Bull and bear markets are hard to distinguish, and everyone is hesitant to trade cryptocurrencies. Putting money into DeFi wealth management, unexpectedly, DeFi has also faced issues.
Therefore, this time we won't discuss those returns that can easily reach dozens or hundreds of percent, nor will we encourage any fancy strategies. Rhythm BlockBeats has selected a few relatively stable options in the current market, with APYs around 10%, and pools that have been validated over time on both on-chain and off-chain trading platforms. These are one of the directions available in the current market.
Overall, Binance's BFUSD currently has a relatively outstanding comprehensive advantage, being more stable than similar products in terms of yield, mechanism design, usage expansion, and risk structure.
Binance: BFUSD (11%)
The annualized yield of BFUSD will dynamically fluctuate with changes in funding rates and hedging strategies, recently averaging around 4%–7%, with the current actual annualized yield at approximately 6.34%. Earnings are distributed daily, requiring no additional purchases; simply holding it allows for automatic collection.
Perhaps to commemorate the one-year anniversary of BFUSD's launch, Binance has recently introduced an additional yield activity, allowing for an extra 5% reward on top of the original annualized yield during the activity period.
This means that eligible users can enjoy a comprehensive annualized yield of about 11% within a limited quota.
There are two conditions for participation: holding BFUSD in a contract account or unified account; maintaining a minimum open contract amount of 1,000 USD in either a U-based or coin-based contract account. Binance will take multiple random snapshots of users' open contract amounts each trading day and determine eligibility based on the lowest snapshot value. The activity has currently been extended to December 2.
Additionally, an attractive point is that under the "joint margin" model, BFUSD can also be used directly as contract margin, further enhancing capital efficiency while earning returns.
The upper limit for additional yield per account is 1 million BFUSD. However, the quotas for sub-accounts are calculated independently, so users with larger capital can maximize activity returns through multiple accounts and sub-accounts.
After all, it is Binance, which has a relatively high safety factor, and it is also a stablecoin wealth management option, with the highest yield among these four, making it worth paying attention to.
Sky: sUSDS (9.4%)
Sky Protocol (formerly MakerDAO) currently offers a 4.50% APY for its sUSDS savings pool, with returns coming from its core Sky Savings Rate (SSR) mechanism. Within the entire product matrix, including sUSDS savings (4.50%), SparkLend lending (3.55%), and traditional DAI DSR (1.25%), these three together form Sky's stable income system.
The current total locked value (TVL) of the protocol is 5.93 billion USD, and it has achieved multi-chain deployment.
Among these options, the risk-return ratio is still optimal for the Sky Savings Rate (sUSDS). The current APY is 4.50%, and DeFiLlama's predictive model shows that it is likely to maintain above 3.60% in the next four weeks; the TVL of this pool is 3.737 billion USD, indicating robust scale. Users need to hold USDS first to deposit and obtain sUSDS.
Specific operations to obtain USDS include: upgrading DAI to USDS at a 1:1 ratio (no fees); exchanging through the PSM mechanism using USDC or USDT; or directly exchanging ETH for USDS on CoW Protocol. After authorization, depositing USDS into the savings pool will automatically mint sUSDS and start accruing interest.
In addition to the basic yield, the protocol also offers SKY token rewards (STR) as an additional source of income. The current additional APY for this part is 4.91%, also calculated based on the amount of sUSDS. If combined, the theoretical total yield can reach about 9.41% (4.50% basic yield + 4.91% SKY reward).
The way to participate is to deposit sUSDS into designated farms to start earning SKY rewards. However, it is important to note that SKY rewards need to be claimed manually, and the token price is subject to volatility risk, so the actual yield rate will be affected by market prices.
Lista: slisBNB (10.8%)
The core position of Lista DAO on the BNB Chain goes without saying. Lista DAO has now built a relatively complete DeFi ecosystem, with the most core product being the slisBNB staking pool. The current APY of this pool is approximately 10.8%, and the total locked value of the overall protocol has reached 1.83 billion USD.
In addition, Lista also offers lending vaults, stablecoin CDP minting, and various liquidity mining pools, with yields ranging from 2% to 15%, covering a variety of strategy needs from conservative to aggressive.
The core slisBNB currently has a TVL of about 1.2 billion USD. It maintains a 1:1 redemption relationship with BNB, and its price continues to appreciate as staking rewards accumulate. All slisBNB are fully backed by BNB staked on validator nodes, belonging to a non-custodial mechanism, with relatively high security and transparency. The protocol will take 5% from staking rewards as treasury income, but this has little overall impact on users' annualized returns.
The basic BNB validator staking rewards are approximately between 7% and 8%; after deducting protocol fees, Lista further enhances overall returns through LISTA token incentives, stabilizing the final APY at around 10.8%; all earnings will automatically compound into the price of slisBNB, requiring no manual operation, and no additional staking or claiming of rewards is necessary; holding it will automatically grow.
The operation process is also quite simple. Users only need to connect their wallets, deposit BNB, and the system will automatically mint slisBNB and start generating returns. After that, no further action is needed; earnings will continue to accumulate and be reflected in the token price.
Jupiter: JupSOL (6.58%)
As the largest DEX aggregator in the Solana ecosystem, Jupiter's JupSOL has become one of the most core staking pools on-chain. The current annualized yield of JupSOL is approximately 6.58%, and the total locked value of the entire Jupiter-related ecosystem is about 2.91 billion USD.
In addition to JupSOL staking, Jupiter also offers lending markets, perpetual contract liquidity pools (JLP), aggregated trading routes, and supports direct entry into the ecosystem through jup.ag, while also layering in the JUP governance token reward mechanism, creating a complete financial network on Solana.
Among all products, JupSOL is the most core and stable. Its returns mainly come from SOL validator staking rewards, averaging between 5% and 7%, supported by Sanctum infrastructure, and there is no lock-up period, allowing for free use in DeFi at any time. JupSOL's returns will continuously roll over through automatic compounding, with re-staking occurring every hour, enabling holders to continuously earn incremental returns. Additionally, some deposits from Jupiter Perps will be automatically staked, enhancing the overall yield structure of the pool. Users only need to connect their Solana wallet and exchange SOL for JupSOL to immediately start accumulating returns. Of course, the premise is that you can tolerate a drop in SOL.
Moreover, Jupiter's lending market provides another more strategic direction for returns. Assets like USDC, USDT, USDG/USDS, SOL, JUP, and mainstream assets like ETH and WBTC can participate in deposits or lending, with deposit annualized yields ranging from 4% to 7%, while lending rates will adjust dynamically with utilization rates. The platform allows for high loan-to-value ratios, with stablecoins reaching up to 95% LTV, suitable for leveraged cycles: users can deposit USDC, borrow SOL, and then exchange SOL back to USDC in a continuous cycle to amplify returns, but risks will also be correspondingly magnified. If you prefer stability, the current 6.58% APY for JupSOL staking is a better choice.
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