Topic: is there any safe ways out there to get 10-15 % ANY return rate ? (Read 491 times)

I utilize the dexlender tool or defilama, which exclusively focuses on stablecoin pools, to identify pools with the most attractive yields. While there are newer and less-known projects available, I generally lean towards established platforms such as Benqi on Avalanche, Compound, and Aave. These platforms have maintained a solid track record over several years without any reported hacks. Additionally, I consider the Total Value Locked (TVL) metric of a protocol, recognizing that a higher TVL doesn't necessarily guarantee safety but can serve as an indicator. I avoid centralized exchange (cex) platforms, as history suggests that they may eventually face issues in returning funds.

The desire to get a fixed ROI is very strong as this is one of the most common requests you will see people making, and yet it is one that cannot really be satisfied, and this is because the markets do not move like that, anyone that takes the time to look at the chart of any asset will see that there is not a single straight line with an upward trajectory allowing the price to grow 15% each year, the movements of the market are chaotic and sometimes even random, and by necessity this means that anyone that promises such a ROI every single year is most likely a scammer.

I wouldn't advise you any exchange rather just pick some important and reputable coin to hold than putting money in exchange, you should try as much as possible to have a personal wallet give yourself a minimum of 2 years and maximum of 10 years you would be amazed on what you would see by then, at least it's safe and reliable than locking your assets in the hand of exchange or platform all in the name of getting 15 percent of what you have invested, I believe bitcoin is sure to give you that in the next 4 years only if you can be patient enough to withstand any wave flying over the crypto space and again DCA will also help you as well.

There’s a stablecoin staking that offers fixed APY on DeFi but with a very low percentage but yeah I agree that the OP interest percentage that he is looking is impossible to attain due to the volatility of the crypto itself that needs to be Stake.

There’s some platform that offer above 15% even on stablcoins like Binance for newbie user with max amount for that tier but there’s a risk on holding asset to centralized casino as you said.

I think holding Bitcoin is one of the safest way to achieve this kind of profit with less risk if we are talking about a year of waiting for investment to mature.

Nexo is a safe option to my mind. My friend uses it since 2019 and gets some 12% percentage or something like that anually on his deposits.
The safest option at the moment is long-term holding. You won't get fixed 10-15% annually but at the end of the day, when one, two, three, four or five years pass and you see your balance in USD values, you'll realize that you probably gained 300% or more profit on your old deposit that you were holding till that day.

If someone thinks that certain altcoin will have a bull run and rise in future, then investments that Binance offers can be a good option because some of them have very high income. But this is not a safe way, so, let's forget this one.
Trading is not welding to go in school and learn. Trading is a combination of luck, intuition and experience but there is a hack, if you are just a fish in the ocean, you shouldn't stand in front of whales, just move along with them, behind their back and your trades will go well.

Unfortunately I have to say that nothing is safe and guaranteed here in the world of crypto. There is no fixed ROI in reality here. If there is, that would be mostly from the scammers and ponzi opportunities.

You can do staking if you want and achieve an APY percentage. However, it would be in the form of altcoins where the prices are not stable and guaranteed despite you’re gonna achieve that number of coins or tokens after the locking period is over.

And as for the centralized exchanges like Binance which has flexible savings plan, I do not think I can count on them to save and stake my funds as we do not have the full custody of our assets there.

If this is in line with trading, I don't think we can make this ROI safely as several unforeseen circumstances can happen and risk is always going to be there..

But for some kind of consistent profits, staking can be considered as an option, another option is getting into business with some  gambling platforms that can equally pay you a decent Return on capital for providing liquidity to them and pay you a returner..also let's not forget very few will give high ROI as they too are in business to make money .

UST was a whole different story, but I understand your point; we haven't ruled out the possibility of another algorithmic stablecoin having a similar fate. However, a quick look at beefy.finance and you'll find up to 30% APY on stablecoins. Certainly, nothing is guaranteed, and some vaults are riskier than others, but I believe that 10% to 15% on average is achievable with a low to moderate level of risk. Apart from stablecoin vaults, you'll also find vaults with random, usually new tokens, with APYs as high as 2,000%; certainly, that's a whole different story, and the risk is much greater. Personally, I wouldn't take my chances on such coins unless you're up for a gamble.

Staking is by far the safest way to earn that huge amount of return, but when I mean safest, it doesn't mean that there isn't any risk on it anymore because any investment has risk, and we should know that. What I'm trying to say is that, staking can give you that return (depending on the coin of course), but there's a risk still to it. Another one I guess is providing liquidity in DeFi's, but no one is talking about it anymore thus, I don't even know if many are still using it right now.

As for banks giving 5%, I guess you are referring to digital banks who are offering that amount when you store money in their digital mobile app. Traditional banks aren't giving that huge, and the highest I think that they can give is at least 1% which is pure sh*t knowing how high inflation is right now.

Crypto exchanges giving up to 15%? You can try it, but the risk is high knowing that exchanges are prone to hackings. Don't recommend though.

10% APY in stablecoins may seem like a good deal, but it's still a risk, because if we look at stablecoins like UST they are worthless because of greedy CEOs and scammers.
Be aware of the risks involved, make the most of them, and profit consistently.

But saying with 20% APY on Altcoin or token is quite risky, because indeed the price fluctuation will be very fast.
Maybe the token will continue to be obtained but the price that continues to decline will make the coin price worthless again.

There are many kinds of scams with large profits, but in the end, it will only hurt.
Be careful with promises that provide large profits.
Beefy.Finance only offers a vault of a new project but it is possible that it will be harmful or even a scam.

Because banks aren't running to your advantage. If they provide you with a 5% APY, along with everyone else, how are they going to make money? We live in a capitalistic world, and banks aren't in your favor; in fact, they're quite the opposite. You can achieve over 10% APY with stablecoins; that doesn't necessarily mean it's risk-free, but there certainly are options to consider. You can even find significantly higher than 20%, but you'll be investing in tokens that are highly volatile, and you may suffer from impermanent losses. Although you'll be gaining coins daily, you'll ultimately lose money because their value keeps dropping. Keep an eye on Beefy.Finance, they offer a variety of vaults that you can stake in; you'll find something that suits your needs.

when it comes to investing, the risk equatest to the return, with this case you are right, the most safest way to invest, which is through bank deposit, offer 5%, can't expect other thing to be offering more.
after all those that offers more APY or annual return higher than bank usually have some risk. therefore there's no really safe ways that gonna make sure our capital are never gonna risked for the sake of some 10-15% annual interest.
moreover, staking might be a good idea, but as you can see, the staking rate of stablecoin which supposed to be just as safe as deposit, is also low, because so many people are staking their stablecoin.
thats why finding safe way to invest and get more than 10% will be quite hard.
the only way is to increase the risk a little more and get more return, but sometime it also exposes the capital to massive risk of fluctuation.

If banks can't offer more than 5% then why should you expect other financial institutions and enterprise to offer you with a higher percentage other than what the banks can offer, sometimes we all by ourselves invites scam to take over our finances when we are too eager on seeking for what is not, those we are thinking can offer us such amount are also going to engage doing business with the money before taking out their own profit then consider your own return.

But not all altcoins have the possibility to give you 10-15% return rate as most of the altcoins are here not to make us profitable but to make their own market profitable through our funds. Which means to clearly take advantage over our funds. This is why if we want to really indulge with altcoins, chose those well established and have high utility case so they won't get devalued easily especially when the market suddenly create a market crash or market price decline.

But if you focus on bitcoin, the worries are not that high even if we say that the risk is high. As long as you understand how bitcoin works and you never assume high consistent profits, then you are safe. Bitcoin is never a get rich quick, so one should only expect minimal profits but rest assured that you will never get scam or its value will end up in zero value just like what most of the altcoins have experienced in the market.

There’s alway risk in cryptomarket though its possible but of course it will still depend on how much knowledge you have when it comes to investing. In my country the banks can only guarantee at least 2% per year and that’s pretty low honestly and I don’t suggest bank for this purpose. Cryptomarket offers a lot of opportunity to make money, just keep on learning and look for your best investment with crypto.

Banks are mostly safe in a country as compared to these exchanges as we have seen many exchanges that were top ranked but later some of them got hacked and some of them rugged etc. So, most users got big losses in their crypto, and also they got some loss through trading and some loss through their wallets hacked. It would be better to go for the banking option.


Staking has a risk as there is less risk in banking as that is already giving 5% and it is also a dependent factor for the amount we have to put in the bank. And we also need to wait for it to get more profit. It is also worth a benefit if some users are going to get it through banking instead of they are going for a staking option in trading.

op You give yourself a little more time to think about this and think calmly about what you need to do. You can invest in Bitcoins without leaving a crypto exchange.  Because if you invest in Bitcoin then it will give you good profit at the end of the year. If you can invest time well then it will take you to the pinnacle of success. Presently our bank is suffering from dollar crisis so I will tell you instead of keeping it in bank you invest bitcoin.

You can use cex some give high APY like bitget. I don't use kucoin. I use only Binance and this I mentioned. So as I was saying. It is possible especially when they get a coin listed. Is just by staking their token within the week needed for the event then if you can do what is needed you will credited with the actual amount like a launchpool. This process has been ongoing for a long, and I'm currently doing that for PPT.

Answer is already on your post. Banks can’t give you an interest greater than 5% while this crypto exchange which you didn’t know physically located or have claim whenever they run offer a lucrative percentage. DeFi on crypto is pure gambling despite they are promising safe passive profit because exchange has a chance to runaway or got robbed including your money.

Why not just hold Bitcoin and wait until the next bullrun. You can earn more than 15% safely if you will never sell at loss.

No investment or financial instrument is ever completely safe. Every investment carries its own risks and the higher this risk rate the higher the return will be. For example, if we don't consider the recent banking crises, the probability of banks going bankrupt is generally quite low and therefore it isn't easy to obtain high returns from deposit interest but especially a newly established cryptocurrency exchange is very likely to go bankrupt and for this reason in order to obtain more funds it isn't easy to obtain high returns. It provides income through higher deposit interest.

On the other hand, if we look especially at countries with high inflation we can see that government banks gives lower deposit interest compared to private banks because they are less likely to go bankrupt. Even though both businesses are banks, there will be a difference in the risk-reward ratio due to the risk factor created by both banks. That is, in this case, although it is the same investment type the deposit return will not carry exactly the same risk.

In summary, there has never been and will never be a financial instrument or investment that can provide a sure and guaranteed profit. The amount of return obtained from investments varies entirely depending on the risk rate it can potentially provide.