How we operate
Full transparency on how the project works — no hidden rules, no grey areas.
What is YieldScope
YieldScope is an information service. We are NOT a financial company, NOT a bank, NOT a broker. We do not accept user funds and do not provide financial services. We are a showcase that helps you compare yield terms across platforms. Your money always goes directly to the platform you choose.
How we earn
We make money on affiliate commissions from the platforms we link to. When you sign up through our link, the exchange pays us a cut. The price doesn't change for you — it's standard marketing spend. Affiliate links are clearly labeled.
Ranking principles
Ranking is based on risk/yield balance, NOT on whether we have an affiliate link. Platforms we have no agreement with also appear in results. If a non-affiliate platform has a better rate and risk profile, we show it first — even though we earn nothing from it.
Risk evaluation methodology
We evaluate every platform on 5 objective criteria: Regulation (licensed?), Proof-of-Reserves (publishes reserves?), Flexible Withdrawal (no forced lock period?), Insurance Fund (has insurance?), Track Record (2+ years without incidents?). Each criterion is a binary yes/no with public reasoning and a source link. 5/5 → 🟢 Low risk. 3–4/5 → 🟡 Medium. 0–2/5 → 🔴 High.
Data sources
At launch, data is collected and updated manually. The last-updated date is shown next to every rate. In the future we plan automated collection via AI agents with verification and a public changelog.
Geographic restrictions
See the Terms for details. Short version: we don't work with residents of the US, UK, Germany, Russia, and mainland China. Our partner exchanges require this — without it we'd lose our main revenue source.
Disputed cases
What counts as an "incident" for Track Record: withdrawal halt > 1 hour, bankruptcy, hack with loss of user funds, regulator freeze, delisting of a key product without > 24h notice, proven manipulation of reports. These criteria are public and applied uniformly to all platforms. If you think we're wrong about a specific platform — write to us.
Where every number comes from
Every number comes from a public API. No hidden affiliate feeds. You can verify any endpoint yourself.
| Source | What | Endpoint | Frequency |
|---|---|---|---|
| DeFiLlama Yields | DeFi pools | https://yields.llama.fi/pools | daily |
| DeFiLlama lendBorrow | DeFi borrow markets | https://yields.llama.fi/lendBorrow | daily |
| Bybit Earn API | Bybit yield products | https://api.bybit.com | daily |
| OKX Savings API | OKX yield products | https://www.okx.com/api/v5/finance/savings/lending-rate-summary | daily |
| CoinGecko Markets | Asset prices, market data | https://api.coingecko.com/api/v3/coins/markets | daily |
| CoinGecko Chart | Asset price history | https://api.coingecko.com/api/v3/coins/{id}/market_chart | daily |
All sync scripts are in the repo (scripts/sync-*.py) — open and reproducible.
How we calculate
Exchanges often publish APR (simple annual rate) but display APY (with compounding). We use whatever the exchange itself shows in its Earn section — if APR, we compound monthly to APY.
APY = (1 + APR/n)n − 1 For PoS assets: nominal APY minus network inflation. High nominal APY on an inflationary chain is partly dilution.
Real Reward = APY − Inflation In DeFi lending, part of the borrow cost is offset by rewards in protocol tokens. We show the net cost.
Net Borrow APR = Base − Rewards Sum of binary criteria passed: license, Proof-of-Reserves, flexible withdrawal, insurance fund, track record.
Score = Σ (criterion passes) A 0–100 stability score from public DeFiLlama data: TVL (30 pts), how close current APY sits to its 30-day mean + ML outlook (25), no IL risk (20), low share of yield from token rewards (15), stablecoin pool (10). A ≥80, B ≥65, C ≥50, D ≥35, F <35. This is NOT a smart-contract safety score — we have no audit, protocol-age or hack-history data.
Score = TVL·30 + APY·25 + IL·20 + Reward·15 + Stable·10 Every number is verifiable
Sync scripts, data schema and formulas live in the repo. Spotted a mistake? Send us a note — we'll fix it. Platform and asset YAMLs are open to edits via GitHub PR.