SPA earn-defi.com
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Personal research project — paper-testing & tuning, not raising capital.
Non-custodial · paper-stage · every number auditable block-by-block

A stablecoin yield desk that proves every number.

Target up to ~20%/yr in our research strategies — paper, always shown with the tail — built on a live desk that already proves 5.0% realized at 0.0% drawdown (accrual, no costs charged). Start with the free 60-second safety snapshot.

Take the 60-second safety snapshot → See the live track →

No wallet connection. No email required. Public data only.

View Strategy Lab →

Powered by SPA Strategy Lab — a public, paper-tested stablecoin yield research system.

Where to park stablecoins — an honest comparison

Bank savings
~0.4%
US T-bills
~3.5%
can't audit on-chain
SPA Conservative
up to ~6% /yr target
5.0% realized to date · auditable · 0.0% drawdown (accrual, no costs charged) · not a guarantee
Aggressive (research)
up to 20% target
paper · tail shown · refused for live
Go-live validation — of 30 evidenced days
Live capital doesn't open until the track clears 30 days + a real vol event. Follow the countdown →
0.0%
realized drawdown
—/30
evidenced days
—
refusals · all published →
Non-custodial
autonomous monitors 24/7

Estimate your yield

What your stablecoins could earn

Amount: $50,000
At our realized rate
~$1,650/yr
5.0% realized · 0.0% drawdown (accrual, no costs charged)
If research targets validate
up to $10,000/yr
research · up-to-20% target · max backtest drawdown ~50%

Illustrative from the real realized number + a research target — not a promise. Past paper results don't guarantee future returns.

Early access

Aggressive targets go live only after they're proven

30 forward days + a real vol event. Join to get the validation report first — no obligation, no yield promise.

Strategies

Three risk profiles, one deterministic policy

APY is paper and variable, not guaranteed. Live data via api.earn-defi.com.

Net APY — validated backtest · advisory · not realized capital

Conservative

Paper-tracked · evidenced
up to 6% net APY
paper · variable · not guaranteed
  • Risk bandLow
  • Max drawdown0.0%
  • Tier mixT1

The real book the desk runs today — a live paper track since June 22, 2026, 5.0% realized so far. Tier 1 pools only.

View strategy details →

Balanced

Research / paper
up to 12% net APY
research/paper · tail shown · not in go-live track
  • Risk bandBalanced
  • Max drawdown~4.5% (bt)
  • Tier mixT1 + T2

Balanced Tier 1 + Tier 2 blend.

View strategy details →

Aggressive

Paper-tested · refused for live
up to 20% net APY
paper-tested in Aggressive Lab · refused for live capital
  • Risk bandHigher
  • Max drawdown~50% (bt)
  • Tier mixT1 + T2

Advisory research — paper-tested in the Aggressive Lab, never live-allocated. The tail is shown honestly, not hidden.

View strategy details →
Transparency

Public track record, not yield marketing.

Every strategy update is logged. Every rule check is visible. Paper testing comes before real capital.

Evidenced days
89
Current APY
~5.0%
Max drawdown
-0.04%
Go-live progress
29/29
Equity curve as of 2026-09-20 snapshot
Virtual $100,000 USDC portfolio · only cycle-logged days count (we reset the track) · ledger at /track-record
Methodology

How the system protects discipline

01

Scans the market

Tracks APY, TVL, liquidity, protocol risk, concentration, and stablecoin exposure.

02

Applies strict rules

Strategies follow predefined risk policies instead of emotional decisions or black-box AI calls.

03

Logs every change

Every major rebalance, rejected opportunity, and risk event is recorded for review.

Research

A public strategy lab

SPA Strategy Lab is a public research system where we paper-test stablecoin yield strategies before risking real capital.

The SPA Strategy Lab shows how different risk profiles can be structured and tracked over time — every update logged, every rule check visible.

Trust by design

Built so you never have to trust us blindly

No deposits

We never ask you to deposit funds or connect a wallet for signing.

No wallet address needed

We ask for no address, no key and no email — public data only.

No guaranteed yield

All APY figures are estimated, target-based, or paper-tested.

Transparent research

Strategy updates, risk checks, and paper results are logged publicly.

Start from what you hold

Holding USDC / USDT?
See the conservative tier — 5.0% realized, auditable, 0.0% drawdown (accrual, no costs charged) →
Idle stables earning 0%?
Free — we'll show what you're leaving on the table →
Already in DeFi (Aave, LP…)?
Check your position's real risk, free →

Start with the 60-second snapshot

Four questions, no wallet and no email — an honest risk snapshot and what your idle stables leave on the table.

Take the snapshot

No email required. No wallet connection. No deposits.