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You experienced Term Auctions, you’ve signed the Blue Sheets, now it’s time to enter the Vault. Term Strategy Vaults are built on yearn V3, and are automated to make fixed-rate lending effortless. - Pick your strategy - Deposit your funds - Secure predictable yields Everything is audited, automated, and...

632,660 views • 1 year ago •via X (Twitter)

11 Comments

ether.fi's profile picture
ether.fi1 year ago

@yearnfi 👏

Virtue of Selfish Investing (VoSI)'s profile picture
Virtue of Selfish Investing (VoSI)1 year ago

Supercharge your profits using our time-tested, optimized, low risk buying strategies including Pocket pivots, Undercut & Rally, VooDoo low volume signatures, and Buyable Gap-Ups. Two market wizards combine fundamentals with technical timing to stack the odds in your favor.

yearn's profile picture
yearn1 year ago

excited to have you on board ✈️

August (prev. Fractal)'s profile picture
August (prev. Fractal)1 year ago

@yearnfi Let's go 🚀

Term's profile picture
Term1 year ago

@yearnfi LETS FUCKING GOOOO 3 great products 💙

D's profile picture
D1 year ago

@yearnfi LFG!

Coinshift's profile picture
Coinshift1 year ago

@yearnfi This is huge. Congrats Team 🚀🚀🚀

Nomatic's profile picture
Nomatic1 year ago

@yearnfi This will be big guys - great job 👏

Locked In 💎's profile picture
Locked In 💎1 year ago

@yearnfi Start your vault journey with TermsLab

Gazie's profile picture
Gazie1 year ago

@yearnfi “Everything is audited, automated, and available for any user.”

CryPto ꧁IP꧂ Gnoma 🧙‍♂️,🧙‍♂️'s profile picture
CryPto ꧁IP꧂ Gnoma 🧙‍♂️,🧙‍♂️1 year ago

@yearnfi Invite codes: FVKYT N5WNP 9Z9AT 772UC 5T7XJ

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11,740 views • 3 days ago

Earn yields up to 7%* on USDC 🔵 New Earn feature is live! Turn your $USDC into an active, yield-generating asset in just a few taps. → Earn yield through on-chain lending → Watch your balance grow live → Easy DeFi access Put your crypto to work 📲 *Based on reasonable assumptions and beliefs in light of the information available at the time the statement is made. Funds are deposited to, and yields are paid by, the Exactly Protocol, a decentralized protocol on the Base blockchain. Financial forecasts, even those presented with numerical specificity, are estimates based on subjective and variable assumptions that are inherently subject to material uncertainties, risks, and other changes in circumstances that are difficult to predict. Actual results may differ materially from any stated projections, and there is no guarantee of returns unless your funds are borrowed. Past results do not predict future results. Uphold cannot guarantee future performance and undertakes no obligation to assess the veracity of any stated projections. Users are cautioned not to rely on these projections when making a decision regarding Exa Earn. Available in select U.S. States. Powered by Exactly Protocol. Yield is variable and not guaranteed. Returns depend on protocol performance and network activity. Past performance does not guarantee future results. High credit demand means you may not be able to withdraw all your funds. You can withdraw your assets at any time as long as there is available (unborrowed) liquidity in the asset pool. Terms apply.

Uphold

23,791 views • 2 months ago

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Bunni

155,624 views • 1 year ago

Given the current bullish market sentiment and the evident shift of users towards more volatile assets, there's a steadily increasing demand for stablecoins within the ecosystem. This shift is underscored by the growing use of leverage, where users borrow stablecoins to amplify their exposure to preferred volatile assets or to implement various strategies in DeFi. As the #MultiversX ecosystem currently lacks a native stablecoin, it faces challenges in achieving mature stable liquidity. Recognizing this gap, Hatom has significantly advanced in developing $USH, the first native stablecoin for #MultiversX. This stablecoin is akin to $DAI, the pioneering decentralized and over-collateralized stablecoin known for its resilience through numerous stress tests over the years, but will also feature some unique characteristics and design implementation. Within the #MultiversX ecosystem, the currently limited liquidity of stablecoins has led to notable metrics in the Hatom Lending Protocol. Here, the yields users can generate on their $USDC or $USDT have escalated to impressive middle double-digit percentages. This situation offers a golden opportunity for individuals with idle stable assets in their portfolios. The Lending Protocol is an appealing option to leverage these assets, offering remarkable flexibility—there are no lock-up periods, and it carries no risks of impermanent loss. This makes it an excellent choice to generate additional revenue while waiting for those assets to be deployed. Breaking down the current yields through the Lending Protocol as follows: • A 36.83% yield on $USDC, with 32.88% APY derived from the natural supply and demand within the lending protocol—where borrowers are paying the lenders. Additionally, the yield can be increased by 3.95% through the Booster. • A 40.24% yield on $USDT, with a 33.68% APY from providing liquidity to the Lending Protocol, which can be further boosted by 6.56% by staking $HTM into the Booster. All rewards generated through the Booster can be further amplified by 5% with the Accumulator if claimed in $HTM. *For a comprehensive understanding of how the Booster and Accumulator work, please read Hatom's official documentation. Clarification on the yields is crucial, as there is considerable interest in understanding the mechanics behind these attractive rates. Essentially, the yields on both $USDC and $USDT within the Lending Protocol are derived from the dynamics of supply and demand. Suppliers contribute funds to a pool from which other users borrow. As borrowing increases, so does the pool's utilization rate, leading to higher interest rates in both the supply and borrow markets. To achieve an optimal balance, borrowers are incentivized to repay their loans due to the higher cost of loan, which, in turn, provides lenders with more attractive returns on their deposits. This self-regulating mechanism ensures the Lending Protocol maintains a healthy equilibrium between supply and demand, optimizing yields for all participants. Rewards are paid out in the same assets that users deposit. For instance, if a user deposits $USDT into the money market, the yield generated will also be paid in $USDT. The sole exception to this rule applies to Booster rewards, which are paid out in $USDC or $HTM, with the latter offering a 5% premium. **Please note that the yields presented in this post represent current values at the time of posting and may differ by the time you read this. The most efficient way to take advantage of the high yields on the stablecoins is to bridge liquidity into the ecosystem through the official bridge developed by the #MultiversX team. The process is simple and efficient, allowing users to bridge from both #Ethereum and #BSC. You can access the bridge through the following link: To participate in the #MultiversX ecosystem, you will require a compatible wallet, which can be found here: Once your assets are ready, you can supply on the Hatom Lending Protocol by accessing this link: To facilitate your journey, please follow this step-by-step video tutorial, which covers all the basics, from the creation of a #MultiversX wallet to bridging and depositing in the Lending Protocol, to take full advantage.

Hatom Labs

159,969 views • 2 years ago

$sthUSD Is Live: Yield Becomes Native at Tharwa Today we open the next chapter of Tharwa. $sthUSD, our yield-bearing stablecoin layer, is now live and ready for the public. For years, stablecoins have been a $250B+ market, but nearly all of that capital has sat idle. Holders earned nothing while issuers pocketed the yield. sthUSD changes that. It makes yield a native property of money itself, flowing directly into your wallet from a portfolio of real-world assets. What is $sthUSD? sthUSD is the staked version of thUSD. It is built on an ERC-4626-inspired design, reconfigured specifically for Tharwa with a new instant-withdraw class and optimizations that make it more efficient. At launch, entry and exit fees are set at zero to encourage adoption. The mechanics are simple: • Mint $thUSD • Stake it into the $sthUSD contract • Receive $sthUSD and watch your balance grow automatically No farming gimmicks, no manual claims, no hidden risks. Withdrawals are instant. Where the Yield Comes From The yield behind sthUSD is real and transparent. It comes from the same diversified portfolio that backs thUSD: sukuk, UAE real estate, gold, and capped exposure to commodities. As these assets generate income, returns are routed through the protocol treasury and distributed proportionally to sthUSD holders. Rewards are time-weighted, vested automatically, and visible on-chain. This is not emission-driven yield. It is powered by cash flows from real-world assets, optimized through Tharwa’s portfolio design and risk framework. Why sthUSD Matters sthUSD completes the foundation of Tharwa’s ecosystem. thUSD provides stability. sthUSD turns it into a currency that compounds by default. Together, they make Tharwa function like an on-chain hedge fund: stable by design, yield-bearing by nature. That opens the door to much bigger things. sthUSD can become the backbone collateral for DeFi integrations, a reserve asset for DAOs, or a passive income instrument for institutions. It is designed to be simple for retail, yet robust enough for treasuries and fund allocators. The speculation is not whether sthUSD will matter, it is how far it spreads once DeFi realizes what it unlocks. What’s Next Launching sthUSD is not the end, it is the start of a much larger system. Coming up: • Expansion of static yield bonds through ERC-1155 vaults • Integration of sthUSD into DeFi liquidity pools and lending protocols • OTC marketplace for secondary liquidity • Production-grade AI assistant for rebalancing • Development of segregated sukuk vaults for faith-aligned yields sthUSD is the product that transforms thUSD from a stable placeholder into an income-generating unit of account. If stablecoins were the backbone of DeFi until now, sthUSD is what makes that backbone yield-bearing and alive. Stake Now:

Tharwa

54,757 views • 11 months ago

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Simon Taylor

345,250 views • 20 days ago

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ANNABEL❤️

14,216 views • 9 months ago

Today, we unlock a new era for onchain finance: one where treasuries are self-custodied, secure—and earning yield by default. For years, Safe.eth multisigs have been the operating system for DAOs, crypto companies and high-net-worth individuals, safeguarding well over $100B. Yet much of that capital – especially stablecoins – has stayed idle because moving funds to external DeFi apps compromises the very security and governance model multisigs were built to protect. Kiln 🧱🔥's mission is to democratize value creation in digital assets – embedding productive staking and lending directly into the tools treasury teams already use, rather than forcing them through new approvals, bridges and dashboards. That vision is now live in Safe {Wallet}. 🔹 One multisig transaction routes idle wETH, wstETH, USDC, USDT or WBTC into Morpho Labs Earn, powered by Kiln DeFi. 🔹 The Safe receives non-transferable vault-share tokens, so signer policies and audit trails remain intact. 🔹 Yield, Steakhouse Financial risk scores and fees appear beside existing balances – no extra API work required. Behind the scenes, Morpho Labs vaults keep capital productive while preserving instant liquidity, and Kiln delivers the end-to-end infrastructure, audits, and SOC 2 Type II controls institutions expect. This is the next frontier of crypto finance: where security and yield are no longer at odds. Where onchain treasuries can finally operate with the sophistication and confidence they deserve. I’m grateful to the teams at Safe.eth, Morpho Labs and Steakhouse Financial for sharing this product philosophy and executing on it so seamlessly. Excited wait to see what DAOs, startups and treasurers build on this new foundation. To anyone still doubting: the future of finance is being written in Europe—and these four teams are holding the pen 🇪🇺 Try it now 👇 Massive thanks to the ones involved lukasschor.eth, Thibaut 🍉Multis, Julian Grigo, Christoph Simmchen, Christoph Sonn, Florent - gecko arc, Paul Frambot 🦋, @MerlinEgalit, T, SebVentures, adcv_ & and everyone at Kiln who brought this to life (you know who you are)

Laszlo Szabo

13,246 views • 1 year ago

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The Vigilant Fox 🦊

15,553 views • 4 months ago

📣🤔Why Flare ☀️ announcement of tailored DeFi Money Market for #Flare native assets & #FAssets is significant? #FAsset decentralized trustless cross chain collateral system will have a tailored built for #Flare Lending and Borrowing market alongside it on #Flarenetwork 🛡️A battle tested Money Market protocol is a key foundational 🏗️cornerstone to support a robust DeFi ecosystem on #Flarenetwork Kinetic.Market☀️ is tailor built ⚒️ for Flare ☀️ ecosystem. Integrating #FAssets will provide minters ability to earn real Yield🤑with their #FAssets by lending them to Kinetic.Market☀️ decentralized money market protocol. (Based off Compound contracts with numerous enhancements) #FAsset lenders will receive interest paid by borrowers in a decentralized manner. #FAssets/#Layercake Assets & #Flare native issued ERC20 tokens +stablecoins + $wFLR will likely all be available for lending into & borrowing from the protocol Borrowers will need to maintain an over-collateralize position for their loans. Kinetic.Market☀️ is Built by the highly experienced team at Rome Blockchain Labs Inc. Labs who has built numerous successful DeFi protocols including BENQI🔺 on #Avalanche which launched in 2021 and currently has $500Mill in TVL(Total Value Locked) Along with other versions of lending protocols on Evmos, Moonbeam and more. These smart contracts are based Compound Labs and have been enhanced, battle tested, multi audited and tailor suited to each individual ecosystem. Kinetic on Flare will harness FTSO and state connector. “Kinetic’s collaboration with Rome Blockchain Labs provides the robust technological infrastructure essential for seamless operations, while WATCHPUG and @ImmunefiSecCU which will oversee the platform’s smart contract audits and bug bounty programs, respectively.” Testing will begin on Coston2 and launch on Flare ☀️ 2024 👉I will be releasing a video📽️ 6am EST that breaks it all down and includes some additional insights of what else to expect from #Kenetics impact on #FAsset system and partnership with Ēnosys , too! Revolutionary native token reward and incentive system🤑 Will we 👀 Rome Blockchain Labs Inc. Labs super cool next gen Dapp Terminal Hopefully integrated into Flare ☀️ in the future😉 2 specific things that are tell tale signs of how DeFi is maturing. I noticed in my research, the emphasize on the detailed data available from IntoTheBlock & #ChaosLabs of ECONOMIC “Risk Management” tools for previous Lending & Borrowing Protocols built by Rome Blockchain Labs Inc. 🔗👇Economic Risk Radar 👇🔗 BENQI🔺 Rome Blockchain Labs Inc. Labs 🧐 The 2nd being Kinetic.Market☀️ numerous mentions of “devising a strategy” something I have been saying for past two years once the 2nd wave of a more mature DeFi ecosystem develops and built on foundation that’s been designed on a network like Flare ☀️ that offers multiple native yield streams at the network layer. #XRPL xls30d AMM’s will bring some of that ability to native #XRP but not at the level #Flare will once #FAsset system and #Layercake are live. Harnessing #Flarenetwork FTSO price feeds, the industries most decentralized & accurate Oracle system. The fact that #Flare has this system built into the network natively with close to ~100 community and professional Data/Infrastructure providers providing continuous price feeds removes the MAJOR RISK of having to integrate an external centralized oracle system like every other lending & borrowing protocol does on other networks. Having the FTSO system embedded natively into #Flare allows for any DeFi Dapp to easily integrate FTSO price feeds directly into Dapps avoiding complex external oracle integrations Exciting times ahead for Flare ☀️ with Kinetic.Market☀️ tailor built money market alongside #Fasset System will offer numerous opportunities for users pand Devs to build 🏗️Dapps on top of 🚀🚀 🔗 📽️Sneak Peak👇#1

Mickey_B_Fresh☀️🪝

51,362 views • 2 years ago

Dan Campbell said, "It starts over with the work. There is no complacency. There is no entitlement. We go back to work, and that is the focus. Because, if you don't work, it doesn't matter." It means doing the work. It means competing every day. How The Best Compete: 1. They outwork you - It means consistently showing up, doing the work and committing to your craft. The best in their field value the importance of hard work, going the extra mile, and continuously improving your skills. This dedication sets them apart because they grow and improve consistently. 2. They outhustle you - Hustle beats talent when talent doesn’t hustle. It means having a relentless drive and a never-give-up attitude. It's about taking advantage of every opportunity, being proactive, and staying ahead of the competition. The best understand that effort and determination can outshine natural talent when combined with hard work. 3. They outlast you - It is the principle of perseverance and resilience. Outlasting the competition means maintaining resilience and endurance over the long haul. They stay persistent, overcome obstacles, and continue to move forward when faced with seatbacks. Their steadfast mindset ensures longevity while others are filled with doubt. 4. They out-focus you - It means prioritization and focusing on what matters. It's about prioritizing your efforts and channeling your energy into what truly matters. Competing means you have a clear vision of who you are, what you want, and how you are going to get there. This level of concentration ensures that you maximize your productivity and achieve your objectives. 5. They out-adapt you - It means continuously growing, improving, and adapting. They are masters of constantly reassessing where they are, changing, and reinventing themselves. It's about finding solutions, learning from failures, and continually adjusting your strategies to stay on course. This ability to pivot and persist is crucial for long-term success. Competing every day is a mindset, not a moment. It means do the work, give your all, and never settle.

Coach AJ 🎯 Mental Fitness

94,456 views • 1 year ago

You earn a high salary. You are smart. You think this means you should pick your own stocks. You are wrong. The skill that makes you rich in your profession is not the skill that makes you rich in the markets. Let me help resolve your dilemma - mutual fund or stocks? • Time Fallacy Rajiv Thakkar makes a brilliant point. If you earn 50 lakhs or 1 crore a year your time has a specific hourly rate. Spending 20 hours a week analysing balance sheets to beat the index by 2 % is a loss making activity. You are effectively working for minimum wage in your second job as a fund manager. • Information Asymmetry You are competing against machines and teams of analysts who track businesses 24x7. They know the management. You may read a quarterly report 3 days after it is published. • Psychological Cost Direct stock picking requires an iron stomach. Can you handle a 40 % drawdown in your portfolio while also have an argument with your boss at work. Most professionals panic sell at the bottom because they cannot manage the stress of two high pressure environments simultaneously. • Here is why I although a professional but still invest directly in stocks :- • Investing is like hobby to me • I enjoy reading annual reports on a Sunday afternoon (and it doesn’t feel like work). • I enjoy finance & human psychology books. • I understand valuations • I have seen bear markets and know I can handle them • I believe in compounding and understand that impact of even a 1% expense ratio on my portfolio over the long term • I can keep emotions away while investing - I don’t have FOMO seeing my old stock become a multibagger. Neither do I panic to see a stock down by 40% in my portfolio (infact Network 18 is a part of my portfolio and down by 40% right now) If you can’t stick to what I’ve mentioned above, you should know the mutual fund advantage:- A good mutual fund buys you leverage. You are hiring a specialised team for a fraction of the cost. They handle the volatility. They handle the rebalancing. You focus on your career where your primary cash flow is generated. Let the compounding happen in the background. And you can focus your mental energy on increasing your professional income. That is the highest ROI activity you can do.

Pilot Investor

75,851 views • 6 months ago

Grateful to win the xavier stocks Hackathon by Kraken with divergence 🌌 @0xscanty We built xPrime, a prime brokerage for onchain equities. Here's some learnings about the potential and mechanics of tokenized equities: 1. Equities are the biggest pool of idle capital in the world. ~$100T in equities, ~$40T in retail brokers sits in spot. In an AI world where value is accruing to equity vs labor, most are structurally underexposed. Services like stock loans & structured products that let users do more with their assets are inaccessible & costly. 2. Tokenized equities enable financial offerings (earn, borrow, trade, spend) on parity to traditional finance, but accessible globally to anyone with internet. 3. Programmability and composability create net new financial surface area. Traditional brokerages are walled gardens. DeFi strategies between markets for spot structured vaults lending perpetuals options neobanks for RWAs is the new frontier. 4. There's no free lunch. Onchain financial system for equities is not without intermediaries & counterparties. Risk is being shifted to asset issuers, tokenization platforms, KYC'd mint/redeemers, permissioned RFQs... 5. DeFi infrastructure needs to adapt. There's no (and likely not going to be) deep 24/7 onchain liquidity for tokenized assets. Swaps are currently done via KYC'd non-atomic mint/redeem, or atomic RFQ like Cowswap with variable spreads especially after hours. This creates problems liquidating loans & rebalancing vaults. Solving this with T+1 & clearing houses will enable literally trillions of collateral to come onchain unconstrained by DEX liquidity. More collateral -> more demand to borrow -> more yield for lenders -> onchain economic expansion! Thank you to the hackathon hosts, fellow participants, and sponsors for the great experience. We'll be building more!

ethan 🎣

50,187 views • 3 months ago

"The short term price of Bitcoin is now controlled by Wall Street. And they want your Bitcoin." Simon Dixon (Simon Dixon) spent a decade watching the same institutions that dismissed Bitcoin quietly move to capture it. He came on to explain the plan for the coins you're holding and the one move they can't stop. "They don't want you to self custody it. They want you to borrow against it. They want you to trade perpetual futures." His framework is sovereign vs subordinate: either you hold Bitcoin you can access with no permission from a bank or a broker, or you're in debt to the system for everything you own. We cover: - Why Wall Street now controls Bitcoin's short-term price and what they actually want with your coins - How Bitcoin gets captured: custodians, ETFs, lending products - The unrealized gains tax and how it's used to strip assets - Why he says you cannot vote your way out of this - Where you actually sit on the sovereign vs subordinate spectrum - Why self custody is the one thing they can't touch Thanks to Simon for coming on New Era Finance Podcast. Thanks to OKX Dutch for sponsoring this week’s episode of New Era Finance. Make sure to use their 8% Deposit bonus in the comment tweet! Timestamps: 00:00 - Intro 02:33 - Michael Saylor and the Financial Industrial Complex 05:23 - How Wall Street Took Control of Bitcoin 11:14 - Tokenization and Control in the Financial System 16:58 - Unrealized Gains Tax and Asset Stripping 36:50 - Boycotting the FIC and Building Sovereignty 49:44 - Bitcoin: Centralization vs Decentralization 57:46 - The Path to Sovereignty

Michaël van de Poppe

165,063 views • 10 days ago

DROPS E25: Shaaran 🛸 from Multipli.fi: Why Trillions Will Soon Move On-Chain! In this episode, Shaaran breaks down why stablecoins, tokenization, on-chain yield, and the US debt system are all converging into the biggest shift crypto has ever seen - and how Multipli is building the infrastructure to power it. We talk about: - How Shaaran went from 13-year-old Solidity hacker to building a million-user exchange - Why “stablecoins aren’t stable” and how the US debt system resembles a Ponzi - Why the US wants stablecoin adoption - and why yields can’t be passed - The coming tokenization wave: gold, oil, bank reserves, sovereign wealth, everything - The coming “global hunt for yield” as trillions move on-chain - How Multipli helps any asset (BTC, gold, RWA) - generate transparent, risk-adjusted yield And much more! Timestamps 0:00 Introduction 1:29 Welcome To Drops 2:10 Having A Crazy Week 2:42 Who Is Shaaran 4:06 How Shaaran Found Interest In Ethereum 5:04 Something To Help Build Trust 6:12 You Left And Came Back, Why? 7:28 Where Does The Fire In The Belly Come From 9:04 Why Is Blockchain Beautiful 10:19 Where The Fascination With Crypto Comes From 11:39 Stable Coins Losing 5% Per Year 11:57 What Is A Ponzi Scheme 12:45 Ponzi Scheme Connected With U.S Government 15:47 When Did This System Start 17:47 How Could A 5% Rate Jump To 10% 19:03 What If The Rates Go Down 20:52 Why Stable Coins Matter For The U.S 24:56 Why The Yield Bill Not Allowed To Be Passed 26:12 Trillions Of Dollars In Banks Tokenized, Why? 30:26 0% Yield On Tokenized Assets? 31:36 No Built In Yield Explained To Mom 33:27 What Happens To Yield Once Everything’s Tokenized 35:16 Explain Multipli To Your Mom 35:50 Why Take The Risk For 3–4% Yield 38:29 How Much Bitcoin Is In Your Protocol 39:12 Explain How Blackrock Cracked The Code On ETFs 40:42 Examples Of Multipli Producing Yield 44:15 What Does Overcollaterized Mean 45:02 Risk For Losing My Gold 45:58 One Thing To Remember

MR SHIFT 🦁

63,623 views • 8 months ago