PLATFORM 01
Spreadefi
Earnings powered by exchange trading activity.
Spreadefi lets you earn by supplying crypto to exchange liquidity pools. Traders pay a fee each time they swap against these pools, and a share of those fees flows back to liquidity providers as earnings. The advertised rate of over 15% is variable: it moves with trading volume, the pool you select, and market conditions, so actual returns can be higher or lower over time.
There is no lockup — you can request a withdrawal whenever you choose, although payouts depend on the pool having enough available liquidity. Providing liquidity also carries impermanent loss risk: if the relative prices of the pooled assets move apart, the value of your position can lag simply holding the assets.
＋ WHY CONSIDER IT
Earnings linked to real exchange activity rather than borrower interest, with no lockup and flexible entry and exit.
↳ KEEP IN MIND
Variable returns that depend on trading volume, smart contract risk, and impermanent loss when pooled asset prices diverge.
Choose the strategy behind your yield.
Morpho vaults allocate a deposited asset across lending markets according to parameters set by an independent curator. The yield comes from those underlying allocations, so two vaults holding the same asset can have very different returns and exposures.
This is an option for users willing to inspect a vault, not just a brand name. Review the curator, collateral exposure, fees, and available liquidity. A displayed net APY can include rewards or other boosts, and should not be treated as a durable future return.
＋ WHY CONSIDER IT
A choice of curated strategies with information about underlying markets and allocations.
↳ KEEP IN MIND
Curator and governance decisions, smart contract exposure, bad debt, and limited withdrawal liquidity.
Stake ETH while holding a liquid receipt.
Lido offers liquid staking for Ethereum. Stakers receive stETH, a token representing their stake and rewards. The quoted staking APR is an estimate that changes with network rewards, and Lido’s published calculation accounts for the protocol’s reward fee.
The receipt token adds flexibility, but selling it is different from redeeming it. A market swap depends on the available price and liquidity; a protocol withdrawal follows a request-and-claim process. Consider both routes before deciding how quickly you could access ETH.
＋ WHY CONSIDER IT
An Ethereum-focused staking route with a tokenized position that can be held or used in compatible applications.
↳ KEEP IN MIND
Validator and smart contract risks, a possible discount when selling stETH, and variable redemption waits.
Staking from an exchange account.
Coinbase brings staking into a familiar account interface. Its official Earn page displayed an estimated 2.30% ETH APY in the source consulted for this comparison. This is a dated snapshot, not a locked-in offer. Rewards vary, and the amount shown in your account may differ.
Coinbase deducts a commission from network rewards. Standard unstaking takes time; instant unstaking may be available for an additional fee and is subject to limitations. Confirm that your asset and jurisdiction are eligible before transferring funds.
＋ WHY CONSIDER IT
An account-based workflow for users who prefer the provider to handle the staking process.
↳ KEEP IN MIND
Provider custody, commission on rewards, geographic restrictions, and asset-specific unstaking delays.
More options, with more conditions to read.
Nexo offers account-based flexible and fixed-term savings products. Its global USDC page advertises up to 10.5% annually for fixed-term savings. The applicable rate depends on the product, loyalty tier, reward choice, and region; this maximum is not the default rate for every customer.
Flexible products prioritize access, while fixed terms commit assets for a defined period. Regional offerings can differ materially. Read the terms shown in your own account, including minimum balances and the requirements for any higher rate, before treating an advertised maximum as attainable.
＋ WHY CONSIDER IT
Multiple savings terms and supported assets within a single custodial account.
↳ KEEP IN MIND
Counterparty and custody risk, term restrictions, jurisdictional limits, and extra token exposure if selecting token-based rewards.