APY

kumanov88

85k APY, TIME coin ;)

onelazykoala

What's APY/APR ?

Most_Americans

Voyager is really good, they also give rewards for coin kept on-exchange with 9% APY on USDC holdings.

bananapeels1307

I stake my crypto on dex instead of storing in a hardware wallet. If you have say $100,000 and earn 5% APY, that’s $5,000 a year that you wouldn’t be getting if it was on a hardware wallet

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.

TitrationGod

How much CRO do you need to stake? What's the APY?

jaredbdd

I actually considered this too, but eventually decided against it. What I ended up doing is taking all my profits that I've made over the last 3/4 years and out that into Anchor with a solid 20% APY.

Umarzy

I'm getting 88% APY staking ROWAN- also a member of the IBC gang. Planning to be a privacy miner & pool ZKP+ zAssets tokens as well on its interchain Dex to earn rewards And yeah, UST on Anchor for that sweet \~20% APY

ixtechau

Simplified, but: 1. Transform your cash into a stablecoin (let's say USDC) on a CEX 2. Get your USDC onto the BSC network (using something like Meta Mask) 3. Swap USDC for UST on something like 1inch 4. Use Terra Bridge to get your UST over from BSC to Terra 5. Deposit into Anchor Earn for 19.5% APY

mnlmr

Anybody staking on one of those super high APY projects like time / wonderland and care to share some experiences?

Theonlyfudge

Been in VVS from the beginning… 40Billion% APY was nice…. Now it’s *only* about 4000%

iekred112

With the festive period coming up, I'm more into projects that will give me some nice profit. I bought some huge bags of DAFI, RAMP, AIOZ, BNB, SOL, and CERE. these are some nice picks. DAFI gives some nice and high APY while RAMP has been very bullish and also gives nice rewards on staking, AIOZ is a decentralized streaming platform. DOYR. what other coin did I miss guys that I can add to this nice portfolio?

Mo-Crypto

I’m farming Toad and Pad on bsc and movr, high APY’s on stables and blue chips coins.

ElectricMonkey

9% APY on ETH with Invictus Alpha, locked for 18 months. They changed it to 9.5% just after I signed the contract.

bunningz_sausage

"For many of those investing in cryptocurrencies, the goal is simply to get rich, not to build a better world." Well, I don't totally agree. The developer community would be offended at this, your perspective depends on where you consume your media (if it's reddit, then your sentiment makes sense). Crypto is a backlash to the constant and peristant failures of the centralised financinal system. Bitcoin was backlash to the 2008 crysis. Why wouldn't any sane individual want to seperate themselves from their source of wealth being manipulated by some old white guy in a suit in the USA? Guess what: if someone hacked your bank account and stole 6-12% of your money you'd be pretty darn pissed, but when it happens without the number going down most poeple have no idea. Yes there are profit maximilists in this market as there is in the trad-fi market. We need these individuals to have an efficient market. But we are building programmeable money, peer to peer financial markets, digital ownership, competing with centralised corporations like Facebook for the metaverse, making our own crypto reserve currencies (!!) and much more. Many individuals who see the APY's and don't DYOR see it as a scam, becuase it's just \* so insanly better \* than the system we are used to. Some individuals get manipulated by shillers, and some are victims to scams, but all in all it is worth it to gain legitimate finaincial independence from centralised governments who \*do not\* share the same motivations as the indivuals who use the currency. FUD and hype can drown it out sometimes, but if you DYOR you can see through that crap with ease.

alpine_arrow

'Never use leverage' is definitely sound advice for the vast majority of folks. For those of us that would have never been able to achieve what we have today without it, I'm not so quick to say 'leverage is bad, stay far away.' 10-20% APY interest on a loan is peanuts in a bull market as long as you are prepared to exit once momentum shifts and are otherwise financially secure. Leverage can be used responsibly when taking into account a reasonable risk tolerance. And yes, some risks are worth taking.

t_for_top

I think Jade Protocol has APY in the billions

TradeRaptor

You can check out Radix $XRD. It has great fundamentals and upside potential. Currently you get 12% APY for staking with around 80% of the tokens eligible for staking already staked so the APY should stay the same for a long time.

AaarghCobras

He's pushing WAGMI coin. It has a bazillion %APY and we're all obviously gonna get rich and retire. Just like Charles Ponzi.

_-SpicyNuts-_

110% APY on Axie

Crivos

Happy with the 50-80% APY I get at QUICKSWAP

LeakyVaccine94

I've been in crypto for 5 years. I once believed it is paradigm shifting tech but I am now convinced that it is an incomplete solution looking for a problem. The reason it has attracted so much attention is because it operates on a very compelling guise that virtually every person can get behind. But there is no substance. The only meaningful use case I've seen is people being able to use stablecoins in place of their volatile native currencies depending on where they might live. Otherwise, I genuinely believe this shit has proven to be almost entirely useless. Projects which have been 'partnered' with real world companies for years still have zero adoption. Most pilots and proof of concepts are dead. DeFi was an overhyped fad which did not bank the unbanked or accomplish any of its other promises. It's just a collection of convoluted yield farms with pyramid scheme-tier tokenomics. We are all here to complain about inflation, yet with token inflation, your precious staking APY would not exist. Now the market has moved onto NFTs and metaverse which will prove to be another bag of hot air. Most projects do not need tokens to function, either. We also see the same exact power structures that crypto was meant to escape. Almost all projects are controlled by a small group of players. There is still no proven way to ensure 1 person 1 vote without deanonymizing a network. Wealth centralization is worse in crypto than IRL. Crypto is entirely priced against the dollar and that ratio is all anyone cares about. We are only interested in using crypto to increase our amount of fiat. The government would never allow crypto to replace fiat (how would that even work). And if they ever decide to ban crypto trading in a country like the US, prices will absolutely tank. I remember during the 2018 crash and bear market that followed, this sub declared a silver lining. The bear market would purge all of the scams and worthless projects. Fast forward 3 years and the scams, memes, and worthless projects are now worth 10x more and capture much larger amounts of money. That's all this market is about. And people don't care. They are fed up with their economic situation so they will jump on any opportunity to enter the crypto casino. Even the 'legit' projects are no better. What does an 'ecosystem' consist of? A handful of AMMs and DEXs which allow you to swap other worthless internet tokens around, leverage on those tokens, and yield farm those tokens. It is all a ruse. Herba life for tech bros. There is nothing revolutionary going here at all.

tilltill12

KLIMA DAO 30K+% APY. And an awesome project.

SJ0

you can do better if you stake on sites that are dedicated for staking....as they don't require lockup period for great APY. there are plenty of them that allow free withdrawal too....so if you don't like one, just try the next one.

Wolverlog

On Trust? I assume it’s risk free on there? I thought about staking, but how low does the APY get?

upboatsnhoes

Why though? How is that APY sustainable?

winspeargg

Ramp Defi 34% APY

skj4ua

Best i can give is 1 billion APY

monodactyl

I had a stable of stable coin sitting on BlockFi just earning the interest there, about 6% of total portfolio. I've been buying and down to 4%, not much of a dip buy, but feels like I'm doing something. Since it's on blockFi I've been pretty limited on choices, so just been buying BAT and BTC since I had sold off a lot of BTC to buy into other Alts. I'll prob play around with the high APY Olympus DAO forks, a little hedge about price movement and more about time staked.

myphoneislaggy

I'm not aware of any. The APY will definitely decrease as Terra gets more utilised though, so a high APY right now rewards early adopters

Hsiang7

Same with APY apparently, though APY has been going down on a lot a couple exchanges recently.

ChopraMTG1

First few days were nuts with APY/APRs!

tastyskiin

I was getting above 4K in an early KuSwap pool :( I miss the high APY

opic2k

Yieldly Finance, around 35% APY

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

Onetrue01

Dot, Atom and Algo. Strong projects and good APY

10RealDeal10

I happen to be bullish on ONE and if I was to respond to this thread, I'd probably mention it. Those would be my reasons (copying from a post I made several weeks ago): ​ Eth 2.0-like tech functional today - PoS, sharding; It is fast, fees are minimal; Exciting roadmap with bridges being built and interoperability being taken into account; Accomplished team members (founder is Stephen Tse, you can dig deeper about him); Supportive community; Exciting stuff being built on it already (Crypto Royale, DeFi Kingdoms, etc.); 1wallet coming, where you will be able to get 20% APY on stablecoin; It's getting traction marketing-wise - you mentioned you hear about it a lot, also it was recently featured in Times Square in New York; Staking is easy and gives good returns;

dogvocalonly

Also there's a good APY on Opul right now, and that project has potential

390TrainsOfficial

I [stake ETH](https://lido.fi/Ethereum) on [Lido](https://lido.fi). Their current APY is 4.9%. I'd like to participate in DeFi with my stETH but I'm not prepared to pay the ridiculous gas fees, especially as they'll be more than my rewards. It cost me ~$8 to stake my ETH, although this was before gas fees increased. It costs ~$49 now. I couldn't stake my ETH with an exchange (e.g Kraken, Coinbase) because I'm 16 and wouldn't be able to verify my identity with them.

Ramanticasf

Exactly lol . Most shitcoins have an APY of as high as 1000 percent xD and for what? Just to keep plummeting it even more overtime.

crydud

I'm starting to learn abour DeFi, I started this morning so I'm hell of a newbie lol. I saw Beefy is solid with almost zero fees tho, only this! That APY is amazing! I'm going to learn more, thanks!

ChemicalGreek

CTSI has a 35% APY on Binance!

Moon_and_Lambo

Just over 40,000% APY on KLIMA. Been that high since launch and it’s a very solid concept/project.

Daniel51003

Obligatory Algo shill. Governance combined with rewards is around 17-18% APY atm

w00tangel

I see you are looking into Yieldly, this one I can vouch for. The APY is stable at 40%+ for several months now, and the coin's value has actualy gone up quite a bit during that period.

vjeva

I got my 655% APY on the Revault Network token using their Auto Comounding options on their platform. Not bad I guess!

Syncularity

Agreed with what you said. I'm planning to take a personal loan and my plan is to have 50% of it in stablecoin yield farming ~30-50%APY, 20% btc, 10% eth and the remaining 20% split among some higher risk defi stuff

mogglar84

MetaversePRO is an olympus fork and it's absolutely booming right now. It also has 500,000% APY. Check it out!

No-Corner6569

Yieldly on ALGO: - Up to 80% APY on Algorand assets when staking. - Small market cap that’s about to rocket (~$200m) - Recent update on their road map shows huge expansion and all targets have been hit so far. With the Algorand Decipher conference over the next couple of days; it’ll start blowing up even before it gets listed on major exchanges. Get yourself an Algorand wallet, onto Tinyman, and start staking 🚀 Couldn’t recommend it enough

BitingChaos

Eh, it's doable. But it can be lots of trouble. Taking out loans for crypto *is* 100% gambling. But with *stablecoins*? If you can get loans for way cheaper than the APY you'd make on the interest of loaning the loan out, you can absolutely make a few bucks (like taking out a loan for way under 6% or whatever and then dumping it into stablecoins that make 10%). Loans may have origination fees. Plus you have to pay **tax** on the interest you earn. You may find that you're not making much at all. I haven't figured at what percentage I'd have to be able to get a loan in order for any gains not be wiped out by the taxes on interest. I don't want to go through a bunch of procedures and headaches moving money around just to give the IRS more money than I'd be making.

Siduron

Because sky high APY doesn't last very long. It goes down eventually so you can't expect to make that weekly $60 for very long.

keezord

How much is the APY?

Kike328

That won’t happen for three reasons, first the validation exit queue, second, the increased validator APY (fees from miners will go directly to validators), and third, many people is holding back their intentions to stake because is not possible to withdraw. The very moment the withdrawal mechanism is enabled, they will ape into staking

Iamvillez

Now's a good time to accumulate, just be sure to get into legit projects. I'm DCAing to add more to my BBANK bags here and would be staking for 20% APY on the app.

Sundr0wn

The game gives you 86% or something APY if you hold your ROY in game

No-Rule4709

🚨LIBRIUM TECH🚨 MINING BACKED REWARDS TOKEN ✅ HIGH APY STAKING ✅ YIELD FARMING ✅ NATIVE TOKEN REFLECTIONS ✅ EVER-INCREASING MINING REWARDS ✅ LIQUIDITY POOL REWARDS ✅ 40 DAYS OF BURNING (40%) ✅ ETH BRIDGE ✅ ANTI SNIPER ✅ LP LOCKED https://t.me/LibriumTechOfficial #LibriumTech

kingptolemy1

Put the 3.5 million Satoshis in Celsius and earn 6.2% APY or about 400 Satoshi every day.

Bulky_Dingo_4706

They explain on their wiki how they achieve their APY's. https://www.notion.so/How-Midas-Investments-achieves-the-highest-APY-on-the-custodial-market-21c15bd5ca07448a84aea9e4b890e2a7

ArcadeAndrew115

Correct me if I’m wrong: if you can take out a 0% APY loan couldnt you just then put what you borrow into something that gives you at least 3% APY returns meaning you now pocket .5% as profit and use 2.5% to pay your loan back..?

Thunder_Wasp

I was initially impressed by Tezos as being a smart chain alternative to Ethereum, and Tezos allowed you to earn 5% APY on Coinbase years ago. Unfortunately it never went anywhere.

Chicken_Dogg

🚨LIBRIUM TECH🚨 MINING BACKED REWARDS TOKEN ✅ HIGH APY STAKING ✅ YIELD FARMING ✅ NATIVE TOKEN REFLECTIONS ✅ EVER-INCREASING MINING REWARDS ✅ LIQUIDITY POOL REWARDS ✅ 40 DAYS OF BURNING (40%) ✅ ETH BRIDGE ✅ ANTI SNIPER ✅ LP LOCKED https://t.me/LibriumTechOfficial #LibriumTech

Diatery

They're still going to try Watch narratives about how CDBC are "crypto but with the safety of banks" coming Enjoy a whopping 1% APY

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.

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.

Regular_Chapter_788

>You can generate about..5000-6000 in btc interest and promotional codes for an entire bitcoin No you can't. APY is 6.2% and only for the first 0.25 BTC then excess just over 3%. You can go Ledn at 6.25% and that will be approx $3.3K worth per year at today's price.

warlikeofthechaos

What if I told you that you can use crypto as colateral to take a loan and there are some blockchains (polygon as example) where some projects pays you (wmatic in this case if you borrow from aave) to borrow crypto? What if I told you there are some cases where the rewards APY % cancels out borrow interest rates?

Elliotneversleeps

You can generate about..5000-6000 in btc interest and promotional codes for an entire bitcoin on Celsius. That’s already way better then a savings account. Even USDC can give you 10.02 APY

Majestic_Story8906

🚨LIBRIUM TECH🚨 MINING BACKED REWARDS TOKEN ✅ HIGH APY STAKING ✅ YIELD FARMING ✅ NATIVE TOKEN REFLECTIONS ✅ EVER-INCREASING MINING REWARDS ✅ LIQUIDITY POOL REWARDS ✅ 40 DAYS OF BURNING (40%) ✅ ETH BRIDGE ✅ ANTI SNIPER ✅ LP LOCKED https://t.me/LibriumTechOfficial #LibriumTech

FitHead5

This is a great post. He doesn’t have enough karma to post so I cross posted So much great information on a very high APY coin that has a very very bright future!

LWKD

Go try it out, it is so easy! And has an above of 40% APY right now. You wont lose any tokens and only get free ones. And the price can only go up from here!

lilbugpal

Forever. I earn 8.5% APY on my BTC and 6% on my ETH. Passive income. No need to sell.

Senor-Theodore

The APY is ridiculous. And the no loss lottery is a no brainer. It’s also really easy to use. As you can tell, I’m a big fan.

LightninHooker

CAKE APY is at 12?% LMAO Do not touch that by any means. I ditched that crap at 70% APY (I started at 130%) and it doesn't stop going down

dweebmagnet

Tempted to stake pancake swap 12% APY and great entry price

13jeremywt

Hey everyone, I wrote a [step-by-step guide](https://medium.com/@13jeremywt/a-step-by-step-guide-to-yield-farming-on-yieldly-yldy-af0d5defedf9) on how to yield farm on [Yieldly.Finance](https://Yieldly.Finance) for \~35% APY and negligible low gas fees. Let me know what you think! Bonus: [step-by-step guide](https://knit-dev.medium.com/step-by-step-guide-optimize-yieldly-yldy-rewards-with-yieldly-compounder-fbfd14037fb) to optimize rewards using an AWS Ubuntu server

Tylanmon

%35 APY! Holy fuck, definetly gonna check it out! Thansk OP!

lordofming-rises

Tusd 143 percent APY hmmm

Omoniyi22

$TITANO Finance, auto stake token No need to stake, just buy & HOLD your token 102,483% APY Compounding every 30 minutes #1000x #altcoingems #Titano #titanoarmy #BSCGems

suninabox

>The 1% loans are 4x overcollateralized. >They make a ton of money on your $4000 in crypto while loaning you $1000. Let's say you take that $1000 and deposit it with them at 12% interest, and they take that $4000 in crypto and lend it out to another person at 1% interest. So now they're making $40 off a loan that they're now paying you $120 to deposit, a -$80 loss for them. "ah", you say "but they also got 4x collateral on that $4000, so now they have $16,000". Now the same thing happens, Mr.$4000 deposits at 12% interest, making $480 APY on a loan that only costs them $40 APY, a net loss for Celsius of $-440 Do you not see how these rates are sustainable only if you keep getting new investors to deposit money which you then use to pay off the interest of older accounts? > On one of the AMAs they said the only reason they don't do 0% on 4x overcollateralized loans is because 0% makes people think it's a scam ah yes, the place offering 17% interest on deposits is really worried about people thinking their rates are obviously too good to be true. >As for the yield, their stablecoin rate kinda sucks compared to lending on a money market like Kucoin or any defi protocol. Madoffs ponzi only yielded 10%. Guess it couldn't have been a ponzi because a real ponzi is 100%+ territory. >Stablecoins are where the demand is right now. [I wonder why that might possibly be](https://www.coindesk.com/business/2021/10/07/tether-has-lent-1b-to-celsius-network-report/)

NoMansSkyWasAlright

- The highest price I paid for BNB was $35. I thought it was a lot then, but I wanted to have an even 100 coins. - Paid $200 for 100k DOGE. - On average, I paid about $0.04 per for ~25k ADA - ummm, dropped $70 on MATIC because celsius was offering ~15% APY at the time. I forgot about it, then noticed it was a couple grand some months down the line - bought 10 SOL for less than $100 because binance was offering a decent staking rate for it. That’s now worth a couple grand. … those are the only ones I can think of.

KarateDoctor

ONE has pretty good APY

Rus711

Not sure where to stake it but theres also this token called Mermaid that gives Bitcoin reflections. I just hold and my bitcoin stacks daily. In terms of interest plenty of exchanges offer good APY but i wouldnt keep bitcoin or anything valuable anywhere else other than cold wallet. Be careful and watch out for scammers.

Classic-End5540

1. Ada is 99% hype, and it hasn’t really delivered compared to other projects, but I still hold a sizable bag in case it does 2. Cake is incredibly inflationary, meaning that while it has a high APY the dollar value of cake might drop

Vanuatu_Hanjaab

I approve, made money. However, if you are bullish on CRO, check out VVS finance. They have auto-mining and farming with fantastic APYs and APRs. If you like PCS’ 70-80% APY, how about VVS’ 5000% All of this is backed by Crypto.com

Character_Donkey_929

To practice on what I've just read, I'll definitely be correct to say that providing liquidity for $ROWAN/ $rATOM pool, will enable you to enjoy up to 100% APY on sifchain

FreedomFromIgnorance

It’s a way to participate in decisions regarding Algorands future. You basically commit a portion of your ALGOs for 3 months, and during that time you vote on one or more issues. If you keep your ALGO in your wallet for the 3 months and participate in all voting sessions you get really good rewards (it’s like ~18% APY this session). More info if you’re interested: https://algorand.foundation/governance

TurbanD00med

You might wanna fix your algorithm to remove false positives (HODL,Whale,APY). Also SOL is clearly Solana and not whatever the fuck shit coin you have linked

ElPobrePoblano

Anyone staking ONE? Any tips on how to choose a validator? eg why would I choose one with 8% APY when there are some offering 29.73% APY? What's the risk with the higher yield validator?

phlexie_

Wonderland dot money, it's on AVAX chain. APY around 83k% (yep u read that right). Been lping for 2 weeks. It's an auto-compounding protocol, pretty cool stuff. Their token is in top 100 as well.

Erect_Eunuch

Don't know why genuine information is being downvoted... I was in $Time for a good while, used a little tiny bit of money to play around with collateralizing it with abracadabra while leaving most of my stack staking, learned a hell of a lot about De-fi along the way. I second easy access to FTM network as well, bridging $MIM costs like 90 cents and is rapid, its insane. I did this to get into $FHM also. The high % APY for these protocols definitely comes across like a scam but once people take the time to read into it and realise how it is all sustainable they are blown away and quickly 3,3.

Oneofmanyshades

You can stake on Yieldly to get 40% to 60% APY.

PsychologicalSong661

I have staked TIME there but my experience wasn't funny so I decided to check out other exchange. Currently staking DVDX on unifarm for their juicy APY. I'm waiting for TIME to get included in one of the unifarm cohorts ..

TJChex

Most of that will be a reality with the new Voyager debit Mastercard. Can pay anywhere Mastercard is accepted. It’s coming Jan-Mar 2022 and has a routing/account number for direct deposit and auto bill pay. Only uses USDC at the time, but they also give you 9% APY on it.

DeepFriedBeefJerky

Where do I see the 10% APY? Is it automatically added to your stake?

No-Mission-962

Since CoinBase havnt listed Harmony yet, I think a better option would be to make an account with either one of the three (Binance.us / crypto.com / Kucoin) and probably transfer the ADA there and then convert to Harmony ONE. Also if you stake harmony you can get about 10% APY.

Slipperfox

Algomint is letting you swap to goBTC which you can then put into a liquidity pool in tinyman, or you can swap for any of the ASA’s staking on yieldly and stake for pretty nice APY’s.

tripaloskiforever

When the banks don’t wanna let u earn 8-12% APY because they offer 1%. Shocker.

Kel4597

https://algorewards.github.io/ This tool created by someone in the Algo community seems to work well for estimating rewards. Governance + normal staking puts APY at around 17-18%

jamesanator9

https://algoexplorer.io/rewards-calculator Also looking here shows the APY much lower.

Swampfoxxxxx

It's a little complex but easier now than ever before. The first step is to chose which L2 chain you want to use, such as Polygon, BSC, Harmony, Avax, Fantom, etc. I browsed beefy.finance for a few weeks, clicking around and comparing different liquidity pools before deciding on Polygon. High APY pools are attractive, but high TLV pools are safer. For first starting off, *single asset* pools like BSC's Cake pool and Quickswap's DragonsLair are going to be easier to wrap your head around than providing liquidity pairs (obligatory warning to read about Impermanent Loss if using double asset pools)