Excellent point on the lower/more average yield stables, may as well just keep it simple and keep it in HBD savings at a FIXED 12% currently, with no IP and zero fees.
For the higher %s, that is fine as long as people dont mind the higher risk. though. Just stay away from the pools with random shitcoins offering high APY %, as most of those will crash and the APY will often not make up for the loss in price.
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