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Where to put it
Pick a goal, an asset and how much risk you take. You get a short list chosen by hand from our monthly picks, with today's rate, our research verdict and how you get out.
From picks 2026-09Not financial advice
1. What do you want?
2. Which asset?
3. How much risk?
Leverage loops, LPs, unsecured credit and CEX lending: the rate depends on how you use it.
BTC, high risk: 4 options
Full breakdown in picks 2026-09| Option | Rate | Our verdict | How to exit |
|---|---|---|---|
| WBTC / USDT LP · Uniswap V3 (Ethereum) LP · fee APY moves with volume (12% in August) | 23.35% on 14.09 | solid | see the protocol |
| cbBTC in Hilbert BTC vault (Base) vault · all of the APR is paid in hBTC, the vault token; campaign to 15.10 | 10.00% on 14.09 | no report | see the protocol |
| WBTC / WETH LP · Uniswap V3 (Arbitrum) LP | 9.33% on 14.09 | solid | see the protocol |
| Supply BTC, borrow USD, farm stables strategy · liquidation risk if BTC falls | depends on the stable leg on 14.09 | no report | see the protocol |
Sorted by today's rate within the risk level. "live" rates come from our yields board; dated ones are from the picks issue. A verdict is our research on the protocol, not on your position size. Not financial advice.
Alternative: centralised exchanges
Simpler to use, but the exchange holds your coins: freezes, regulation and the exchange's own solvency are the risk. Not your keys, not your coins.
| Option | Rate | Our verdict | How to exit |
|---|---|---|---|
| WhiteBIT earn CEX lending · custody with the exchange | 10.4-17.3% by lock on 14.09 | no report | see the protocol |
Split a sum across risk levels
Low60%$3,000Liquid BTC Yield · ether.fi (2.36%) · LBTC · Lombard (0.25%)
Medium30%$1,500WBTC vault · Gearbox (Merkl) (2.52%)
High10%$500WBTC / USDT LP · Uniswap V3 (Ethereum) (23.35%) · cbBTC in Hilbert BTC vault (Base) (10.00%)
Blended rate today: about 3.21%, roughly $160 a year. Rates move; this is arithmetic on today's numbers, not a forecast.