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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.
ETH, low risk: 6 options
Full breakdown in picks 2026-09| Option | Rate | Our verdict | How to exit |
|---|---|---|---|
| Liquid ETH Yield · ether.fi looping vault | 4.59% live · 30d avg 3.26% | caution | withdrawal up to 72 hours |
| EarnETH · Lido (Mellow-curated) looping vault | 3.30% on 14.09 | solid | withdrawal up to 3 days |
| stETH · Lido staking | 2.19% live · 30d avg 2.25% | solid | withdrawal queue (about 5 days on 02.10), or sell stETH |
| WETH supply · SparkLend lending | 1.48% live · 30d avg 1.45% | solid | withdraw any time while the pool has free cash |
| WETH supply · Aave (Ethereum) lending | 1.46% live · 30d avg 1.45% | caution | withdraw any time while the pool has free cash |
| ETH on Tydro (INK points) |
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 |
|---|---|---|---|
| Binance ETH staking CEX staking · custody with the exchange | 2.23% on 14.09 | no report | see the protocol |
Split a sum across risk levels
Low60%$3,000Liquid ETH Yield · ether.fi (4.59%) · EarnETH · Lido (Mellow-curated) (3.30%)
Medium30%$1,500weETH / WETH loop · Aave V4 (Etherfi) (18.90%) · Fluid Lite ETH vault (4.80%)
High10%$500weETH / WETH loop · Aave V3 (Plasma) (28.06%) · wstETH / WETH loop · Morpho (13.61%)
Blended rate today: about 8.01%, roughly $400 a year. Rates move; this is arithmetic on today's numbers, not a forecast.