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Is this yield too good to be true?

Pick a pool. We run nine checks on its rate, size, deposits and protocol, and say why each one passed or not. A check we can't run says so instead of passing.

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Estimate, not advice. These checks look for patterns that often come before a rate falls or a pool goes wrong. Passing them does not make a pool safe, and failing one does not make it a scam. They only read the numbers we collect.

How each check works

A pool is flagged when one check is red or two are amber.

Amber and red thresholds for each check
CheckAmberRed
Rate vs its own average1.5x its 30-day average3x
Rate vs similar pools2x the median for the same asset3x
Pool sizeunder $5Munder $1M
Deposits leavingdown 15% in 7 days, or 30% in 30 daysdown 30% in 7 days
Where the yield comes from50% paid in reward tokens80%
Rate swingsspread over 50% of its averageover 100% of it
Fixed-rate termmatures within 14 daysnever red
Protocol track recordunder a year liveunaudited, or under 6 months
How long we have tracked itunder 14 daysnever red

Data: each protocol's own API and mydefilife's research, read daily. Kamino, Morpho and Pendle readings before 10 Oct 2026 come from each protocol's published history. Rows that fail our sanity filter are left out, and so are pools paying under 0.1% and looped yields.

Assumptions: How these numbers are worked out
  • Today's rate and pool size are the latest numbers in our feed. Earlier days come from our daily snapshots of the last 30 days.
  • Similar pools means the median rate of the pools on the same asset when at least 3 share it, otherwise of all stablecoin pools. Looped yields are not part of it.
  • Audit and launch dates are a short hand-kept list (Aave, Morpho, Kamino and Pendle). Any other protocol shows as no data. We don't hold protocol-wide deposit totals.
  • A check we can't run says so. It never counts as passed.
  • Rates are variable and can change any day. These checks describe the past, not what comes next.

Estimate, not advice. Based on current and recent pool data. Not investment advice.