The current market situation makes it hard to distinguish between a bull and a bear, and everyone is hesitant to speculate on coins. Putting money into DeFi for yield farming, only to find out that DeFi has also encountered a thunderstorm.

Therefore, this time we won't discuss those flashy strategies promising tens to hundreds of percentage points in returns, nor do we encourage engaging in any fancy maneuvers. The BlockBeats team has selected a few relatively stable options in the current market, with APY around 10%, which have been validated over time on both on-chain and off-chain transaction platforms. These are among the directions you can choose in the current market.

In general comparison, BFUSD on Binance still stands out in terms of overall advantages, including yield, mechanism design, utility expansion, and risk structure, making it more secure compared to similar products.

Binance: BFUSD (11%)

The annualized yield of BFUSD will dynamically fluctuate with funding rates and hedging strategies, averaging around 4%-7% recently, with the current actual annualized yield at approximately 6.34%. Earnings are distributed daily, requiring no additional subscription; holding the asset automatically earns you returns.

Perhaps to commemorate the one-year anniversary of BFUSD's launch, Binance has recently introduced an additional yield event. During the event, an extra 5% bonus can be stacked on top of the base APY.

This means that eligible users can enjoy a comprehensive annualized yield of around 11% within the specified limit.

There are two conditions for participation: holding BFUSD in a futures account or a unified account and maintaining a minimum unrealized contract volume of 1,000 USD in a U or Coin-margined futures account. Binance will take multiple random snapshots of users' unrealized contract volumes each trading day and determine eligibility based on the lowest snapshot value. The event has been extended until December 2nd.

Another attractive aspect is that in the 'cross-collateral' mode, BFUSD can also be directly used as collateral for contracts, enhancing capital efficiency while earning returns.

Each account has a limit of 1 million BFUSD for additional earnings. However, the limits for sub-accounts are calculated independently, so users with significant funds can maximize event returns through multiple accounts and sub-accounts.

After all, it's Binance, relatively high in terms of security, and it's also stablecoin yield farming, currently offering the highest returns among these four options, making it worth paying attention to.

List: slisBNB (10.8%)

It goes without saying the central role Lista DAO plays on the BNB Chain. The Lista DAO has built a relatively complete DeFi ecosystem, with its most core product being the slisBNB staking pool. Currently, the pool's APY is around 10.8%, and the total locked value of the protocol has reached $18.3 billion.

In addition, Lista also offers a borrowing treasury, stablecoin CDP minting, and various liquidity mining pools with yields ranging from 2% to 15%, covering a wide range of risk appetites from conservative to aggressive strategies.

The core slisBNB has a TVL of around $1.2 billion. It maintains a 1:1 redemption relationship with BNB, and the price continues to appreciate as staking rewards accumulate. All slisBNB is fully backed by real BNB staked on validator nodes, using a non-custodial mechanism, which provides relatively high security and transparency. The protocol deducts 5% from staking rewards as treasury income, but this has a minimal impact on users' overall APY.

The basic BNB validator staking reward is approximately between 7% to 8%; after the protocol deduction, Lista further boosts the overall yield through LISTA token incentives, stabilizing the final APY at around 10.8%. All earnings will automatically compound into the price of slisBNB, requiring no manual intervention from users, additional staking, or reward claiming, as holdings will automatically grow.

The operational process is quite simple. Users only need to connect their wallet, deposit BNB, and the system will automatically mint slisBNB and start generating returns. Afterward, no further action is required, as earnings will continue to accumulate and be reflected in the token price.

Jupiter: JupSOL (6.58%)

As the largest DEX aggregator in the Solana ecosystem, Jupiter, with JupSOL, has become one of the most core staking pools on-chain. Currently, the annualized return rate of JupSOL is about 6.58%, with the total locked value of the entire Jupiter-related ecosystem at around $29.1 billion.

In addition to JupSOL staking, Jupiter also features a lending market, perpetual contract liquidity pools (JLP), aggregated trade routing, and supports direct entry into the ecosystem through jup.ag. It also overlays a reward mechanism with the JUP governance token, creating a comprehensive financial network on Solana.

Among all products, JupSOL is the most core and stable. Its revenue mainly comes from SOL validator staking rewards, averaging between 5%–7%, supported by the Sanctum infrastructure, and with no lock-up period, allowing free use in DeFi at any time. JupSOL's earnings will continuously roll over in an auto-compounding manner, re-staking every hour, enabling holders to consistently receive compounded returns. Additionally, a portion of the deposits from Jupiter Perps will be automatically restaked, enhancing the overall pool's revenue structure. Users only need to connect their Solana wallet, swap SOL for JupSOL, and can immediately start accruing rewards. Of course, the prerequisite is that you can stomach a SOL dump.

Furthermore, Jupiter's lending market offers another, more strategic avenue for earning. Assets like USDC, USDT, USDG/USDS, SOL, JUP, as well as major assets such as ETH and WBTC, can participate in deposits or loans, with deposit APY ranging from 4% to 7%, while the borrowing interest rates adjust dynamically with utilization. The platform allows for a higher loan-to-value ratio, for example, stablecoins can reach up to a 95% LTV, suitable for leverage cycling: users can deposit USDC, borrow SOL, then swap SOL back to USDC in a continuous loop to amplify profitability, but risks also proportionally increase. For those preferring stability, JupSOL staking’s current 6.58% APY is a better choice.

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