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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?
Established protocols, simple mechanics, a short or instant exit.
BTC, low risk: 5 options
Full breakdown in picks 2026-09| Option | Rate | Our verdict | How to exit |
|---|---|---|---|
| Liquid BTC Yield · ether.fi vault | 2.36% live · 30d avg 1.56% | caution | see the protocol |
| LBTC · Lombard BTC staking | 0.25% on 14.09 | caution | native redemption up to 10 days, or sell LBTC |
| WBTC supply · Fluid lending · BTC lending pays little; mostly useful as collateral | 0.09% live · 30d avg 0.11% | caution | see the protocol |
| Babylon BTC staking native staking | 0.04-0.55% (top with BABY co-staking) on 14.09 | caution | unbond on your own in about 50 hours |
| kBTC on Tydro (INK points) lending + points | mainly INK points on 14.09 | caution | 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.
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.