My bank gives me 0.5% APY. Here's where I'm putting my stablecoins instead.

I have about $15K in savings earning 0.5% APY at Chase. That's $75/year. A joke.

Started moving into DeFi stablecoin yields about 6 months ago. The learning curve was steep - which protocol is safe? Which stablecoin? What's the actual risk?

Found a cheat sheet that compares yields across 7 stablecoins with risk ratings. The simple version:

Low risk (similar to a high-yield savings account): - USDC on Aave v3: 4.2% APY - USDT on Compound v3: 3.8% APY - DAI on Spark Protocol: 5.1% APY

Medium risk (higher yield, some smart contract risk): - crvUSD on Curve: 8.1% APY - GHO on Aave: 7.5% APY

Higher risk (complex strategies, but big returns): - sUSDe on Ethena: 14.8% APY

Even the conservative option (USDC on Aave) would turn my $15K into $15,630/year vs $15,075 at Chase. That's $555 more per year for basically the same risk level - Aave has been running for 5+ years with no exploits.

The cheat sheet is $2 and has the full breakdown with protocol names, chains, and risk ratings. Saved me from having to check 8 different websites.

Link: https://hokedev.gumroad.com/l/kftyr