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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?
Fixed-rate PTs, vaults and newer collateral: more yield, more moving parts.
BTC, medium risk: 3 options
Full breakdown in picks 2026-09| Option | Rate | Our verdict | How to exit |
|---|---|---|---|
| WBTC vault · Gearbox (Merkl) vault | 2.52% on 14.09 | no report | see the protocol |
| WBTC · YieldBasis leveraged LP · you pick one income source, not both | 2.54% fees or 4.72% in YB on 14.09 | caution | see the protocol |
| cbBTC · YieldBasis leveraged LP | 2.29% fees or 6.73% in YB 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.