gotta get that juicy 50 cents interest.

I am super jealous!

Still learning but I feel like the APY doesn't reflect the amount of risk taken (as in we're being rewarded more than what the risk reflects).

For sure. It can't last this way, but it is also in the growing phases and there is a lot of "free money" floating around as the crypto space has pumped into the bull market. If they build business models on top of these (for example insurance companies) they will become far more valuable.

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