APY
Anglo Pacific Group
stock NYSE

I just put my cash on moomoo, they offer decent APY and I can always withdraw within seconds.

It is a new card and there have been complaints about the customer service. I don’t generally buy things I will need to dispute but it does happen. This is what Grok says is included.
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- **Crypto perks**: $0 trading fees on first $500/mo trades, 4.25% APY on first $10K USDC, 5% staking boost on ETH/SOL, $10/mo Base gas credits.

Emergency fund needs to be there in case something goes wrong… in a brokerage or something like that, you could lose 20-40% (or more) in a market crash and suddenly that’s when you might need it as well. You want it safe more than making a lot in returns, you just try to maximize the APY so it would have some return for just letting it sit when not needed.

Debank is generally the go to for most folks in DeFi.

At [app.vaults.fyi](http://app.vaults.fyi) you can check out our dashboard (https://app.vaults.fyi/dashboard), which for the smaller set of protocols we integrate (about 75 today, always growing) we go much deeper in the position tracking we show highlighting both PnL and APY (both of which Debank does not do).

You don't need to connect a wallet to try out the dashboard, but you should because you can also manage your positions from our site.

Me and a friend recently join Lince yields. It has a lot of solana protocols including Kamino, Loopscale and other, and makes a dynamic allocation of our funds to stay with a high APY, automatically.
I agree with trx-repo, stack SOL is a great option for long-term. Red markets are good discounts to get in.

almost all tokens/coins are down over the year so it's to be expected that these 2 are as well. The project behind it is very solid with a good use case. When the market turns around this these tokens will go up along them. so that my portfolio is down is not a supprise.
Most people in DeFi only look for quick gains, which is a sure way to lose money. I'm in it for the long run. Which has always proven to work. Just look at Warren Buffet, he started at the age of 12 with compounding, he only became a billionaire at the age of 56 that's 44 years of compound interest, I only got two (even less). With an APY of 18% I will double in token amount every 4 years, and I can prove it will be true if current rates keep, I'm already almost halfway of doubling.
People should start looking long term instead of short. If it works in a small pool it will work in a large pool with a larger position. You just got to have patience.
Long term is always better then short term.
But you can follow me I'll write every 2 years an update on my position.

I'm assuming this is on a autocompounding stablecoin-major pair? The majority of DeFi tokens have been down only, around or below ftx lows currently. In which case IL over the past few years would not push you into profits. ETH and SOL have chopped around significantly as well (usually the highest volume LPs).
APYs on UIs are usually misleading, especially on V3, where it's common to display active liquidity ticks APY rather than APY on the user's principal.
You also must have a wide spread to be continuously earning trading fees over a period of years without rebalancing, in which case APYs are usually much lower. (tighter the range, the higher APR, but also more likely to go through periods of not earning anything when active liquidity goes out of your set range).
Regardless, for the average user, depositing a volatile LP and walking away for years, even with autocompounding, is likely to lose them money, directly or indirectly through opportunity cost. I'd caution that blanket recommendation.

What I've noticed is that my self-calculated APY ratio in the first few months ranged between 10% and 30% but slowly stabilized around 18% I'd say. First of all, choose a pool with tokens you trust will be around for a long time, on a trustworthy platform. Then I'd say at least half a year.
I'm working to make my tracking sheet more user-friendly than it is now, and then I'll publish it, including a few extras. If you're interested, I'll add you to the list of first receivers.

No I don't rebalance at all. If you do that you a portion off your impermanent loss becomes permanent. which is something you want to avoid. What I do is I provide liquidity and leave it be. I log at which ratio I put in my provision and keep track of the compounded fees which I call permanent profit. That way I can calculate my true APY not the one which the platform wants you to believe is the APY. with that I know if my fees AKA permanent profit are under or over my IL (If I have any). I have so far only added to my position never taken a token out. Each new provision is separately logged so I know each provisions' performance. When I will take out I will look to the current pool ratio and only pull out when that ratio is close to one of the provisions' ratio so that I can maximize my profits.

Top HYSAs right now are roughly 4–5% APY. Money market funds and 3‑month T‑bills are mostly in the mid‑3s to around 4%. For an emergency fund with low risk and easy access, most people end up choosing between HYSA, insured money market accounts, or short‑term Treasuries, since chasing a full extra 1–2% usually means moving into assets that can swing in price right when you need the cash.

What will the APY be based on? How much VET is staked or the amount of VTHO they have to give?

You want have a goal first. 
Retire by age 50, for example. 
Now, figure out how much you'll need to accomplish that goal, how much you have, how much you'll need to make, how much APY you'll need. 
Break that large number (what you need at age 50) into much more manageable, yearly chunks.

Depends a bit on the platform but generally a pool of less then 10k TVL is considered small, if the average 24h volume is less then 5%-10% of TVL I'd say look for pools with TVL north of 20k-50k.
On the other hand even arb bots pay pool fees so the risk on your LP position for having loads of bots in the pool isn't that great. I'm sitting in a pool that's just over 2k TVL I own 82% of that entire pool, I don't worry about this because the pool fees are 18% APY. I'm in that pool now for over 1.5 years and my position in token amount is almost halfway of doubling.

Yes indeed. If you get an APY of 18% in fee compounding you double your position every 4 years. Within 8 years there is no amoubt of Impermanent Loss that will ever ruin your position

Every delegator is considered to be in the queue for the first 7 days, thus there will be no rewards yet. But the expected APY at the next block is what is shown

Stargate.
I staked with multiple validators and the average APY is changing a lot but I average about 9% (range is 8.1 - 10.3) The validators range from 70 - 200 delegators each. I assume the higher the delegator number, the lower the APY.

Depends on the amount you're taking out for margin. For $1m in margin, expect around $250-300 per day in interest fees. Schwab charges around 10% base + addl APY added based on the loan taken out.

Have an average APY of about 9%.
Is that avg, bad, good, 2 good?

Sofi is wonderful & offers an investment account along with numerous other benefits with no fee!
Hi! 👋 Use my link to sign up for a SoFi Checking and Savings account and you’ll get a $25 bonus. 
Plus, when you set up eligible direct deposit, you can earn up to $300 and score a 0.70% APY Boost on their Savings APY. You’ll earn a base APY of up to 3.60%–and can boost that to 4.30% for up to 6 months. Rates variable and subject to change. Terms apply. https://www.sofi.com/invite/money?gcp=73c732d5-a9ad-4d82-a32a-e1e5e9963001&isAliasGcp=false

If your calculator can model real earned APY and show breakeven time based on current IL + fees, that’s already ahead of what most people rely on today. Nice!

If you’re open to it, we’re starting some testing soon around an interface that simplifies workflows like this. It would be great to loop you in.