You don't have to sit on 0% while you wait for an entry. There are 3 places paying around 8% on stablecoins right now, with no leverage. The best one isn't the highest rate. 1. USD1 on Dolomite (Ethereum), ~8% APR The simplest one. Deposit $USD1 into @Dolomite_io's lending market and earn interest from borrowers. The 8% is about 3.8% lending interest plus 4.3% in rewards. ~$319M supplied and ~$51M sitting available, so getting out shouldn't be a problem. The catch is over half the yield is rewards, claimed separately through Merkl. Without them you're closer to 3.8%. 2. Plume x Re7 vault on Kamino (Solana), ~8.2% APY Deposit USDC into the Plume x Re7 USDC vault in @kamino's Earn section. About 3.8% is borrower interest and 4.4% is incentives. ~$7.8M in it. Heads up, the 90-day average is 6%. Treat 8.2% as lasting about as long as the incentives do. 3. ONyc on Loopscale (Solana), ~8.3% APY @onrefinance's ONyc earns yield from reinsurance, basically the premiums insurance companies pay to protect themselves. On @Loopscale you deposit USDC, borrowers put up ONyc as collateral, and the interest they pay is your yield. Almost all of it is real lending interest, not rewards. The catch is it's 98% lent out, so only ~$390K of $24M can come out right now. Size it small. If you want more and can wait, @Rockaway_X's OnRe Core Vault has averaged ~11% over the past month, with a 7-day wait to redeem. Which would you use? If you're parking cash for a better entry, getting it back fast matters more than squeezing out another 2-3%. That's Dolomite or Kamino. None of this is risk-free. Smart contract bugs, depegs, falling yields, and thin withdrawal liquidity can all bite. Where are you parking your stables right now?