The promise of a high passive return can be attractive, but in the world of cryptos, it is necessary to redouble their prudence. Today, I share with you my personal checklist: 5 essential points to check before investing.
Noticed : I list here 5 points, but there are others. If you don't have time and don't want to annoy yourself, do not hesitate to join the Club 25 %. This article contains affiliation links allowing you to support the daily work of the teams in the local newspaper.
1. Real source of yield: Understanding the engine under the hood
The first question to ask: Where does the money really come from?
Is it a solid business like market making or arbitration, or simply a temporary subsidy intended to attract users? For example, the yield on AAVE comes directly from the loans and loans activity – it is a return from a real commercial activity. Same logic for hyperliquid: they pour interests into USDC, from their economic model.
2. Collateral: concrete or cardboard?
Collateral is the base of your safety: this is what you engage to access the yield. And this point is crucial, because if the collateral collapses, it is all of your capital that can go up in smoke. Advice n ° 1: Always favor robust stablecoins, such as USDC or USDT. Advice n ° 2: Beware of «new stables miracles» with opaque mechanisms, capable of collapsing overnight. Simple analogy: USDC is a armored safe in a Swiss bank. A stablecoin not audited is a plastic piggy bank on the edge of an open window from an apartment.
Read also: [à compléter]
3. Blocking duration and flexibility: Easily get out or prisoner from funds?
Certain strategies involve a temporary blockage of your capital – this is not necessarily a problem, provided you know in advance. There are two points to check: the initial capital: can you remove it at any time, or is it locked for a given period? Are the awards: are they immediately available, or released gradually over several months?
4. Penalties on anticipated withdrawals: expensive freedom?
In some cases, there is no blockage of capital, or rewards, but a penalty in the event of early exit. The approach is more flexible: you remain free and liquid, but if you leave too early, you touch less than expected. Remember to explicitly check this condition.
5. Nature of the awards: Useful tokens or Shitcoins to liquidate?
Finally, analyze the nature of the awards obtained: is it a solid crypto (USDC, ETH) easily convertible without enormous costs? Or should you regularly sell a cryptocurrency of hell, often expensive in fresh and delicate to liquidate without loss? With this checklist, you limit the risks and you are better armed to take full advantage of the potential of high -performance cryptos opportunities. If you want to go further, I show you on video how I applies these criteria to my personal wallet concretely (as if you were next to me), go directly here → [à compléter]