What is the difference between APY and APR in crypto?

APR (Annual Percentage Rate) is the simple interest rate over a year without compounding. APY (Annual Percentage Yield) includes compound interest — meaning you earn interest on your interest. For example, 10% APR compounded daily produces roughly 10.52% APY. The more frequently interest compounds, the larger the gap between APR and APY. Most DeFi protocols advertise APY because it reflects the actual return you earn when rewards auto-compound.

Is crypto APY guaranteed?

No. Unlike a traditional savings account where the bank guarantees a fixed rate, crypto APY is variable and can change every block. DeFi yields depend on supply and demand: when more capital enters a lending pool, rates drop because borrowers have more liquidity to choose from. When demand for borrowing rises, rates increase. Protocol token incentives can also inflate APY temporarily and decline over time. Always check whether an advertised rate is current or historical.

How is APY calculated in DeFi?

The standard formula is APY = (1 + r/n)^n − 1, where r is the periodic interest rate and n is the number of compounding periods per year. In DeFi, compounding can happen every block (roughly every 12 seconds on Ethereum), daily, or manually. Some protocols auto-compound rewards for you, while others require you to claim and restake. Tools like yield aggregators (Yearn, Beefy) handle auto-compounding to maximize your effective APY.

What is a realistic crypto APY in 2026?

Sustainable stablecoin yields in 2026 typically range from 3% to 8% APY on established platforms. These rates come from real economic activity: lending demand, liquidity provision fees, and protocol revenue sharing. Any rate significantly above 15-20% on stablecoins should be scrutinized carefully — it likely involves higher risk, temporary incentives, or unsustainable tokenomics. Blue-chip DeFi lending on Aave or Morpho currently offers 3-6% on USDC and USDT.

Can I lose money even with a positive APY?

Yes. A positive APY means your token balance grows, but if the token price drops faster than your yield accrues, your position loses value in dollar terms. For stablecoins pegged to $1, this risk is minimal. For volatile assets, a 50% APY means nothing if the token drops 70%. Smart contract exploits, oracle failures, and liquidation events can also cause losses regardless of the stated APY. Always assess the total risk, not just the headline rate.

Where can I earn the best APY on stablecoins?

The best stablecoin APY depends on your risk tolerance. Blue-chip lending protocols like Aave and Morpho offer 3-6% APY with battle-tested security. Yield aggregators like Beefy optimize rates across protocols. Platforms like Coinstancy simplify the process with 7% APY on USDC, daily compounding, no lock-up, and instant withdrawals.

Kāinga Akademia Ngā Ārahi He aha te APY i roto i te Crypto?

Mātāpono DeFi

He aha APY i te Crypto?

Ko te Poutū ā-Rau o te Tau (APY) te tauira nui rawa atu mō te whakataurite i ngā whiwhinga crypto. Mārama ki te āhua o te APY, he aha te rerekētanga i te APR, me te āta tātari i ngā hua DeFi kia kaua e riro i ngā taupānga hē.

Tīmata te Pānui Kaipūtaiao APY

12 meneti pānui I whakahoutia Māe 2026 DeFi

I tēnei Ārahi

01 He aha te APY? 02 APY ki APR 03 Me pēhea te APY e mahi ana i te DeFi 04 Kaipūtaiao APY & Tauira 05 Nō hea te APY e puta mai ana? 06 Tauwhāinga tūturu i te 2026 07 Mōrearea & Tohu Whero 08 Te whakakaha i tō APY 09 FAQ

Wāhanga 1

He aha te APY?

APY (Kōeke ā-rau o te tau) he reiti tūturu o te hua e whiwhi ana koe i runga i te tāpukapuka i roto i te tau kotahi, e tango pānga tuitui ki te kaute. Kaore i te pānga māmā, ka whakauru te APY i te pānga o te whiwhi pānga i runga i ō pānga kua whiwhi i mua, e hoatu ana i tētahi whakaahua tika ake o ō whiwhinga tūturu.

I te ao pūtea tuku iho, e hiahiatia ana e ngā pēke kia whakaatu i te APY i runga i ngā pūkete penapena kia taea e ngā kiritaki te whakataurite i ngā reiti i runga i te papamuri ōrite. I te ao crypto me DeFi, ka mahi te APY i te kaupapa kotahi: ka āhei koe ki te whakataurite i ngā hua puta noa i ngā tikanga rerekē, ngā pūkete, me ngā rautaki mā te whakamahi i tētahi tau kotahi kua whakaritea.

Hei tauira, mēnā ka tāpui koe $10,000 ki tētahi kaupapa kārihi DeFi e tuku ana 5% APY, ka whiwhi koe tata ki $500 i roto i tētahi tau, me te whakapae ka noho pū tonu te reiti, ā, ka whakakotahi aunoa ngā utu. Ko te kupu matua ko "tata" — ka rerekē tonu ngā reiti DeFi i runga i ngā āhuatanga o te mākete.

Pūtea Whakauru

Ka whakaurua e te APY te pānga o te whakakotahi — te whiwhi pūtea i runga i te pūtea. Ka nui ake te wā ka whakakotahia, ka nui ake tō hua whaihua.

Whakatauranga Whakaritea

Ka whakakotahi te APY i ngā hua i ngā rerekētanga o te huringa, ā, ka māmā te whakataurite i te 5% huringa ia rā ki te 6% ia marama.

Rerekētanga i te DeFi

Kēkē i ngā reiti pēke, ka huri te APY o te DeFi i ia poraka i runga i te whakaratonga me te hiahia. Ka rerekē pea te reiti e kite ana koe i tēnei rā i a muri ake nei.

Wāhanga 2

APY ki APR: He aha te rerekētanga?

Ko te rerekētanga i waenga i te APY me te APR tētahi o ngā ariā i tino hē te mārama i roto i te ao crypto. Ka whakaatu te rua i ngā hua ā-tau, engari ka rerekē te kaute mō te whakakotahi, ā, ka taea te hua rerekē nui i runga i te investimēte kotahi.

APR (Reiti Percenti ā-Tau) he reiti pānga māmā, kotahi i te roanga o te tau. Mēnā ka whiwhi koe i te 10% APR i runga i te $1,000, ka whiwhi koe i te $100 i muri i te tau kotahi, kāore he wā. Kāore he whakahoki haumi i te pānga kua whiwhi. He maha ngā tikanga DeFi e whakaatu APR ina me tonoa ngā utu ā-ringa, ā, ka whakanoho anō.

APY (Mokowā Āhua Tau) e whai wāhi ki te whakakotahi. Mēnā ka whiwhi koe i te 10% APR engari ka whakakotahi te pānga i ia rā, ko tō APY whaihua tata ki te 10.52%. Ka rerekē te rerekētanga i ngā reiti teitei: 100% APR kua whakakotahi i ia rā e 171.5% APY.

Āhuatanga	APR	APY
Ingoa Katoa	Mokowā Āhua Tau	Mokowā Whaihua Tau
Whakakotahi	Kāore i whakaurua	Kua whakaurua
Reiti 10%, whakakotahi ia rā	$1,000 → $1,100	$1,000 → $1,105.16
Reiti 50%, whakakotahi ia rā	$1,000 → $1,500	$1,000 → $1,648.66
I te wā e whakamahia ana i DeFi	Tono ā-ringa & whakahoki	Pūrua whakakotahi aunoa
Kei tēhea te mea nui ake?	He iti tonu	He nui tonu (ranei ōrite)

Tohutohu pro: Ētahi tikanga DeFi ka pānui i te APR kia iti ake ā rātou utu, ā, kia "mārahi," ko ētahi atu ka whakaatu i te APY kia nui ake ā rātou utu, ā, kia ātaahua. Me mātua tirotiro i te tauira e whakaaturia ana i mua i te whakataurite i ngā papamahi. I runga i a Coinstancy, ka whakaaturia ngā utu katoa hei APY kia mōhio tika koe ki te mea e tūmanako ana.

Kei te hiahia koe ki te kite i te APY i te mahi?

Ka tuku a Coinstancy i te 7% APY i runga i te USDC. He whakakotahi ia rā, kāore he ārai, he tango tere.

Whakamātauria a Coinstancy Kore utu

Wāhanga 3

Me pēhea te APY e mahi ana i te DeFi

I te pūtea tuku iho, he māmā te APY: ka tautuhi te pēke i tētahi reiti, ā, ka whiwhi koe i taua reiti i runga i tō tāpuitanga. I te DeFi, he rerekē tino ngā tikanga nā te mea ka whakaputa ngā hua i runga i ngā pūnaha rorohiko e ngā kirimana atamai, kāore i te tautuhi e tētahi mana pūmau.

Ka whakatere te Whakapūtea & te Pānga i ngā Reiti

I ngā tikanga kāri pērā Morpho rānei Aave, ka whakatauritea te APY e te reiti whakamahinga o ia pūnaha kāri. Ka nui te hiahia muku i te wā e whārite ana ki te whakakāhore i te tuku, ka pikinga ngā reiti pānga hei kukume i ētahi atu kaiwhakarato. Ka nui ake te tuku i te hiahia, ka heke ngā reiti. Ka tū tēnei aunoa mā ngā tauira pāngarau e kīia ana ko ngā āhua reiti pānga.

Hei tauira, mēnā he pūreke Aave USDC kei reira $100M kua tāpui, ā, $80M kua nama (80% te whakamahinga), ka nui ake te APY tuku i tētahi pūreke e 30% anake te whakamahinga. Koinei te take e rerekē ai ngā utu i waenganui i ngā tikanga, ngā aho, me ngā pūreke rerekē mō te tohu kotahi.

He mea nui te auau o te whakakotahi

I te DeFi, ka piki te painga i ia poraka (taea i ia hēkona 12 i runga i te Ethereum). Heoi, tono me te whakatōpū anō he utu hinu mō te painga. Ka hua he whakakotahitanga: ka whiwhi moni nui ake mā te whakakotahi i ngā wā maha, engari he utu hinu ia whakawhitinga whakakotahi.

Ngā kaihui hua mārahi pērā i Beefy Finance ka whakatauira i tēnei mā te kohikohi i ngā tāke a ngā kaiwhakamahi me te whakakotahi aunoa mō ngā kaiwhiwhi katoa, ka hora i te utu hinu ki ngā kaiwhakamahi maha. Koinei te take e taea ai te reiti nama taketake ōrite i Aave te whakaputa i tētahi APY whaihua tiketike ina whiwhi mā te pouaka whakakotahi aunoa.

Rārangi Papa Whakamāia

Ngā tikanga DeFi maha ka tāpiri i ngā whakaaetanga tohu ki runga i te hua pūtea/LP taketake. Hei tauira, ko te tāpui i te USDC ki Aave ka taea te whiwhi 3% APY taketake i te pānga nama, me tētahi 1.5% anō i ngā utu tohu AAVE. Ko te "APY whakaaetanga" katoa he 4.5%, engari ko te wāhanga utu token's e pā ana ki te huringa utu o te tohu.

I te arotake i ngā hua, me wehe tonu te hua taketake (pūmau, nō te mahi ōhanga tūturu) i te hua whakatenatā (wā poto, e whakawhirinaki ana ki te utu tohu me ngā rārangi tuku). He pono ngā hua taketake; ka ngaro ngā hua whakatenatā i te roanga o te wā.

Wāhanga 4

Kaere Tātaitanga APY & Tauira Tūturu

Ko te tātauira ki te huri APR ki APY ko: APY = (1 + r/n)ⁿ - 1, i te wā r he reiti pānga ā-tau (hei tauwā) me n he tau o ngā wā whakakotahi i te tau.

Tauira 1: Moni Pūmaure Tiaki

Pae:$10,000 USDC

APR Taketake:4.8%

Whakawhitinga:Ia rā

APY Whaihua:4.92%

Whiwhinga 1-Tau:$492

Tauira 2: Pouaka Whiwhinga Whakarite

Pae:$10,000 USDC

APR Taketake:6.5% (me ngā whakatenatena)

Whakawhitinga:Ia 8 haora (ma te kaiwhakarato)

APY Whaihua:6.72%

Whiwhinga 1-Tau:$672

Te painga o te whakawhitinga i te roanga o te wā: $10,000 i te 5% APR mō ngā tau 5 = $12,500. Te ōrite o te reiti i te 5.13% APY (whakawhitinga ia rā) mō ngā tau 5 = $12,840. Ko $340 tēnā i te whakawhitinga anake. I ngā reiti tiketike me ngā wā roa ake, ka nui te rerekētanga.

Wāhanga 5

Nō hea te APY Crypto e puta mai?

Mārongo kei hea ka puta te hua ko te mea nui rawa e taea e koe te mahi hei kaihoko crypto. Ka puta ngā hua toitū i te mahi ōhanga tūturu. Ka puta ngā hua kāore i te toitū i te pikinga utu me ngā tukunga tohu. Anei ngā puna matua:

Pānga Kāri

Ka utu ngā kaiwhakarato i te pānga ki ngā kaiwhakawhiwhi. He puna hua tino taketake, mau tonu i te DeFi. Ngā tikanga pērā i te Aave, Compound, me Morpho ka whakatinana i tēnei. Ka puta te hua i te hiahia tūturu: ngā kaihokohoko e whiwhi ana ki te whakakaha, ngā tikanga e whiwhi ana mō ngā mahi, me ngā kaiwhakamahi e whiwhi ana ki te whakakapi i te taura pūtea.

Utu Hokohoko

Kaituku liki i runga DEXs pērā i Uniswap, Balancer, ā, ka whiwhi a Curve i tētahi wāhanga o ngā utu tauhokohoko. Ka whakaputa ia whakawhiti utu (i te nuinga 0.01% ki te 1%) e tohua ana ki ngā LP i runga i te ōrite. Ka taea e ngā pūreke rahi te whakaputa hua kaha, e taea te mau.

Ngā utu whakatū

Ko ngā pūnaha pūkete Proof-of-Stake pērā i Ethereum e utu ana i ngā kaiwhakamana mō te tiaki i te whatunga. Kei te whiwhi te whakatā ETH i te tata ki te 3-4% APY i tēnei wā. Ko tēnei hua i te taumata kaupapa here, ā, ka puta i te tuku ETH hou me ngā utu kōwhiringa whakawhitinga. He mea mau tēnei i te roa ka whakahaere te whatunga.

Ngā Whakamāramatanga Token (Aro)

He maha ngā tikanga e tohatohanga ana i tō rātou token taketake hei kukume i te pūtea. Ka taea e tēnei te whakapiki i te APY nui, engari he whakawhāiti: ka utua koe i ngā token e taea ana te ngaro uara i a rātou e nui ake ana. Ka heke haere ēnei whakaaetanga i te roanga o te wā i te whakaiti o ngā mahere tukunga. Me whakaiti tonu i te APY whakaaetanga mā te mōrearea o te utu o te token.

Wāhanga 6

Ngā Reiti APY Crypto Tūturu i te 2026

I muri i ngā hua kāore e taea te mau o te tau 2020‑2021 (i reira 1,000%+ APY he mea noa), kua pakeke nui te mākete DeFi. Anei ngā tūmanako hua tūturu i ngā rautaki rerekē me ngā taumata mōrearea:

Rautaki	APY tipitipi	Taumata mōrearea	Puna hua
Utu nama pūmau (Aave, Morpho)	3-6%	Rāweke	Pēke kaiwhakauru
ETH Whakapae (Lido, Rocketpool)	3-4%	Rāweke	Whakau whakamana whatunga
LP pūmau (Curve, Balancer)	4-10%	Waenga	Utu hokohoko + whakatenatena
Kōhui hua (Beefy, Yearn)	5-12%	Waenga	Whakakotahi kua whakapai
LP tātau huringa (ETH/USDC)	8-25%	Teitei	Utu + mōrearea ngaro kāore i te mau
Rautaki whakakaha	15-50%+	Teitei rawa	Hua taketake kua whakapiki + mōrearea whakakorea

Whiwhi 7% APY i runga i te USDC

Whakawhāiti i ia rā, kāore he here, tango tere. Tīmata i $100.

Tīmata Whiwhi Moni Ināianei

Wāhanga 7

Mōrearea APY & Ngā Tohu Tūpato

Kāore katoa ngā APY i hangaia ōrite. Ka taea e tētahi tau nui te huna mōrearea nui. Anei ngā āhuatanga nui hei arotake i mua i te tāpui ki tētahi tūranga whai hua:

Ngā Whakaputa Tōkena kāore e toitū

Mēnā ka 90% o te APY ka puta i tētahi tohu kaupapa here me te whaihua iti, ka hinga te hua i te wā e heke ana ngā whakaputa, ā, ka heke te utu o te tohu. Me mātua tirotiro i te ōrau o te APY i puta mai i te mahi ōhanga taketake me ngā whakatenatena.

Mōrearea Kirimana Atamai

He mōrearea kei ia kaupapa here DeFi mō te pakaru o te kirimana atamai. He nui ake te APY, he tohu i te waehere hou, kāore i tino arotake. Me mau ki ngā kaupapa here kua arotake e ngā kamupene rongonui, ā, kua whai TVL nui kua whakamātauhia i te roanga o te wā.

Ngaro Wā Poto

Ka pāngia ngā tūnga LP i ngā tātua hihiri ngaro kāore i te mau mēnā ka rerekē ngā utu rawa. Ka taea te 20% APY te ngaro katoa mēnā ka neke te tohu kotahi 50% ki te tētahi atu. Ka karo ngā tātua anake-stablecoin i tēnei mōrearea tata ki te katoa.

Kati-tuku & Ngā Hēke Tuku

He wāhi APY-nui ētahi me kīia ngā pūtea mō ngā wiki, marama rānei. Mēnā ka panonitanga ngā āhuatanga mākete, kāore e taea te wehenga tere. Me mārama tonu ki ngā tikanga tuku i mua i te tāpui. Ka whakamahi a Coinstancy i ngā pūrearea kāore i te kati me te tuku wawe.

Te Ture Koura

Mēnā kāore e taea e koe te tautuhi i te wāhi i puta ai te hua, koe ko koe te hua. He APY kei runga i te 20% i runga i ngā moni pūmau kāore he pūtake mārama, ka taea te arotake mō te huringa ōhanga (pēhea o te tono kāri, utu hokohoko) he tohu māwā. Ko te hinga o Celsius, Anchor Protocol (20% i runga i te UST), me FTX Earn i whai i tēnei tauira.

Wāhanga 8

Me pēhea te whakapiki i tō APY crypto kia haumaru

He rautaki tika hei whakapiki i tō hua whaihua me te kore e tango mōrearea kāore e hiahiatia ana. Anei ngā huarahi e rima kua whakamana:

Use Auto-Compounding Vaults

Instead of manually claiming and restaking rewards (which costs gas), use platforms that auto-compound for you. The difference between manual weekly compounding and auto-compounding every few hours can add 0.5-2% to your effective APY. Beefy Finance and Yearn are popular options.

Diversify Across Protocols

Kaua e whakatakoto i ō stablecoins katoa ki tētahi pūkete kotahi. Whakarōpū ki ngā tikanga 2-3 kua whakatūria hei whakaiti i te mōrearea o ngā kirimana atamai i te wā e tiaki ana i ngā hua whakataetae. Mēnā ka whakaaetia tētahi tikanga, ka ngaro noa koe i tētahi wāhanga o tō tūranga.

Whakataurite i ngā aho

Ka rerekē te reiti nama USDC kotahi i te nui i waenga i Ethereum, Arbitrum, Base, me ētahi atu aho. He nui ake ngā reiti o ngā L2 nā te iti o te TVL me ngā kaupapa tautoko kaha. Whakamahia ngā kohinga pērā i te DeFi Llama hei whakataurite i ngā reiti i ngā aho katoa i te wā tūturu.

Aroturuki Ngā Panonitanga o te Reiti

Ka panonitia ngā reiti DeFi i te wā katoa. Whakaritea ngā whakamōhiotanga, ā, whakamahia he papatono pērā i a Coinstancy e whakawhiti aunoa i ō tāke ki ngā pūkete tino pai. Ka taea te aroturuki ā-māui te utu i a koe 1-3% APY i te whakataurite ki te whakahaere tūwhera.

Whakamahia Papatono Whakarāpopoto Hua

Ka whakakotahi ngā papatono pērā i a Coinstancy i ngā rautaki maha — te whakakotahi aunoa, te whakapai ake i ngā tikanga whakawhiti, me te whakahou i te huringa hinu whaihua — ki tētahi tāke kotahi. Ka whiwhi koe i tētahi APY whakataetae me te kore e whakahaere i ngā tūnga DeFi maha, ngā whakaaetanga, me ngā utu hinu i a koe anō.

Wāhanga 9

Ngā Pātai Auau

He aha te rerekētanga i waenga i te APY me te APR i roto i te crypto?

APR (Annual Percentage Rate) he reiti pānga māmā i te tau kotahi kāore he whakakotahi. APY (Annual Percentage Yield) ka whakauru i te reiti whakakotahi — arā, ka whiwhi koe i te reiti i runga i tō reiti. Hei tauira, ko te 10% APR ka whakakotahia ia rā ka puta tata ki te 10.52% APY. Ka nui ake te auau o te whakakotahitanga o te reiti, ka nui ake te rerekētanga i waenga i te APR me te APY. Ko te nuinga o ngā tikanga DeFi e pānuitia ana te APY nā te mea e whakaatu ana i te whakahoki tūturu ka whiwhi koe i te wā ka aunoa te whakakotahi o ngā utu.

Kei te whakamanahia te APY crypto?

Kaore. Kaore i te rite ki tētahi pūkete penapena tuku iho e tiaki ana te pēke i tētahi reiti pūmau, he rerekē te APY crypto, ā, ka taea te huri i ia poraka. Ka whakawhirinaki ngā hua DeFi ki te whāngai me te hiahia: ina uru atu ake te pūtea ki te pūreke nama, ka heke ngā reiti nā te mea he nui ake ngā moni wātea mō ngā kaiwhiwhi. Ina piki te hiahia mō te nama, ka piki ngā reiti. Ka taea hoki e ngā whakatenatena tohu tukanga te whakapiki i te APY mō te wā poto, ā, ka heke i te roanga o te wā. Me mātaki tonu mēnā ko te reiti i pānuitia he reiti o nāianei, he reiti o mua.

Me pēhea te APY e tatauria ana i te DeFi?

Ko te tātauira taunoa ko APY = (1 + r/n)^n − 1, ko r te reiti pānga wā-roto, ā, ko n te maha o ngā wā e whakakotahitia ai te reiti i ia tau. I te DeFi, ka taea te whakakotahi i ia poraka (i te tata ki ia hēkona 12 i runga i te Ethereum), ia rā, rānei mā te ringa. He tikanga ētahi e whakakotahi aunoa i ngā utu mōu, ā, ko ētahi atu e hiahiatia ana kia tonoa, ka whakahoki anō. Ngā taputapu pērā i ngā kaihuatanga hua (Yearn, Beefy) e whakahaere ana i te whakakotahi aunoa kia tino whakapiki i tō APY whaihua.

He aha te APY crypto e tika ana i te tau 2026?

Ngā hua o ngā stablecoin e taea te mau i te tau 2026 e pā ana i te 3% ki te 8% APY i runga i ngā papatono kua whakatūria. Ka puta ēnei reiti i te mahi ōhanga tūturu: te hiahia kāri, ngā utu tuku waiwai, me te tohatoha moni a te kaupapa. Me āta tirotiro i tētahi reiti nui ake i te 15-20% i runga i ngā stablecoin — ka taea te whai mōrearea nui, ngā whakaaetanga poto, rānei ngā tokenomics kāore e taea te mau. Ko te kāri DeFi kounga tiketike i runga i Aave, Morpho i tēnei wā e tuku ana i te 3-6% i USDC me USDT.

Ka taea e au te ngaro moni ahakoa he APY pai?

Āe. Ko te APY tōraro e tohu ana ka tipu te tōke i tō pūkete, engari mēnā ka heke te utu o te tōke tere atu i tō whiwhinga hua, ka ngaro te uara o tō tūranga i ngā kupu tāra. Mō ngā pūkete pūmau e hono ana ki te $1, he iti noa te mōrearea. Mō ngā rawa hihiri, kāore he tikanga te 50% APY mēnā ka heke te tōke 70%. Ka taea hoki e ngā whakaaetanga pūmanawa, ngā hapa o te orāka, me ngā huihuinga whakakāhore te pā ki ngā ngaro ahakoa te APY i whakatakotoria. Me aromatawai tonu te mōrearea katoa, kaua anake i te reiti matua.

Kei hea au ka whiwhi i te APY pai rawa atu i ngā moni pūmau?

Ko te APY pai rawa mō ngā moni pūmau e whakawhirinaki ana ki tōu kaha whakaae mō te mōrea. Ko ngā tikanga kārihi kounga pērā i a Aave me Morpho e tuku ana i te APY 3-6% me te haumaru kua whakamātauhia i ngā pakanga. Ko ngā kaiwhakarite hua pērā i a Beefy e whakapai ake i ngā reiti puta noa i ngā tikanga. Ko ngā papatono pērā i a Coinstancy e māmā ake i te tukanga me te APY 7% i runga i te USDC, te whakakotahi rā i ia rā, kāore he here, me ngā tango tere.

Haere tonu ki te ako

Ināianei kua mārama koe ki te APY, ka ruku hōhonu ki ngā tikanga me ngā rautaki kei muri i ngā hua crypto.

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Papakupu Crypto

Ngā kupu 30+ mō DeFi me te crypto i whakamārama i te reo Ingarihi māmā. Tārua hei tirohanga tere.

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Tīmata ki te whiwhi APY i tō crypto

Ka māmā te whiwhi hua a Coinstancy. Whiwhi 7% APY i runga i te USDC me te whakakotahi o ia rā me ngā tango tere. Kāore he ārai, kāore he whakahaere DeFi uaua.

Tīmata te whiwhi moni i te Coinstancy

Kua rite ki te whakatakoto i tō crypto ki te mahi?

Whiwhi 7% APY i runga i te USDC me te whakakotahi o ia rā, kāore he ārai, me ngā tango tere.

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