrawal status sends you straight in. 1 of 239 markets, filtered automatically. Caveats, stated plainly. 19 days, one funding regime, $10k size. A sustained high-funding regime could change the perp–perp picture — which is exactly why we keep measuring. But on real order books, in this window, the loud APR did not survive its own execution. This is not "funding arb is dead". The spreads are real and opportunities do show up — but there is no free lunch: after fees, slippage and rate decay, what's left is smaller and rarer than advertised, and never risk-free (the ZEC case above is what "risk-free yield" looks like up close). The gross number is the ad; the net number, at your size, after the round trip, is the trade. *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.*

BestialitySurprise

I wouldn't eat the 7.5% APR to hold more BTC for the short-term. When Covid hit, If I thought that was a good investment, I'd go take out a couple million and buy right now. But despite that I have a line of credit with my bank and easy access to loans for my house and warehouse, prime rate right now is a bad deal with assets collapsing. Now is the time to play it safe and buy in when everyone is in a panic. BTC hasn't seen the full brunt of a recession, yet. It will not be impervious to the demise of the financial sector.

headee

I was looking into Cryptocurrency Loans recently too, and one thing I learned is that it's worth comparing a few platforms before committing. I checked out CryptoPawn alongside Coinbase just to compare loan terms, APR, and collateral requirements. Even if you go with Coinbase, I recommend understanding the liquidation rules first. Taking a little extra time to compare options gave me a lot more confidence.

joos_hubert

For a closing next week, I would treat timing and source-of-funds as the first filter, not APR. Before choosing Ledn, Morpho/Coinbase, or Unchained, ask the title company/lender whether loan proceeds backed by Bitcoin are acceptable, what documentation they need, and whether the cash has to be seasoned. A cheaper Bitcoin-backed loan is useless if the fiat arrives fast but underwriting rejects the source. After that I’d compare the ugly-day terms: starting LTV, margin-call level, cure period, automatic vs manual liquidation, custody/rehypothecation, and how quickly you can add collateral. For a house down payment, I’d size it so a bad BTC week does not put the closing and the stack at risk.

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.