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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. How much risk?
Leverage loops, LPs, unsecured credit and CEX lending: the rate depends on how you use it.
Stablecoins, high risk: 4 options
Full breakdown in picks 2026-09| Option | Rate | Our verdict | How to exit |
|---|---|---|---|
| sUSDS / USDT loop · Morpho leveraged loop · rate at max leverage on 14.09; swung from -18% to +25% over 30 days | 25.57% on 14.09 | solid | see the protocol |
| PT USD3 · Pendle (17.12) fixed rate · unsecured credit; our report keeps caution on a thin exit | 14.13% on 14.09 | caution | sell PT at market, or hold to 17.12 |
| PT sUSDai · Pendle (Arbitrum, 25.02.27) fixed rate · loans backed by GPUs | 9.91% on 14.09 | caution | sell PT at market (thin), or hold to 25.02.27; sUSDai itself exits on a 30-day queue |
| Perp-DEX vaults market-making vault · rates live on our vaults board | see /vaults 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; source of yield unclear | 11.1-18.4% by lock on 14.09 | no report | see the protocol |
Split a sum across risk levels
Low60%$3,000USDC supply · Aave (Ethereum) (12.55%) · Liquid USD · ether.fi (9.00%)
Medium30%$1,500PT reUSD · Pendle (10.12) (10.86%) · PT sUSDat · Pendle (14.01.27) (10.50%)
High10%$500sUSDS / USDT loop · Morpho (25.57%) · PT USD3 · Pendle (17.12) (14.13%)
Blended rate today: about 11.65%, roughly $583 a year. Rates move; this is arithmetic on today's numbers, not a forecast.