Author: 0xLoki

Review of the recent reliable U-based financial products, all of which I am personally investing in, with a comprehensive annualized return of over 10% + additional new token rewards:

1/ Binance Wallet

The best channel, without a doubt, safe, stable, with ongoing returns.

a. Bitway's official deposits, APY is adjusted every month, the latest APY is 8% U-based + 4% Token rewards (the actual issuance is at least that much), the biggest advantage is that on the 1st of every month, there is a scheduled redemption and you do not have to wait for 7 days, allowing for dynamic adjustment if there are other financial arrangements.

b. Unitas, APY changes dynamically, but has been stable at 9.5% for a long time, and the returns are U-based with additional points, though the amount of points redeemable is uncertain, with a 7-day redemption period that cannot be avoided.

c. Zerobase, similar to Unitas, maintains an APY of 9%, redemption period is up to 7 days, but the actual time to receive funds has not been tested yet.

d. Huma, USDC pool, around 8% APY, redemption usually takes no longer than 7 days but is often within 2 days based on actual tests, the only drawback is the timing around TGE.

These several have similar characteristics, my investing priority is a＞b＞c=d, to avoid putting all funds in one basket and risking total loss.

e. USDD (ETH), APY has been stable at 7% for several months, the biggest advantage is flexible deposits and withdrawals.

f. R25, high returns, but relatively higher risk, could reach around 20% during promotional periods, but it is now closed.

Locked deposits: Bitway (official site)＞Unitas＞Zerobase＞Huma; flexible: USDD

2/ Internal financial products

a. Binance's U finance, limit of 8000U, 8% APY, available for another 10 days.

b. BG/Gate/MEXC/Bybit often have promotions offering 10%-20%, but APY is frequently cut, so I don't invest much now, too lazy to deal with it.

c. OKX's internal offerings including new listings are somewhat not very useful, but OKX's European site is decent, it is a bit niche, the deposit offers an annualized reward of 8%, and there are activities to stake for new tokens and financial products, it is very easy to achieve a long-term return of 10%+ when combined, but the obvious downside is that only European users can register, and there may be tax issues if you live in Europe and use compliant exchanges. It's best suited for friends who have European identity but are not tax residents in Europe.

d. BIT fixed income, the first 5000U can get 15%, lasting for 1 month, other periods often have 7%-10%.

e. Other shady exchanges promoting in the ditches.

3/ On-chain financial products

To be honest, most people are too afraid to invest here, but a few involve:

a. USD1 related, often have promotions, I will make some short-term deposits when there is official backing + sufficiently high APY.

b. Small funds for points: for example, on Monad's TowenSquare, using around 1000U cyclical loans can help accumulate points to get into the top 100, this deposit-to-loss ratio is pretty good, so I will use it when I have opportunities.

c. bStocks on-chain LP, this depends on the interval, APY is acceptable, but there is impermanent loss; if you already hold these new coins, it should be fine.

d. New coins and LP, new coins launched on Binance Alpha generally have very rich LP returns in the first two days, but this can only be chosen from popular projects, take some and run, with the risk of loss.

4/ New listings

a. Kraken: Although the exchange is quite abstract, SPCX is a scam, the last two new stock listings resulted in one profit and one loss, Squid opened at 3x, so overall it is still very good. It is recommended to make a few trades every month and get a few dollars' membership, the chance of winning a lottery will be much higher, pure white accounts are quite hard to hit.

b. Legion: Legion divides into ordinary and Prime projects, Prime is rare but always good, this time I am looking at Squid because it is Prime, ordinary projects often break even, but Prime is still stable for now.

c. Echo (Sonar): KYC is required, and now they have launched a permissionless mechanism, so the quality of the projects varies, I didn't participate in the recent two sessions, BitFi and Town, one had no participants at all, and the other had a bit high FDV.

d. MetaDAO: A platform for pig's feet rice, characterized by having a very low FDV at launch, all around hundreds of thousands of U, so each instance has serious oversubscription, but returns can be promising, notice there are also selected and ordinary, usually official retweets are fairly safe for pig's feet rice.

e. Futarddotio: A permissionless version of MetaDAO, very speculative, hundreds of thousands of dollars FDV can break even at launch, must pick the quality, not as good as the main site.

f. MEXC/Bitget/Gate's internal Launchpad: MEXC＞Bitget＞Gate, previously SPCX/OpenAI were decent, but each subsequent one declined, MEXC because of storage plummeting has canceled the MU discount new listing; after that, it is expected to be even lower.

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