YieldBuilt to be checked,
not believed.
Full openness, no gray areas: how we make money, how we rank platforms, what data we use, and where we don't operate.
Every platform page has a report link. Verified errors are fixed within 24 hours and noted in the changelog. Platforms may submit corrections with sources — they cannot pay for placement, grades or removals.
Report inaccurate data →What we hold ourselves to
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.
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 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.
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 is partially collected automatically via exchange public APIs where available; the rest is verified by hand. Every platform is refreshed daily, and the last-updated date is shown next to every rate.
See the Terms for details. Short version: YieldScope is an informational site and is readable worldwide. However, the referral links of our partner exchanges are restricted for residents of some countries (including the US, UK, Germany, Russia, and mainland China) by the partners' own affiliate terms — in those places, treat the site as pure information and check what's legally available to you locally.
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.
The A–F grade, decoded
One point for each check a platform passes — five public, verifiable criteria. Here's every check, and what each letter means for your money.
A verifiable license from a recognized regulator (VARA, FCA, MiCA CASP, FinCEN MSB), checked in the official register — not the press release.
Regular public attestations that customer assets exist 1:1, with a link to the latest report.
You can exit the base flexible product any time — no forced lockups on the flexible tier.
A dedicated protection fund or insurance policy covering user assets, with a public size.
At least two years with no hacks, freezes or bail-ins. Incidents are listed with dates and sources.
Safest tier. Passes every check — where boring money belongs.
Solid. One check failed — read which one on the platform page.
Medium. Fine for active use; think twice before parking savings.
Risky. High rates here are compensation for risk, not generosity.
Avoid for meaningful amounts. Listed for transparency only.
Re-derive any number
Every number is public and verifiable — from exchange APIs where available, otherwise checked by hand against each platform's official pages. No hidden affiliate feeds.
| 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 |
Sum of binary criteria passed: license, Proof-of-Reserves, flexible withdrawal, insurance fund, track record.
score = regulation + reserves + flexible
+ insurance + track_record // 0..5
grade = {5:A, 4:B, 3:C, 2:D, else:F} 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(0-30) + APY_stability(0-25)
+ no_IL(0-20) + real_yield(0-15)
+ stablecoin(0-10) 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 // n = compounding periods per year
For PoS assets: nominal APY minus network inflation. High nominal APY on an inflationary chain is partly dilution.
real = (1 + nominal) / (1 + inflation) − 1 // nominal from chain, inflation from issuance
In DeFi lending, part of the borrow cost is offset by rewards in protocol tokens. We show the net cost.
net = base_borrow_apr − token_rewards_apr