DeFi - Lending returns

BitEthsa · May 13, 2025

Just wondering if anyone here has lent their crypto out on any of the DeFi pools. Which pool did you use and what were the returns like ?

legrant · May 31, 2025

For stables it usually follows US bond rates, or even below it. Right now you'd be getting 3-5% on blue chip protocols, and maybe double that on smaller ones.

W Fish · Jun 1, 2025

legrant said:
For stables it usually follows US bond rates, or even below it. Right now you'd be getting 3-5% on blue chip protocols, and maybe double that on smaller ones.

Where and what stables can I borrow at that rate? Cand deposit BTC into multisig for collateral.

cryptofriendly · Jun 1, 2025

W Fish said:
Where and what stables can I borrow at that rate? Cand deposit BTC into multisig for collateral.

Are you looking for defi only? Then you can check the usual suspects like Aave, which for example offers 5.25% on USDT and 5.2% on USDC, max 75% LTV for collateral.
https://app.aave.com/markets/

But pay attention, the rate is VARIABLE and can (and WILL!!!) change depending on market demands (usually it's going up when FOMO sets in and people borrow stables to invest).

I have done that for a while but it was nerve wrecking, as when the borrow rates rose it needed quick adjustments.

Now I prefer a fixed rate - it's easier to calculate the arbitrage profits and plan longer term.
I have borrowed a huge amount of USDT with BTC as collateral with an FIXED !!! interest rate of 3.4% APY for 90 days, using the USDT to squeeze more profits in many ways.
Unfortunately I can't share the source, otherwise I'd sabotage my cheap borrow rates.

If you need a deep dive into DEFI yields, I recommend this guy's youtube channel. But double and tripple check the platforms yourself, diversify or die (capital wise)!
https://www.youtube.com/c/thecalculatorguy

TheCryptoAnt · Jun 1, 2025

cryptofriendly said:
But pay attention, the rate is VARIABLE and can (and WILL!!!) change depending on market demands (usually it's going up when FOMO sets in and people borrow stables to invest).

you are giving away too much alpha my brother

Mercury · Monday at 03:22

cryptofriendly said:
But pay attention, the rate is VARIABLE and can (and WILL!!!) change depending on market demands (usually it's going up when FOMO sets in and people borrow stables to invest).

That's why I've stopped chasing yields on DeFi and prefer now to use the most relevant CeFi platforms offering more reliable and juicy stablecoins yields. Just a different risks approach.

kilor · Monday at 08:00

Only Binance and Coinbase look to me reliable enough so far to enter into CeFi as a service I would take. I don't know something is going on with Binance and the US government, no one know where it will go.

Frankie · Monday at 14:21

Google "picking pennies in front of a steam roller"

TheCryptoAnt · Tuesday at 03:38

kilor said:
Only Binance and Coinbase look to me reliable enough so far to enter into CeFi as a service I would take. I don't know something is going on with Binance and the US government, no one know where it will go.

Kraken is solid too

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DeFi - Lending returns

BitEthsa

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legrant

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W Fish

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