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 ~3.3% realized at 0.0% drawdown. Start with a free wallet check.

Paste a wallet address, ENS, or DeBank URL — an instant report: value at exit prices, concentration, stablecoin & bridge exposure, and what our RiskPolicy would refuse. Read-only, no wallet connection, no email.

Read-only · public onchain data · no wallet connection · opens checkup.earn-defi.com

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

No wallet to scan? Take the 60-second safety snapshot →

See a sample analysis → See the live track →

Portfolio value Idle capital Estimated APY Risk score Top risks Recommendations

View Strategy Lab →

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

~3.3% realized to date · auditable · 0.0% drawdown · 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

45 autonomous monitors 24/7

Estimate your yield

What your stablecoins could earn

Amount: $50,000

At our realized rate

~$1,650/yr

~3.3% realized · 0.0% drawdown

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.

Your report

See your DeFi portfolio like a risk analyst would.

Sample wallet 0x7a…91f · 5 chains · 14 assets Illustrative · not a real wallet

Total Value

$42,500

5 chains · 14 assets

Estimated APY

5.4%

visible DeFi positions

Capital Efficiency

68%

$29k deployed · $13.5k idle

Risk Score

72/100

High

Allocation by chain

Ethereum$18,000

Arbitrum$9,500

Base$6,000

BSC$4,000

Protocol exposure

Idle wallet$13,500

Aave$10,000

Pendle$7,000

Uniswap$4,500

Curve$3,000

Top recommendations

Reduce concentration — 44% in 2 protocols

Put idle capital to work — $13,500 idle

Review approvals — 3 unlimited

Illustrative example — a made-up wallet and numbers. Your report is built from real on-chain data.

Analyze wallet See a sample report →

Free checkup

What your free checkup includes

Portfolio overview

Total assets, chains, tokens, protocols, idle vs deployed capital.

Yield efficiency

Estimated blended APY, idle capital, missed yield potential, yield/risk mismatch.

Risk breakdown

Protocol risk, concentration, liquidity, stablecoin risk, smart-contract exposure.

Wallet hygiene

Active approvals, unlimited approvals, old permissions, risky contract exposure.

Recommendations

Top risks, top opportunities, and strategy fit.

Positioning

Not another portfolio tracker. A decision layer for DeFi.

Portfolio trackers show what you own. DeFi Checkup explains whether your portfolio makes sense.

Feature	Portfolio trackers	DeFi Checkup
Show wallet assets	Yes	Yes
Show protocol positions	Yes	Yes
Estimate idle capital	Sometimes	Yes
Explain risk/yield mismatch	No	Yes
Compare with strategy profiles	No	Yes
Practical recommendations	Limited	Yes
Monitor risk changes	Limited	Planned
Public strategy lab	No	Yes

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, ~3.3% 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

Current APY

~5.2%

Max drawdown

-0.03%

Go-live progress

28/29

Equity curve as of 2026-08-06 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

Scans the market

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

Applies strict rules

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

Logs every change

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

Research

Backed by a public strategy lab

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

The checkup helps you understand your current portfolio. 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