Stablecoin Yields Strategy Guide💰How To Beat Your Bank with Passive Income🚨

Stablecoin yields are returns generated by depositing stablecoins into third-party platforms or protocols, not from the stablecoins themselves. These yields, which typically range from 2% to over 15% APY, are derived from various mechanisms like lending, liquidity pools, or real-world asset (RWA) backing. 

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00:00 Intro
00:08 Sponsor: BTCC
00:39 The Year of Stablecoins
01:08 Bank Yields Suck
01:38 Be Your Own Bank
01:56 Bluechip Stablecoins
02:32 Free Portfolio Tracker
02:50 Sponsor: Tangem Yields with Aave
03:26 PYUSD on Aave
03:50 RULSD on Aave
04:08 RLUSD on Euler & Doppler Finance
04:39 USDG on Solana
05:04 PYUSD on Kamino
05:29 USDC on Sui & Kai Finance Vault
05:59 Slush Wallet Vault Monitoring
06:28 USDF on Flow & More Markets
06:58 USDF on KittyPunch
07:50 Avant on Avalanche
08:11 Yield Yak Intelligent USD
08:33 Farm $SONEX on Soneium
09:04 Farm $KAT on Katana
09:55 Virtuals & A.I. Agents
11:38 Yield Guide Rule List
13:36 Wait For Ripple & Crypto Banks?
14:14 outro

#Crypto #Stalecoin #XRP
~Stablecoin Yields Strategy Guide💰How To Beat Your Bank🚨~
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Episode Transcript

Speaker 1 (00:00):
Today, we're going to be doing a stable coin breakdown
for you. Where's the best place to earn You guys
are going to love it. Let's just jump right in.
I do want to thank our sponsor, and that is BTCC.
This is where you guys can start to work on
a variety of trade strategies. The good thing here is
you get a ten percent bonus on your first time deposit.
There are a ton of benefits by using our link

(00:20):
down below. What I recommend get in there, maybe do
a long or short I don't necessarily like to use leverage.
That's up to you, but what I would recommend is
try it. See what you guys think. This might be
a good place for you to begin some of your
trading out there in a lot of these times right
now where volatility is on point. Let's get into the

(00:41):
guide today. This is going to be a breakdown of
stable coins for you. You can only hold one coin
throughout twenty twenty six. What is it? Dropped comments down
below me. I'm probably going to say ethereum. That's probably
the one token I would looked at at holding more of,
not necessarily, but in the same view I would also
be looking at stable coins because of the amount of

(01:04):
interest that you can earn on a lot of these
platforms now, and that's what we're going to get into.
This is what you're fighting against, guys. You're fighting against
companies like this, Yes, JP Morgan, Chase, if you are
at premier, you're going to be able to get this
juicy interest rate of point zero one percent pretty much,
no matter if you put ten million dollars in or

(01:28):
one dollar in. That's the kind of variation that we're
seeing coming out of the banks, which is why stable
coins are obviously one of the biggest opportunities in terms
of passive yield going forward. And I think also you
have to look at the d banking side of this.
This is one of those things that has continued to
plague a lot of people in the crypto space. Here's
Jack Moller's talking about it, getting d banked over there

(01:50):
from Chase, and of course, as you know, unbank yourself
has been one of the biggest things that we talk
about here. Go over to blue Chip all right, Bluechip
dot or this is where you can really understand what
the quality level is for a stable coin, and you
can kind of see some of them right here. Look
for those a's. Obviously you've got ro USD in there,
g USD, Paxos is in their PYUSD which is PayPal,

(02:15):
even USDC holding a B plus interesting die, etc. So
a lot of opportunities here in terms of the stable
coin market. Tether holding a very bad score right now
at a D, so consider that as you start to
park stable coins out there in the market. If you
want to track this, what I recommend is just going

(02:35):
over to coin market cap, get into the set up
an account, and you can go in there and put
in a crypto portfolio tracker and even do it for
stable coins. There's a lot of features and benefits that
you can do with coin market cap. It's one of
the things we use for sure. Okay, So I want
to jump to the first category of stable coins and
areas that you guys should be paying attention to. One

(02:57):
of our partners out there, Tanjum. They've just turned on
this thing called yield mode and they're using ave ave
one of the most trusted sources in DeFi. Now you're
able to hold assets in self custody and earn yields
through AVE. So this is one feature I would recommend
turning on getting into it. If you haven't done self custody,
obviously go out check out Tangent. We'll leave a link

(03:20):
down below so you can do that. But the key
here is getting yield inside inside of AVE. There's a
lot of benefits within this. If you just look at
within AVE, what you can get under pyusd, which is
one of the trusted stable coins out there right now,
holding at about six point two seven to two percent.
I'll zoom in on that for you right there. Not
bad for stable coin. That's outperforming almost every centralized exchange

(03:44):
out there, well not almost, it's every centralized exchange. I
want to jump to this next category, and you guys
are of course going to love this one. This of
course is XRP and the ecosystem ril USD is the
one to watch. It's even earning more and that's at
seven oh three three percent. This is another factor that
I think I would start to shop around, try to

(04:04):
take a look at some of these DeFi platforms, see
where you can get the best out there in the market.
Euler Finance this is one, of course, is earning nine
point seventy nine not one necessarily that I would recommend.
I like the AVE over all of these. Doppler is
in here at almost seven to ten percent. This one
is coming soon, so it's not, yes, not yet locked
in on RLUSD, but it is a feature that you

(04:26):
can start to look at where you can park some
of these stable coins. And remember you should be in
a variety of stable coins. Don't think about just one
or two. Maybe you could hold as many as five
and then look for the best opportunity in each one
of those areas. The next one I'm going to go
to is Salona because Solana has a lot of different features.
I wouldn't necessarily say that it's at the top of

(04:46):
the list, but there are some features within it that
you can, of course really start to get some of
these earnings here USDC at five point seven eight, USDG
at six percent. That's probably the one that might be
a good play here. That would be again if you're
diversified in stable coins as you start to look at
parking cash on the sidelines. Camino is another one. This

(05:08):
is PYUSD earning right now, what is eleven percent? Are
you okay with that ecosystem? When it comes to earning
DeFi yields, especially around stable coins, I think that's the
question you have to answer first. Many of you I
know are big Salona users, so that might be one
that you would select. Personally, I would probably stay on
the Ether ecosystem and a handful of others. Another one

(05:30):
I want to jump to is of course suee one
thing that they've done and I think this might be
one of the best places when you get inside the
Sui ecosystem. Jump over to kai finance. This one currently
holding it at about six point eighty six percent on USDC.
Now that's on sue So that's another benefit that is
available to you right now within the Suite network. Others

(05:52):
that you can look at as Volo not necessarily one
of my topics, but there are some opportunities here where
you can start to earn some pretty good paired percentages.
Other things you got to look at as the slush wallet.
This is kind of a cool feature within the slush wallet.
You can actually track your vaults inside the slush wallet,
so it's going out looking at where your best performance

(06:13):
is helping you make some of those trades and moves,
so check that out as well. This is again a
guide that will give you a breakdown of what to
look for in all these different token ecosystems and in
all these different stable coins, and there's going to be
a lot more of them. Look for more stable coins
to be launched very soon. Flow Network is another one.
More Markets is probably the biggest one that I would

(06:35):
look at right here, and of course with flow you
can start to earn a little bit more. This one,
of course is over the last. Remember these are variable.
A lot of these are variable, but this one is
at ten point ninety four percent. Make sure you have
fast withdrawal capability, being able to get out of something
quickly without any fees or at least low fees. That
is a big one to watch for sure. Flow and

(06:56):
of course more Markets is a good example. This one
not necessarily if you like to go into Kitty Punch,
you can do that. This is another one that of
course does some pairing around earning some pretty significant amount
in terms of APR, and I like what they've been doing.
But again these are variable rates. So what you're seeing
right here on screen, though those may look really juicy

(07:17):
right now, many of the times these can change. Now
sometimes they can go up. So if you're a little
bit more risky and you're willing to go in those
kind of things, okay, no problem. The key is parking
them in the right kind of DeFi ecosystem. That's where
the risk is and that's the kind of scenario you
have to face. I know many of you might say, well,
I'm just going to stay on a centralized exchange Paul

(07:39):
and earn four percent, not a problem. I think that's great.
But for those of you who want to kind of
venture out, make your money work a little bit more,
and you're okay with diversifying and getting a little bit
more work in, there's some opportunities for you within these ecosystems,
all right. With Avant, which is within the avalanche ecosystem,
this one has the highest rewards out there. But one
of the things that I don't like about this one

(08:01):
is the withdrawal rate and the speed in which you
can get your assets out. That's a big factor to me.
This is a no go automatically. I think for some
of you guys might be okay with it because you
like those yields up to you other ones of courses
yield Jack. These guys have been around, they've weathered the storm.
They're holding on fairly good. I know some of our team,
our research team likes this platform for yield generation. I'm

(08:24):
not necessarily in it. It's not one I'm choosing, but again,
always do your own research on how you're going in
and placing your stable coins and getting them to work
in the market. I want to go over to Sonium
real quick because this one to get into, because you
can actually farm some Sona's tokens over there, and if
you are again high risk tolerance, you could literally go

(08:44):
in and get three hundred and twenty eight percent. Yeah,
that right there would give me the evidence to say,
no way am I going with USDCE around this. But
the point is is that there are some platforms out
there where you can actually kill it in terms of returns.
The key here is again never, just like an investing,
never put too much in one place. Katana is another

(09:07):
one that I would look at, and when you look
at Katana, there's some cool things here that you could consider.
First of all, it requires costly bridging from eth to Katana.
L two, the withdrawal period is another issue that you've
got to face. And of course this one does have
the ability to do it, but there are some things
within it and it rewards you in the kt token,
So some of these platforms will reward you in other tokens.

(09:29):
This is another strategy you can use if you are
okay with that on those rewards. Some of those tokens
might be worth a lot, which could actually compound your
yield in the future as an investment. Many people would
just say no, I just want to earn yield on
the stable coin itself. That's a perfect strategy to use.
But if you are interested in going in with something
like this on Katana, yields come back to you partial

(09:52):
are going to be in those rewards tokens, So just
be fully aware of that. Next category I want to
go to is of course taking a look AI. Now
AI is one of the biggest ones to watch because
I know a lot of people are out there going
I don't want to do all this work. I'm that way.
I don't like doing all this work. But if you
do want to get into it, Virtuals of course has
already set it up with butler AI and this one,

(10:14):
of course, is where you can go in and actually
instruct these agents to go out and find the best
yield for you. And that is a feature if you're
okay with it to get out there and get it done.
If you think about it, within virtuals, that's going up
to like fifteen percent. You also have to kind of
look at how they're working inside the Base app because

(10:35):
there's a couple of apps, and if you've never used
the Base app, go out and download the Base app
right now. It's a coinbas product. But the point behind
Base is they use these agents inside the app that
can go out and do the work for you. There's
two that we've been watching very closely. One of course,
is Banker and the other is Momo, both of which
can get out there and do things for you in

(10:56):
terms of earning yields. This of course is Banker and
they're bought, helps you get into USDC remain fully liquid.
Lots of ways that you can do this, track their
X accounts, learn what they're talking about, understand what their
agents can do for you, and if you are willing
to go that you're a little bit more advanced, this
might be one for you. Mamo is the other one

(11:17):
to kind of keep an eye on. Right here is
just showing kind of what MAMO is showing you how
you can grow your USDC assets just by utilizing some
of these AI rewards, So there's a lot within AI
and I think this is only going to ramp up
in the near future. We're going to see a lot
more agents come to market. When it comes to yield
and stable coins, I think we're going to be able

(11:38):
to use a lot of these. Just as a reminder,
this is our yield guide disclaimer. Always split your let
me kind of zoom in on that. For you, guys,
split your exposure to only blue chip stable coins. You
remember we showed you earlier how to rank a stable coin,
so go back in the video watch that. Beyond five
to seven percent, APY should be a minority of your portfolio.
Me I would say very small percentage of your portfolio

(12:03):
beyond the five to seven because the five to seven is,
in my opinion, the sweet spot. It's performing better than
a sex and it's getting you into a little bit
more risk, but it's giving you some rewards to do it.
Most money should be instantly withdrawable. Absolutely a non starter
if they require more than twenty four hours to get
my money out. Stick to highly liquid pools. Make sure

(12:24):
they have vaults that are over one hundred k and minimum.
Also split across multiple blockchains. That's a no brainer. You
do that already with your crypto investing split across multiple
trusted wallets. If you're in crypto this deep, you probably
have a multitude of wallets. Go with self custom software wallets.
Get the full mix in there, and then make sure
that the vault curators are old, they've survived previous black swans,

(12:48):
they've been around for a while. All that available to
you for sure. Avoid leverage, don't get in and get
anything to where you can get liquidated, and then avoid
bridging costs and fees. I don't like bridges just because
the exposure, but also just the fees itself. Use blockchains,
of course, where you can easily send stable coins back
to your centralized exchange like robin Hood, coin based etc.

(13:09):
These are kind of the dues and domes. When you're
going out and looking at all these different platforms, all
these different stable coins, you should have a mix. I
would say for stable coins minimum and if you're really good,
let's go into six. And it's okay to be a
little bit riskier on some of the stable coins. I mean,
even if you look at PYUSD, which is a major tether,
not necessarily scoring high, but you could hold it, USDC,

(13:33):
RIL USD. All those would be my selections going into
this last up. I want to kind of hit on
right here is what's happening and coming down the pipe,
because we're going to see more of this, and that
is the Ripple Bank. If the Ripple National Trust Bank
charter application gets done, which it looks like it's going
to happen very very soon, you're going to see some

(13:53):
very big activities that Ripple I think will force banks,
other banks, including neo banks to move more aggressively on
possibly yields going forward. So and remember Ripple just announced
the other day they were talking about on chain yield
for XRP and also r L USD, so be on
the lookout for a lot of that stuff. We're going

(14:14):
to cover this and some more stuff before the end
of the year. For you guys, of course, if you're
not part of the Baron Market Edge, that's our free group.
It's very easy to join. Just click the link down
below and hit me out there on x at Paul Baron.
I'll catch you next time right here on the Paul
Baron Show.