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.

If you are asking for 10-15% returns that seems possible but if you are asking for safety assurance, you only just fail. Because the truth is that when it comes to crypto investment, nothing has been safe. We might earn this month for this amount XXX but we can't assure that we can still earn the same in the next month. And this is because we are not controlling the market like in the situation where there is a pump this month and then followed by a correction, we can't really expect good profit but possibly losses.

And much more if you put your investment into exchanges. You are risking too much.

This reminds me of  the exact same discussion with someone thinking high APY in some shitcoin is better than banks:



At the moment the guy would have lost nearly half of his investment, right now he is even worse with his shitcoin being worth only $3.11 so despite the APY he would have ended right now with $5.1 versus the initial $17 and even $20 if we assume he would have got them invested in simple tok indexes.

Don't get tempted by high returns in shitcoins people, you will end up far worse than holding fiat, these are just printing machines on steroids.


Solana is that thing  now worth 10% of its ATH? 

Unfortunately, this is the nature of high-risk investments such as cryptocurrencies. Your friend just hopes that IPC will ever reach the initial price again.
If this is the case, his staking investment has more than paid off, as IPC is still paying out very high percentages of coins through staking.

Basically, you should never be blinded by high APYs, they have a reason. Often the reason is quite banal, that the coin is highly inflationary ...

I understand op didn't specify if he wanted apy on usd or whatever but I wouldn't consider staking alts to be a safe investment. One of my friend invested in $DOT during last bull run and put into staking and now his staking amount although has increased but dollar value is marvelously lower from what he invested.

even though banks might seem quite interesting enough with the so called "safe" investment that gives annual return of 4-5% but one should know that if the inflation outweigh the interest, then you're simply losing your money or in other word losing the value of your money, many rich people out there always calling deposit isn't really that good because of the inflation and only profitable with huge chunk of capital reaching more than millions, if its just some measly a few thousand dollars most likely it won't impact anything.
but at least its safer than investing in other investment that fluctuates, at least you will get spared of losing your money instantly. even though you're still losing some money but only fraction of it.

If a person does not want to take a risky option and the banks offer 4% to 5% where they live then they need to take that option, as there are many countries where the amount you can get out of banks is 1% or even less, but anyone that is looking for 10% or more in profits per year and wish to obtain those profits in a safe manner are simply wasting their time, as the only way that exist to get such high profits is by trading a market like this one or by investing in a good asset and hold it.

Yes true, the risk is all around us and the more you learn the more you realize that there are so many risks that you should avoid. I personally didn't know how much risk we had when I first started, I got lucky a lot of times, I could have easily invested into a lot of scam projects and a lot of places that got "hacked" and took peoples money, I never did but not because I was smart or anything, I didn't because I got lucky and majority of the time I didn't have money to put into them.

This should be important to many people and it shouldn't really be all that much of an important thing, and yet even with that type of risk, you could still find other stuff that could give you a good way to make some money. Maybe it's not all that simple, but it is not impossible neither. It's smarter if you could just keep it to yourself and not share it with anyone, get bitcoin, put it on a safe place, and hold it as long as possible is still the safest option out there.

Yes I think liquidity pools from decentralized casinos are rather safe or at least safer than CEX products and DeFi investments because they are both decentralized unlike CEX platforms and based on a proven solid business model unlike DeFi pumps and dumps schemes. With Azuro protocol you can make 15-18% APR so even higher in terms of APY rates.  

But you will encounter another problem when staking with tokens or altcoins, which is its future value. There is no guarantee that the value of Renec or Solana will stabilize or increase in the future, if it is dumped or disappears, you will also suffer losses and lose all your capital. High APY is just a sophisticated trap that altcoins are creating to trick investors into investing in it for the long term. I have a friend who is also staking, he bought ICP for 50$ in 2021, and he is staking at binance. But you can check ICP's current price, I don't think it can increase in price to help him recover his investment, let alone profit.

Briefly summarized: No, there is not.
Long-term major investors expect an annual profit of 3% on construction projects, for example, and anything above that is already considered utopian high profits. So if someone would tell you that there are ways to make 10-15% annual profits, it is most likely a scam (attempt).

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However, what is entirely possible are staking rewards at this level. Chains such as Avalanche offered a little over 10% at the beginning of staking. The crux of the matter: You will of course get the rewards paid out in the respective altcoin, so your annual return calculated in USD depends heavily on how the altcoin performs in the overall market. If it falls - like now in the bear phase of the last 2 years - your annual profit is also gone.

I will strongly advice against saving your money or crypto on centralized exchanges as this is very risky, if you are not new to crypto, you should know Bkex exchange, it used to be one of the most popular exchanges around, if you check this exchange, they are no longer processing withdrawals, this is if they are still online though.

I deposited and stake $440 dollars' worth of an altcoin that newly got listed on the exchanges as they were offering about 50% APY on every stake, I thought this to be a very good opportunity to earn some more of the tokens for free, I never knew it was my doom. 15 days after making the deposit and staking, the exchange stopped processing withdrawals, it's been over seven or eight months now, nothing from the team whether we will ever get our money back or not.

So, for me, i think the only safe way to stake in cryptocurrency is by decentralized staking, there are still some decentralized staking that offer up to 10% APY, you can check Renec blockchain for example, you can stake Renec coin on renec blockchain for up to 10% APY, just same as it is with SOL on Solana blockchain.

Banks in my country offer now 4-5% return which is somewhat save and seem a lot for some people. But we need to take inflation into consideration, it doesn't make sense to keep money in the savings account with inflation at 6-8%. Annual returns of 10-15% seem like a reasonable target for active trading, but this is not going to be save. There is going to be considerable risk involved that could lead to short term loses. Any well diversified stock portfolio achieved 10% return over a long enough period of time, with crypto currencies the same is your possible. The only problem is if you need the money each year for other things you might be in trouble. The worst thing that could happen in trading is being forced to sell at unfavourable prices. I think the first step should be to determine how much risk you are willing to accept and then build your portfolio accordingly.

Any attempt to try to get more money than what you currently have entails a risk and there is no way around it, especially since it seems that you only want to deposit your coins and get a high interest rate in return, an impossibility and if you actually try to pursue this goal then it is likely you will invest in a HYIP and get scammed.

Now if you are not afraid of working hard for months or even a whole year then you could become a trader, since traders can obtain those kind of benefits as long as their skills are good enough.

i almost forgot, ai is doing more amazing things than I thought ut would and that will possibly change everything

honestly, its like crypto mining, while mining itself can be profitable, and many times not, there is almost always a profit in running a "mining pool", there are bigger investments and a little work, but dine properly, it works

so... likewise, the best position in trading is owning and/or running a service structure that  profits, the investment is much bigger and there are legal challenges, but almost every crypto "service" can be so up and down, that the gedt get is provide tge service, i think that, other than freak investment returns, the highest profit out there is coin creation, byt ut requires a good amount of knowledge and a semi decent pc setup, that existing, people pay in the thousands for something like five hours of computer work, of which the coder puts in about an hour, i could be wrong about the numbers though

the difficult thing with staking and why they are taking that huge chunk of profit is growing the money itself, would you be so sure that you can grow your own money by yourself? they've got the platform set up that is for the sole purpose of easiness in growing money.
I think its fair enough if they got some chunk of the profit without spending a dime because they offer service, its only unfair if their platform got hacked or something like that and they lost your money because of their mistake and don't want to give reimbursement because they think they're not responsible.
though everyone could have their own opinion in this regard.

Haha, you might want to check out this post about getting secured with both dex and cex. So you know how to start your journey

https://bitcointalksearch.org/topic/m.62971784

That "it will be controlled by someone else" part is so important that people do not understand it well enough. You could use your money however you want yourself, giving the rights of it to someone else so they could use it to give you some return doesn't make sense to me. I mean it's YOUR money, why would you want someone else to take it from you and make more money. Even if we assume that they are legit, if they give you 10% return, do you think that they are not making more?

I mean if they take 100 dollars from you, turn that into 250, give you 110 back, that's 10% return for you, but without spending a dime, they made 140 dollars in profit. Does that make sense to you? I say go use your money yourself, that is a lot better, that way you would be able to take the full profit and will not need anyone else. It's not really that hard, you could learn whatever they have learned and make money that way without a trouble, should not be a big task.

Safe? Everyone is looking for that but too unfortunate that we can never find it here in crypto investment. We can possibly earn more than the amount that local banks can offer to us but if we are looking for safe assurance, crypto seems to be not the right place to stay. Crypto investment has been known not for its profit potential but also because of its volatility and risk. Dare not to try if you are afraid to lose because it is useless to invest when the later part you will sell your investment at a loss.

But if you have to force yourselves then I would suggest just buying Bitcoin only, not altcoins.

If we are talking about APY%, that is possible and depends on the coins you choose. Now, if that's what you mentioned, Nexo or Kucoin, I don't know yet which coins are listed on their platform that give 10–15% apy.

But I advise you, just from my point of view, that if you have knowledge of crypto trading, maybe it's better to do that, or if you are too lazy to do trading, there is another option: there is also copy trading, especially now that there is something like that on Binance just recently. Try to research what I am saying.

Maybe there are actually several platforms that provide staking or saving with quite high APY. However, we cannot guarantee that it will actually work or be safe or not. Moreover, some of them are DEX, so maybe the risk is quite high, especially new DEX platforms. Even when we try on well-known platforms such as Binance, Kucoin and others, we have to continue to be vigilant because there could be several problems related to the coins being staked or in the process it turns out that the coins are no longer valuable. Or some other things that might definitely cause us losses. Therefore, nothing will be completely safe, because there are definitely loopholes and risks that we have to face. So, don't trust any platform too much in this matter.

Safe means less risk and less profit. Profit and Safety are inversely proportional to each other. So if you run after one, the other one will get out of your hand. What you can expect is that smaller profits in smaller period of time. In this you won’t invest big amount at once and you won’t lose all your capital. Yes crypto trading can be a good option, but you need to do it when you learn about trading and do proper risk management.

Nothing is safe.  If you stake your money then it will be controlled by someone else so your money will be completely at risk.  In case of crypto remember not your key not your money.  And in the case of banks, due to the presence of some documents and the control of the central bank, if a bank goes bankrupt, you will get some compensation, but you will not get the full amount.  So even in this case it cannot be said that your money will be safe.  If you want to profit then you must take risk remember no risk no gain. nexo, kucoin we know these are big companies but there is no guarantee that your money will be safe in there

We have something similar in my country as well but they offer higher returns somewhere within the high 20-40% and even offer to pay these returns upfront before the actual payback is due.

It sounded too good to be true and it was because their only revenue generating model is to give out loan to retailers and get 100-300% back for those repayment of loans.

I didn't touch it because it's only a matter of time before their inevitable collapse.

When it comes to investment, when it comes to business then there's no way that you would really be having that 0% risks on which it is really that always there or really that in default.They do only differ on the level of odds or chances when we do trying out to compare when it comes to skills,knowledge and experience which each person does have their own level of expertise whether they could be able to handle up those risks or not
basing up into their goals and targets that they had set out. 10-15% return rate? it is already that big but something achievable on this space but of course you should really be needing to deal up with the risks
and never ever make yourself that believe that there's such path on having no risks because even in dreams then it cant really be just that possible.

For digital banks then they are really that offering something like that which we cant really be able to deny that it is really that far way more better than with those traditional banks
but the risks here is that they could anytime be locked out and where you would really be running for help on the time that they would close or having those locked up accounts or having
some facing some issues? For sure it would really be a challenging thing and not something that a risks that you could easily accept out.

Here in our country, there are some mobile banking or digital banks that offer some APY rates ranging from 6% - 15% but it's not lifetime like they have this promo that you need to accumulate to specific numbers they decide then you get the high rate for a month.
In cryptocurrency, decentralized platforms like lending also offer this but the 2-digit rate is seems difficult to find.

thats right, the advantage with banks despite significantly lesser interest rate is that it have some kind of insurance that your money wouldn't be just turning into thin air when something bad happens.
quite different with exchange in general where there has been many cases in which these exchange just outright refuse reimbursement even though they should be responsible.
if someone is so afraid that their precious investment could be gone in the blink of an eye, just deposit it, even though the interest rate is just enough to fight inflation thats the thing which turn off many people to be reluctant to invest in banks too, it is as if they are just wasting time but its most safer option.

There isn't really anything that is "safe" in the crypto world. You can't be %100 sure that its guaranteed income and you can't really be expecting it to go smoothly. It doesn't mean that everything will always be a trouble, obviously sometimes things go great, but the idea that something could go wrong is still there and its bigger than a bank being bankrupted and you losing all your money. Even at places like Binance, which is a huge 100B+ company at this point, things could go south very quickly, and all they need is one big hack. That is why never trust any of these options to be %100 safe, you can go into whatever you see fit, but always have some backup plan in case things go wrong.

Get into three platforms that offers 5% APY. And from there you'll get a 15% return in total.
That's actually safe but you know that these APYs changes overtime and you'll be needing a lot of money so that you'll feel these returns.
Even if it's just a 10% APY, you'll not feel that when you get 5%-10% of inflation in your country.

Education is needed but it does not make the risk go away. It can only diminish it. Once he did that, he will be aware that many lending platforms and exchanges in the crypto world have already collapsed and there might be more to come. Even the banks are not safe too. They can also experience it.

I think it's better to just choose the one's that has a refund program. If not, just be very cautious and try to secure the profit once you already got them. Consistent returns are possible when it comes to these matters. We only need to learn more about the company that are offering it so that we know what to expect and the outcome won't shock us.

I would guess if you hold it long enough then you are going to end up with something good anyway. Bitcoin holding may not bring you 10-15% in a single year, but if you hold it for 10 years, the averages for yearly will be more than 10-15% without a doubt. That is of course for fiat, not bitcoin and you should be guessing something like that for sure.

I think the best thing to do in this case would be making sure that you end up with something that would  benefit you on the long term and I know that it will be something that could get to a level where it would be smart to handle it. I am not sure how long you can hold, but if you can hold it for a long term then you are going to end up with some great returns. That is why we are in the crypto world anyway, we are here because we want to make sure that we could hold it for as long as possible, and if we could hold it for as long as possible then we are going to end up with a greater return without a doubt.

Seems hard to find with this percentage of APY, most of the banks just offer around 5% of them reason why most of the people doesn't want to pull all of their money in the banks and at the same time your money now handles and become deposited to a centralized organization so you don't have any choice now to follow their rules. In crypto exchange it varies those are the percentage you've seen when the market pump or do you have any kind of basis of percentage per day so you come up with the 15%?, well really depends the market is volatile there's no fix rate here so if you don't want to have a risk with this don't ride and make a safe play with the banks. Currently in my country they are offering a 11% but this is a digital banks only this app is Paymaya or Maya (re-branding).

You don't need any of these minor percentages on your assets because inflation will consume all of it when the time comes. Your actual capital appreciation comes from the growth of the value of your assets, not some rate of return by giving or loaning your assets, which may not end well. When I see people giving away their assets to any platform for the sake of a simple return, I get paranoid. Better keep it in a safe wallet.

Forget about any platforms that offer annual or any rate of return because if you don't run, by the time they go bankrupt, you will be the one that will be running after them. I mean it is not too hard to buy BTC or any coin of your choice and hold them, most of these returns are just decoys to get liquidity and trap people not selling their assets by using time to hold them, it doesn't work and will not work because bitcoin doesn't have a bank. The banks used your deposited money for loans to companies, have you asked what this platform used your assets for, definitely to other companies which don't end well, you can do research on celsius bankruptcy.

i have invested into kucoin about 6850 usd in 30.10 and im getting about 5 USDT return daily so far i have received 60 usdt  until today...

the APY % is working its correct  the only thing to worry about here is if the kucoin gets hacked ore bankrupts  ore if the BTC significaly falls  then the amount is transfered into BTC and you are basicaly in loss until BTC goes back up over that value


so is it better then to invest into realestate and put it into booking ore airbnb  such things usualy give 8-10 % ANY return   steady income

I have never seen anything that can return up to 10% to 15% fully safe and with a total guarantee. Every investment carries some percent of risk the greater the investment and return the greater will be the risk involved. Let's take the example of banks when you invest your money the bank returns a meager percentage but here the risk is very minimal as you know your money is safe In the bank but if you invest the money in the crypto exchange it will more return then bank but involve more risk as you don't know when will the market goes up or down. But without taking risk life is boring and there is the quote that risk gives you the best opportunity either you take it and goes up or leave it and stay the same.

I've found that these really high APYs can be misleading. On Kucoin you can get really high yields but these investment terms only last for 1 week.  You can get 26.72% APR on Bitcoin but the period is only 7 days so effectively you will only get a 0.5% return on your investment. You might be able to get a guaranteed 15% return but only on altcoins with high emission rates that always get dumped. Having 15% more of a coin that loses 90% of its value is a terrible investment.

Wherever you are giving up custody of your funds is not safe, especially in crypto, in irl I banks are somewhat trusted as government looks after.

System where you delegate funds to other party for certain interest and retain the custody of funds yourself is only worthy endeavor, imo.

Honestly you can try and buy some corporate bonds those will be more than 5% however you need to realize there is a chance the bonds can default if the company goes bankrupt. Buy corp bonds from companies which have a good balance sheet.

Investing in anything crypto related is a huge risk. Sure you can get 100% gains but by investing in the wrong alt you can lose 99% of your money. Back in the day you could of made a decent % just by lending out stablecoins but the good premium is no more.

Nothing can be safe forever but at least you have a chance to get that kind of return. But there may be a private wallet that you can use for staking so you can still control it directly. That could be the solution but you should look for more information.

Instead of choosing Kucoin, consider using Binance and staking BNB. You can get lots of new coins later because there is a distribution from Binance to its users. But in Kucoin, you can also get shares of new coins apart from staking KCS, a coin from Kucoin. But it's all up to you.

But the best is to keep Bitcoins for a few years in a personal wallet. Let the Bitcoin sit there while you do other things for a few years and wait until the Bitcoin price increases. That will exceed your desired return.

The question itself seems no longer relevant. I mean, there's no concept of absolute safety when it comes to investing our money, and I believe that's what you're getting at, as you're aiming for a consistent return on your investment. A promise of 10-15% returns appears exceptionally high, and most platforms offering such returns are likely to turn out to be fraudulent.

Just think about it: if you were to invest $1 million, it would theoretically yield a maximum of $150,000 per month or year, which sounds like easy money. However, it's crucial to exercise caution because anything that appears too good to be true should raise a red flag.

i'm pretty sure there's reason why banks only give maximum of 5% of interest and some people are attracted to it because with bank it give you assurance that you money won't vanish into thin air.
with exchanges that offer staking program I think they can be safe enough until they get hacked then whether they gonna reimburse or not still unclear.
but the only viable way if you're looking for the safest way is indeed staking through exchange, that if you also trust the exchange itself, but i'd advise only to use reputable exchange like binance and the likes because they are big company hard to fail even after hacking occurring because they certainly have countermeasures.

Those offers from exchanges are not even safe because they're holding your crypto and you don't hold your private keys.

If you want to get that type of return, you'll have to choose the platforms that allows you to hold your private keys. As there wallets that allows, I guess so but still those percentages are changing overtime when there are a lot of stakers.

Usually with these exchanges, they're allowing this return with the deposit of stable coins but again, there's the risk and that's all you need to know.

One of the commenters here is right that there is no safety in any crypto exchange that is categorized as a centralized-based system, especially if money is involved and KYC is required of us. If the DEX platform still has a risk, especially the platforms that are under the centralized system,
But if you have faith in Kucoin and Nexo, the decision is still up to you, really.

The community here on the platform like mine is the only thing we can do to give reminders to anyone like that, and it's up to you if you believe the opinions expressed by a few here in the comment section that you made a topic.

As long as everything we do involves money, there is always a risk involved. The important thing is that you must be ready to accept or face it.

The risk of losing your money in the cryptocurrency market is very high and this is why the high percentage of profitability is due to this. As for the traditional bank, the risk of losing your money is completely absent, since your deposit is protected by insurance. Therefore, you must decide for yourself which is more suitable for you, high risk and high profit or low risk and, accordingly, low profit.

If you want to invest in the long term, good Proof of Stake coins may be your choice if you have enough to reach the limit. Solana is the cheapest option, but stakingrewards is 7.13% +0.23%. The only problem is that you will be betting here that the price of Solana will not decrease.
ADA give you 3%
BNB 1%
ETH is the best, but you need to invest large amounts, which are 32 or about 70K USD.

You can play with options on stakingrewards, but I do not advise you to invest in Proof of Stake coins, as the price may fall and you may suffer losses, even with a good return.

Chasing high yield products can lead you to Ponzi scams. You can lend your ETH, WBTC or other stable coin in any leading protocol to generate 3%-5% yield. If any project is offering a super high yield that means they need to generate that much revenue as well to sustain the selling pressure from stakeholders. Most of the time they can not and end up being rug pulled to their investors or the price dumped heavily.

If you want to feel safe like banks, I prefer to invest only in Bitcoin it has low volatility compared to other coins. Alts have huge potential ROI but the risk are high.

It's safe to buy on the mentioned exchange above but don't ever keep your investment there especially if you're going to hold long term. You should transfer it to your personal wallet where you are the owner of the private key. It's more safe if the wallet you use to hold your Bitcoin is open-source and non-custodial such as electrum.

You obviously never heard of hyperinflation in Turkey or Argentina. In many Asian countries you can get nearly 10% safely just with fixed deposits but in Argentina it is safely over 100% per year.

The point is not about interest rate but about keeping money in an asset that can protect loss of value. You may not get any interest with BTC in your wallet but BTC vs USD keeps going up every few years.

S&P500 has a 10% average return in the last 100 years. You know some years less, some years more but if you hold long enough your average returns will be around ~10%. You can buy an index fund like VOO or similar. If you are after a low annual return like 10%, you shouldn’t be investing in crypto imo. Crypto is for the high risk takers and high risk means high returns (or losses). 5% bank interest is only good if you’ll need the money in the short term. 5% interest will kill your bucks in the long term because the inflation is way higher than 5%.

That depends of your country, in my country i get 11% directly by the goverment. and some 14% from some Fintech bussines without risk.

I can get some 18% to 21% with some risk.

But those rates will not last forever, Last year goverment rates was about 5% to 8%, so it can vary over time

I can't promise NExo or Kucoin being safe. No one can. In fact i always sort of suspected that kucoin could go down any day. It had strange strategies at the start that that they already had to change, which made me think they didn't have any legal team or even advisors. Nor i have any clue if they ever got any.

Their help desk is a joke. One could make 100x better implementing chatgpt translation, and i still don't think they would know any better than informed customer. As they are only working and looking the answering sheets. Most of the time it's a question that they need to ask their from bosses anyway. And they are busy and might not answer any time soon. If ever.

I would say that while nothing is safe, some places are safer than other, so don't go chasing higherst return with the cost of having to deal with iffy exchange. Coinbase, kraken, bitfinex and binance have a good track record dealing with customers, and while they might not give biggest returns, i would definitely stick on those.

Those who offer safe and passive way to earn money are just purely scam since there's no platform or person can offer you a guarantee earnings without getting an issue. Although the platform you mentioned is quiet reputable but you cannot get a guarantee that they will remain reputable and can 100% sure that they can deliver what they promise since there are so many unwanted circumstances that might possibly happen and that can affect your investment. We all like to have passive profit but we can only achieve that for now on income generating physical assets but if you search it on crypto maybe we cannot get that way since all of the options available are risky ones. So try to be more resources to search those good investment options so that you can try them up and make sure you don't place all your money in single platform since dividing it could potentially give us positive result.

To answer you precisely, there’s no safe way to earn that kind of interest in crypto because exchange has the tendency to go bankrupt same with banks.

You are aiming to earn so it’s natural to have risk on it because that’s natural law of the world. You can’t earn without exchanging anything for it either in a form of service or risking money for investment. I believe best term you are looking for is less risky which I believe through holding Bitcoin is your best chance to hit that profit margin with less risk if you will just hold your asset long term.

It is easy to get 10-15% ANY return rate, but the problem is that you will get that percentage in the form of altcoin and the value of this token/coin may decrease, or you may not be able to withdraw it, or it requires a large capital that makes the risk of losing everything very possible.
Therefore, instead of looking for an easy, unguaranteed profit, it is better to learn trading, as it can easily enable you to achieve a good profit, or at least DCA, for Bitcoin during the next 24 months.

It's safe if you take the time to educate yourself more on the matter. However, it's important to acknowledge that the concept of consistent returns is quite rare.

Now, let's delve into the specifics: Are we indeed referring to annual returns here? As far as my knowledge goes, banks typically offer interest on a yearly basis, and this interest rate can fluctuate from country to country. It's worth noting that some banks opt not to provide interest to depositors; instead, they may charge fees for the safekeeping of deposited funds.

I know of two coins which are Atom and Dot. You can stake them to earn. The APY for atom is 18% while the APY for dot is 15%. For the dot, the minimum amount that you can stake is 270 DOT. You can stake this two coins on noncustodial wallet that support their staking. There are other coins but which I can not advise anyone to go for.

Not your key not your coin.

Nothing is safe, this process mostly involves centralized services where you have to trust the service not only for credibility, but also for protection from hacking. There are even similar business applications through smartcontract protocols and typical tokens, but that doesn't mean there are no risks at all, especially from exploitation.

Moreover, the APY offers of certain coins is not always a % growth in value.

is there any safe ways out there to get 10-15 % ANY return rate ?

as far as banks i noticed maximum 5 %

crypto exchanges upto 15 %   - but are they safe to put money there ? like nexo , kucoin ?