EURCEUR
EURC / Euro
crypto Composite

**How are you guys earning yield on stablecoins without making it a full-time job?**
I’ve been looking into ways to earn yield on stablecoins, mainly USDC/EURC, but the more I dig into it, the more fragmented it seems.
You’ve got Aave, Morpho, different vaults, curators, different chains, changing APYs, incentives, smart contract risk, etc.
So I’m curious how people here actually approach this in practice:
Which protocols/vaults do you use?
Do you mainly optimise for yield, or for simplicity/safety?
How often do you move funds when rates change?
Do you actively compare vaults, or just pick something trusted and leave it there?
What’s the most annoying part of using DeFi for stablecoin yield?
Would you accept a slightly lower yield if the whole experience was much simpler?
Also interested in whether anyone here uses EUR-denominated stablecoins such as EURC, rather than USDC, and whether you think the lower liquidity/yield is worth avoiding USD exposure.
Not looking for referral links, mainly interested in how people actually use this stuff day to day.

I can recommend etherfi. From the bank to the card it's a fix fee (0.90€) Eur to EURC. Or crypto, which is free to deposit. You get cashback on each card spend 3%. Each swap gets you cashback, even if you buy coins there gives cashback. You can have tokenized stocks/index, crypto, metal. You can borrow against certain assets. So you wouldn't even have to sell. It's a pretty easy UX and it works for quite a while now. There are some extra features, especially if you're a whale. Check it out [https://www.ether.fi/@2ebd644a](https://www.ether.fi/@2ebd644a)