APY
Anglo Pacific Group
stock NYSE

I was also stuck with a savings account and barely earning anything. Later, I switched over to a high-yield option, and it made a noticeable difference.

Here are a few ones I’ve looked into or used:

ElitePersonalFinance: Check their Marketplace. They list top savings accounts and compare rates regularly.
Axos ONE: 4.66% APY (needs at least $1,500 to earn interest).

Openbank High Yield: 4.40% APY, $500 minimum.

Barclays Tiered Savings: 4.10% APY, no minimum balance.

EverBank Performance Savings: 4.30% APY, no minimum.

All of these are FDIC insured, and you’ll still have access to your funds if needed.

Hope this helps!

$IMG (Infinite Money Glitch) is a first of its kind Solana token that redistributes a 5% fee from every transaction; buys, sells, and transfers, directly to holders. Payouts are automatic and occur every few minutes in SOL, proportional to each holder’s share of the supply. Rewards scale up with volume. No staking, no claiming, no lockups.
With our lowest recorded one day volume of $80k, an initial investment of $1,000, you're looking at an APY of 28%, which beats almost any other investment vehicle available.
If you look at it more optimistically, and assume an average daily volume of $200k, you're looking at a whopping 84% APY! I've personally calculated a compounded 106% APY return on my bag just this week! At our all time high of $40m a day in volume, holders were getting 37% A DAY in returns. Over $8m has been paid out to holders since launch just three months ago.
Key points:
Currently a Top 20 token on Phantom, frequently featured by the official StockTwits account, incoming [Investing.com](http://Investing.com) article on our novel yield structure, already listed in Forbes, and the community funded a massive $10k NYC - Times Square billboard campaign just last month.
Currently just under $5M market cap, ATH of $40m mcap. $480k locked in the liquidity pool.
We'll be announcing a $40k / 90 day marketing plan this week on a live x space with our newly crowned leader and top holder, Barsaw!

IMG is structured for long-term alignment: higher activity directly increases SOL rewards for holders. As usage grows, so does the reward pool; without needing to sell the token. Just compound your rewards for maximum effect, or withdraw the SOL, it's your choice!
If you have any questions, let us know in the comments, the community will be happy to chime in!
Blockchain: Solana
CA: znv3FZt2HFAvzYf5LxzVyryh3mBXWuTRRng25gEZAjh
TG: t me/infinitemoneyglitchSOLANA add the period after t and before me

You could put the money into a regular brokerage account like IBKR or moomoo, they offer decent APY

I had money sitting in my local credit union for years… at least with a High yield saving account it will make you some money. Wealth Front you will get 4.5% APY on your money. My link is below
Here’s your referral link to join me at Wealthfront! When you sign up, we both can earn an APY boost, match on investing account deposits—or both! https://www.wealthfront.com/c/affiliates/invited/AFFA-21N2-3WHA-FAV5

Is your EF not already in a HYSA? If not, it would benefit you to move it to one. Most are around 4% APY right now.

The Stock Market will always win long term, unfortunately not everyone has the means to be heavily vested in it. And smart people also highly diversify their portfolio with ETFs, Mutual Funds, Gold, Fundrise, College Funds, Bonds, and me personally in these uncertain times have stopped adding my sizable monthly contributions to my portfolio and instead am just building my high yield savings account that generates me 4% APY bc to me, that’s the safest play at the moment. It constitutes 20% of my overall portfolio and I currently have $250k in my high yield savings account that I can access at any time. I used $100k to buy the huge dip on April 9th and that has paid off big time for me but now I’m just building cash for when it possibly happens again. I was able to get SCHD, VOO & QQQM all at 52 week, or more, lows and they are all long term holds for me that I added to my already solid holdings in. I won’t even look at cashing out from them for 20+ years.
We are, however, at a pivotal crossroads coming up this summer. This administration needs to get our record breaking $36 trillion debt under control, and it’s NOT through tariffs. Ask any economist and they will tell you that’s NOT the way to do it.
But the economy and the stock market have somehow become separate entities. You can’t judge the success of the economy anymore at how well the stock market is doing, bc there are many companies (tech especially) that are simply recession proof. Inflation is going to continue to rise, so if you’re buying anything right now it should be gold. I recently also bought $20k of GLDM, a Gold ETF, but the stock market could very well crash again if Trump goes back to his tariffs.
The guy is so all over the place it’s so hard to predict what is going to happen, he changes his mind constantly and that is a scary variable. But the amount of wealth leaving this country through us purchasing goods made in other countries is astounding. Our trade deficit is $1 trillion, and that’s almost doubled in the past 10 years. Americans don’t actually make anything here and tariffs won’t make US companies simply become altruistic to the point they will start. They’ll simply pass the tariff tax onto the American consumer.
I own a golf club and for the first time ever I have received “tariff charges” on my invoices. So what did I have to do? Simply go and raise the prices accordingly on those goods so I wouldn’t have to eat the cost myself. 10 years ago I could sell a golf hat for $20, now that same hat sells for $50. And 10 years from now lord knows where we will be.

Moonacy Protocol offers daily returns of up to 1.85% which, when compounded, translate to an approximate annual % yield (APY) of 600%. This rate applies across multiple supported Cryptocurrencies including $XRP, which was added to the platform.

I have 100k in a HYSA account earning 3.65% APY. I have maxed out my 401k, Roth IRA, and HSA and have a separate 6 month emergency fund account. No debt and not really saving for anything specifically at the moment. Wondering if I should invest some if not all of the 100k into a taxable brokerage account. I have a higher risk tolerance and looking for advice on how much I should put in and what makes sense for my situation. Any advice welcome and appreciated.

MONEYGLITCH. FUN has been live for a little while now, and it’s already changed the game for rewards tokens. You can launch a token in minutes, no coding needed, with a slick UI and direct Raydium integration ,no bonding curves, no friction, just pure degenerate fun. But now they’ve dropped a new feature that honestly might be the most exciting update so far: APY tokens.
Unlike tax tokens that reward holders from trading activity, APY tokens reward holders just for staying. When you hold one of these, you start accumulating a virtual version of the token over time , and the longer you hold, the more you earn. These virtual tokens can’t be sold, but they boost your share of future rewards. If you fully sell, they disappear. If you sell part of your position, you lose that same percentage of your virtual tokens.
It’s kind of brilliant. It creates a system where your position literally grows with time, and every exit comes with a cost. No tricks, no gimmicks, just a clean way to reward long-term conviction and discourage paper hands. Perfect for projects that want to build something sustainable, and for holders who don’t just want to gamble, but want to build something together.
MGF keeps proving it’s not just a gimmick platform. They’re building actual infrastructure for tokenized communities. This new APY system shows how much room there still is to innovate in this space ,and they’re doing it without overcomplicating things.
Still early. Still underrated.
Token contract: Aimpsj1zPaETD636WLt3cLN6nib5VJ8aFbD2fohLMGF
r/MONEYGLITCHFUN

1. If there's a vulnerability that exists with increasing the gas too much (like the bug that was patched in Pectra)
2. You can encourage raising the gas limit too much to kick off solo stakers, making the network less resilient as well as increasing APY for existing stakers.

tldr; IXS has launched 'BTC Real Yield,' an institutional-grade DeFi solution enabling Bitcoin holders to unlock productive capital. Investors can loan USD against their Bitcoin and deploy funds into regulated, yield-bearing real-world assets like tokenized U.S. Treasuries and money market funds. The platform offers 4–10% APY, compliance-first architecture, and institutional infrastructure. BTC Real Yield aims to transform Bitcoin from a dormant asset into a regulated yield engine, paving the way for broader institutional adoption and financial innovation.
*This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

you’re thinking way ahead for 18 whihc is great. And honestly, you’re spot on. If you don’t need the money in those CDs anytime soon, moving that $30k into something like **VOO** and letting it ride for 20+ years could seriously grow your wealth. Historically, the S&P 500 has averaged \~10% a year, which is way higher than even the best CD/APY rates.
Keeping $5k in a HYSA for emergencies sounds smart too - that’s plenty of cushion at your age.
Also, if you ever want to bounce ideas off friends or invest together, check out **Hedge**. It’s an app where you can invest in a group, share proposals, and vote on what to buy. Makes the whole investing thing more collaborative and way less intimidating.
You're already doing way better than most, now just focus on consistency and long-term mindset. You're gonna be set.

cbBTC on Haven1 offers around 25% APY, that could be a better option imo if you are looking for the best yields.

I have a very primitive strategy for now it works sometimes, I feel like it's hit and miss very random,
Still working on. Figuring out better entry model for this.
If you were to choose between high rr (very few trades) or more trades (low rr) which one would u choose?
I also have been looking into funding arb for crypto!
Can someone point me to a few 15-20 APY strats?
3rd and last question, how would someone go about writing a ml model which can predict volatility. (Like should i train it on btc/dxy/btc.d and other features can be 4h/1d fvgs, vol, rsi? And other 100 random indicators will it produce anything usefull) sorry not a ml guy.
Thanks for reading

I switched from the 20% Earn program to DeFi staking and haven’t looked back. I use Veno Finance for liquid staking, which gives me LCRO tokens that auto-compound, and I can still unstake whenever I want. It’s a solid 7%+ APY, and I like having more control over my assets. I also tried the Supercharger once, but the returns were laughable—like 2% APY at best. It’s basically a lottery, and I’m not into gambling with my CRO. Now, I just keep a small amount in the Supercharger for liquidity, but the bulk is in DeFi staking. If you’re serious about earning, I’d say skip the Supercharger and go for DeFi.

- The fact that they used “high-yield” which is 20% is kinda unrealistic sa traditional businesses.
- Napaka-Unprofessional na naglagay sila sa main portion ng poster yung about how 101k babayaran mo if 100k idedeposit mo.
I’m not susceptible sa scam as a person really. But stuff like this even sa crypto investments via stablecoins staking (+20% APY) screams scam / ponzi. This business will only work when more people join, assuming the business owners won’t run away from the “investors”.
Siguro pabaon na question ko na lang for you is: how do you think they generate money? Especially sa pa-yield nila na 20% sa mga naglalagay lang naman ng pera sa kanila?

Holding $AVAX and not doing anything with it?
Let me show you 5 **real, sustainable yield strategies** in the u/AVAX ecosystem — from liquid staking to lending and stablecoin farming.
No fluff. Just solid DeFi.
Let’s dive in 👇
https://preview.redd.it/83kysc7s9w1f1.png?width=792&format=png&auto=webp&s=ae3e2bda95401a1d02ae6e84c228b8bcdb4af5f8
**① Liquid staking on Benqi (@BenqiFinance)**
Stake your AVAX → get sAVAX
💸 Earn \~5.1% APR
✅ Your AVAX keeps working for you
✅ sAVAX can be used across DeFi (collateral, LPs, etc.)
A great starting point to build more advanced strategies.
https://preview.redd.it/6q8figbv9w1f1.png?width=1200&format=png&auto=webp&s=55b3aaf1bc61944a41879ce5f269b24834249371

**② Use sAVAX as collateral on AAVE (@AaveAave)**
Drop your sAVAX into AAVE and borrow USDC or USDT
💰 Borrowing APY: \~4.6%
🚨 Pro tip: Keep your **Health Factor above 2**
Don’t get close to 1 — that’s liquidation territory.
https://preview.redd.it/1vf4bsn0aw1f1.png?width=1200&format=png&auto=webp&s=5e19a3655bf3824b28709982e667b7369d6dcebc

**③ Stablecoin farming on Pharaoh (@pharaohdex)**
Use the borrowed USDC/USDT and provide liquidity in the Pharaoh USDC/USDT pool.
📈 APR: \~18%
🔒 Low risk, no impermanent loss
So now your AVAX is earning AND your stables are farming. Nice.
https://preview.redd.it/y5gwebm5aw1f1.png?width=1200&format=png&auto=webp&s=7b9507245646f20e6e86a136ef564e85771e8f8a

**④ Tri-token LP on Balancer (@BalancerLabs)**
Stake AVAX in:
* Benqi → sAVAX (\~5.1% APR)
* Gogopool (@Gogopool) → ggAVAX (\~5% APR)
Then LP on Balancer:
**sAVAX + ggAVAX + AVAX**
📊 APR: \~11.5%
Solid for AVAX holders looking to earn without selling.
https://preview.redd.it/6pyus4i8aw1f1.png?width=1200&format=png&auto=webp&s=002e022b6e39fd293bd7f0d3b5430b5d3be20201

**⑤ Set-it-and-forget-it yield on Yield Yak (@yieldyak\_)**
Wanna keep it simple?
Use Yield Yak to auto-compound your rewards from farming and staking.
🔥 Save time & gas
Supports Benqi, Trader Joe, GMX, and more.
https://preview.redd.it/djaqohscaw1f1.png?width=1200&format=png&auto=webp&s=10c4769c8d4d5bef986850b119f3ba178f04c102

**Risks you should know:**
⚠️ You *can* get liquidated on AAVE if you overborrow
⚠️ There’s impermanent loss risk on Balancer LPs
⚠️ APRs change based on protocol usage
✅ But all these platforms are live, tested, and active on u/AVAX
✅ Always DYOR
**Why this matters:**
DeFi on Avalanche lets you mix & match tools to earn **real, compounding returns** — not just ponzinomics.
✅ Liquid staking
✅ Lending
✅ Stable yield
✅ Auto-compounding
It’s all live and ready to use today.
https://preview.redd.it/79f0wnbjaw1f1.png?width=736&format=png&auto=webp&s=3129cc6b37900bde023cf7d4ac949db446185d0b

💡 Wanna try it yourself?
Start with just 1 AVAX and follow this path:
1. Liquid stake on Benqi
2. Use sAVAX as collateral in AAVE
3. Farm with borrowed stables on Pharaoh
4. LP sAVAX/ggAVAX/AVAX on Balancer
5. Optimize with Yield Yak
💥 Boom — you’re in the real yield game.
If this thread helped you understand Avalanche DeFi better, hit that RT 🔁
Let’s get more people exploring real opportunities in $AVAX.
Got questions? Want a video guide?
Drop a reply — happy to help 🔺

I’m 18 and and have 5 grand in individual stocks right now (they’re all large companies) and 3k in my high yield savings account. I also have 15k and 16k in two CDs (my parents did this so I could get a higher APY). I’m pretty sure I’d make way more money if I transferred the money from the CDs into an S&P 500 etf like VOO and just let that grow for like 20+ years. Do you guys think this is a smart decision? I’d keep around only 5k in my high yield savings account for emergencies/miscellaneous.

I tried this a couple of years ago (with about $500 of ATOM) with like 50% APY. You just send the crypto to a smart contract wallet (so feels like you’ve been scammed) then you need to request it back once you’re done. Luckily, it wasn’t a scam, but the ATOM I got back was basically the same as before… so I have no idea what happened.
What I will say is it was a nightmare to audit the transactions with my crypto software for taxes (so also keep that in mind)
Tl;dr - isn’t really viable in my experience. It’s dodgy because you have to rely on third party wallets to hold your money.

Ofc! just make sure the APY is worth it and the platform’s solid