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Stephen | DeFi Dojo

@phtevenstrong

Aug 11, 2025 • 15 tweets • 5 min read • Read on X

Scrolly

At some point, you just need 8-15% no leverage, no fees to enter, no fees to exit, and consistency.

Beat T-Bills, beat REITs, beat high-yield savings, and sleep well.

This thread is for that.

🌱Best non-leveraged stablecoin yields🌱

🧵👇

1) @summerfinance_

I love lend aggregators. I've written threads and done videos on this.

SummerFi is one of the best.

► 8-11% base APR in USDC
► +10-20% $SUMR APR (est sept/oct)

Enter or Exit whenever you want.

Get higher SUMR yield w/ this link:
summer.fi/earn?referralC…

2) @infiniFi_

My largest stablecoin positions are in infinifi.

It's effectively a @pendle_fi PT ETF with full liquidity on siUSD or you can choose when to exit with liUSDs.

► 9.3% on liquid siUSD
► 13-16% on liUSD (1-8 wk)
► Points

Exit into USDC 1:1 😤

3) @reservoir_xyz

► 8.25% APY
► Redeem into USDC 1:1 whenever
► No fee to redeem wsrUSD
► S2 Points

If you want to get a little cute, check out Morpho on Plume...

4) @ResolvLabs

Best way to get basis trade exposure.

► 6.5% 7d Senior Tranche wsrUSR Yield
► 10.7 7d Junior Tranche RLP Yield

Both of these will be higher next week.

The fact that wstUSR has >6% yield and a $230M loss buffer is insane to me.

5) @gauntlet_xyz

Gauntlet is the king of curation. Their vault on @base is the best way to get exposure to their expertise.

Like I said, I love lend aggregation.

8.5% 7d APY, exciting updates coming soon.

6) @pendle_fi

Obviously, you can just use pendle.

➤ Tens of millions in liquidity
➤ 8-16% FIXED rate APRs
➤ Billions in protocol TVL

Pendle is the definition of sleep adjusted returns.

7) @yield

I've been checking out Yo since they've hit 75M in TVL and I actually like their mechanism a lot.

They have an independent risk-assessment system from Exponential, which then runs yields through their grading algo to adjust the weighting of their yields.

10.5% APY

8) @0xHyperBeat

Hyperbeat USDT

⇒ 15% 30d moving average.
⇒ Hearts.

hyperliquid

9) @MidasRWA

@EdgeCapitalMgmt and @MEVCapital run strategy vaults that are currently averaging 17% APY.

You can now exit these over a two-day period WITH NO EXIT FEES.

Granted, if you wanted to exit immediately with no fees, you can if you're a member of the DeFi Dojo.

10) Lending on @plumenetwork on @MorphoLabs

Highly incentivized via @merkl_xyz, you can mint and redeem pUSD 1:1 with USDC.

14.75% APY.

11) Lending on @GearboxProtocol

► 20% USDC to lend on the Invariant Group market
► Incentives in GEAR and USDf

12) Last but not least, @syrupfi

► 6.8% for no lockup
► 9-11% for 6mo lockup

These positions have also been a great way to get exposure to $SYRUP which has done great this cycle.

You can always exit locked positions through @CoWSwap.

13) @StreamDefi

Let the experts farm for you.

► 13.29% APY,
► ~24hr redeem period

Mint / Redeem with USDC

We'll leave it there.

Most of your stablecoins SHOULD NOT BE LEVERAGED. This allows you to enter and exit other positions rapidly when you need to.

Why not get 8-15% on those liquid stables.

Ambassadors Mentioned:
► Gearbox
► SummerFi
► Infinifi
► Pendle
► Reservoir

• • •

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More from @phtevenstrong

Stephen | DeFi Dojo

@phtevenstrong

Jan 28

I've been on my precious metals grind for the past few months and have been neglecting my roots.

No longer.

🚨THE STABLECOIN AWARDS JAN 2026🚨

I'm awarding strategies for highest yield, risk adjustedness, anticipated airdrop, & other yieldy categories.

See the winners🧵👇

🏆HIGHEST BASE YIELD

Now remember, high yield means HIGH RISK.

🥇 @OuroborosCap8 yzPP: 59% APY (Junior Tranche)
🥈 @OstiumLabs OLP: 53.6% (Counter Party Vault)
🥉 @avantprotocol avUSDx: 21% (Junior Tranche)

What is particularly interesting is how risk premium is being allocated.

Avant gives 10% risk premium to its junior, Yuzu gives 15%.

Ostium also gives additional fee compensation when <100% CR.

🏆MOST RISK ADJUSTED STRATEGIES

🥇 @aave 🤝 @ethena_labs "Aavethena" (10-18%)
🥈 @dolomite USD1 lending (10%)
🥉 @upshift_fi earnAUSD on @monad (11%)

Note: While I really like earnAUSD because @withAUSD makes a great stable, the vault is now participating in a wide variety of strategies and does take on substantially more risk than simply holding or lending AUSD.

Read 7 tweets

Stephen | DeFi Dojo

@phtevenstrong

Jan 12

Anyone remember when you could get over 30% fixed rate APR on ETH because of the LRT points craze?

Good times. Now the yields are harder to farm, but they're still out there.

Let's take a look at the current best ETH yields out there.

🧵👇

1) @summerfinance_: 8-20% APR

$SUMR will be live within the next three weeks. That means these additionaladditionaladditional incentive APRs are much more tangible now than ever before.

➢ 20% Net on Base
➢ 21% Net on ETH

Now, I have the FDV assumption for SUMR set at 150M, but even at 50M, that would be 8% net for ETH, which is fairly decent.

2) @GearboxProtocol: 19% APR

NOW, it's important to note here that ETH+ (@reserveprotocol) is incentivizing this at the moment, which makes it so positive.

AND that the incentives officially end on the 16th.

BUT I know there is a big push to get these incentives extended, which is what I would use to justify jumping into this if I did.

In short, this is leveraged ETH+ which is basically an index of staked ETH, leveraged on GB >10x.

Read 9 tweets

Stephen | DeFi Dojo

@phtevenstrong

Nov 26, 2025

For those wondering, here are some of the best @monad yields to farm while they run incentives:

Almost all of the yields are on @merkl_xyz but a few aren't -- and even the ones that are need a bit of context.

🧵👇

The first thing to realize is that the Monad campaign is much smaller than, say, @Plasma, though also substantially less farmed than Plasma.

It's also larger than @arbitrum DRIP (another solid campaign).

There's $65K going to $123M TVL daily on Monad
That's 19% average APR for the whole chain's TVL

There's $235K going to $4.8b daily on Plasma
That's 1.79% average APR for the whole chain's TVL

Monad is theoretically much better in that sense.

First, stablecoin plays.

There are a couple noteworthy, all having to do with @withAUSD.

1) Depositing into @upshift_fi's earnAUSD: 21% APR
2) LPing AUSD/earnAUSD on Uni V4: 50% APR
3) Various Lending on Morpho: 7-10% APR
4) AUSD/UST0 Uni V4: 21%
5) AUSD/USDC/USDT0 Curve: 13%

Note: don't trust Merkl to be up to date with actual TVL numers. The AUSD/earnAUSD says it's 150K TVL but it's really $750K TVL, so instead of 340% APR, you're getting ~70%.

Read 8 tweets

Stephen | DeFi Dojo

@phtevenstrong

Oct 17, 2025

https://x.com/phtevenstrong/status/1978844261794631697

Can't stop, won't stop.

🚨TOP FIVE 20%+ APY STABLE FARMS🚨

CBB has some size, so I'll try to find some good ones.

🧵👇

https://x.com/phtevenstrong/status/1978844261794631697

1) @reservoir_xyz wsrUSD/USDC loop on @MorphoLabs

► 8.25% APY collateral yield
► 6.81% APY borrow cost
► 17.64M to borrow

= 21.21% Net (+ s2 points)

2) @maplefinance on @arbitrum (DRIP farming)

► 6.73% APY collateral yield
► 5.2% APY borrow cost
► 18.57M to borrow

= 20.5% Net (+ drips)

Read 7 tweets

Stephen | DeFi Dojo

@phtevenstrong

Oct 16, 2025

Crypto is out, Gold is in🪙

🚨BEST GOLD YIELD GUIDE EVER MADE🚨

I'm only half-joking. But definitely bookmark.

🧵👇

Gold is difficult to get a native yield on. Virtually all gold yields involve collateralizing a gold derivative and farming against borrowed stables.

That said, you can deposit smart XAUT/PAXG collateral on @0xfluid for ~4.5%

Next, we'll look at where to borrow against Gold...

1) @MorphoLabs

I love morpho and am currently using it for my own gold farming.

Pros:
⇒ Highest LLTV at 77%
⇒ 5% borrow cost
⇒ Only large EVM market with both PAXG and XAUT

Cons:
➢ Thin liquidity compared to Aave
➢ Isolated margin (could be a pro?)

Read 8 tweets

Stephen | DeFi Dojo

@phtevenstrong

Oct 13, 2025

Comparing Lend Aggregators

Lend aggregators are one of my favorite yield sources specifically because they allow a user to:
⇒ get yields with no IL
⇒ remain fully liquid
⇒ remain unleveraged

..and sometimes farm points

SO, let's look at the best out there and compare
🧵👇

1) @summerfinance_

SummerFi "Lower Risk" vaults do lend aggregation, tapping into an AI-driven optimization mechanism, currently the beneficiary of @arbitrum's DRIP campaign.

APR: 11.7% + $SUMR

For more $SUMR:
summer.fi/earn?referralC…

2) @Almanak__

Almanak is another soon-to-be AI-driven yield aggregator which is currently operating as a lend-agg.

It's primarily exposed to Morpho and Fluid at the moment, and because of its S1 points, has an IY of 24% on @pendle_fi.

Organic APR: 10.26%

Read 12 tweets

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