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@Morpho Labs 🦋 What is Morpho? How is it different from Aave?🐰🏦

Many people refer to both Morpho and Aave as "lending protocols," but the underlying organizations are quite different. Now may be one of the few opportunities for ordinary people to make money; below, I will teach you how to make money step by step.💰📈

1. Differences from traditional DeFi lending protocols ⚡️

Aave (shared large pool)🏦

Assets are concentrated in a shared pool, and parameters (interest rate curves/risk control thresholds, etc.) are determined uniformly by governance.
✅ Mature, large depth, intuitive; ❌ Lack of personalization, slower global governance changes.

Morpho (Blue + Vaults)

Isolated markets + vault manager: different borrowing coins/collateral/oracles/interest rate models are mutually isolated.
The vault manager routes funds to more suitable markets; earns interest and incentives, deducts management fees and gives you the rest.
- ✅ High degree of customization, potentially higher net returns; ❌ Additional layer of vault manager strategy and contract risks.

2. Analyzing returns visually: How does 9.69% come about? 📈

Taking Hyperithm USDC in the picture as an example:

Native APY: 10.39% → Interest paid by borrowers (utilization rate ↑ → interest rate ↑).
Morpho incentives: +0.33% → Additional incentives from the protocol/market (points/tokens/cashbacks),
Performance fee: 10% ≈ -1.03% → Based on earnings × fee rate
Net APY = 10.39% + 0.33% − 1.03% = 9.69% ✅

💵 Intuitive conversion:

10,000 USDC → About $969 per year｜About $80.8 per month｜About $2.66 per day, just enough for a hearty pig trotter meal!

3. How does the vault manager help you earn? 🛠️

1. Deposit USDC (like Hyperithm USDC).
2. The vault allocates funds to one or more isolated markets of Morpho.
3. Generate loans → interest accrual; sometimes receive incentives/points/airdrops** 🎁.
4. The manager reinvests/rebalances/claims incentives, improving fund utilization and compounding efficiency.
5. A performance fee is charged proportionally on the earnings (10% in the picture), and the rest is your Net APY. ✅

From the final results, it appears that Morpho's lending returns are currently twice those of Aave.

Comment below: Would you choose Aave or try Morpho? 🤔🔥

Do you think Morpho is safe? Will it de-peg and lose money like USDe?

Morpho has already launched on Binance; will it be the next Dogecoin?

Feel free to leave comments and exchange ideas! 🗣️💬

#morpho $MORPHO

Please verify my wbeth used position lost 20,000 usdt due to your Binance's poor quality server, terrible risk control, and the unified contract price index failure. Customer service is unreachable and is no different from running away.

When will this bastard go bankrupt? There's no big ending.

congratulations

dappOS has started distributing tokens again! Everyone gets a share. Given the current situation, an average of 50 dollars per person is reasonable, that's enough for a small barbecue. Even better, this event is extremely simple, it's practically giving away money to novices.
$BTC $ETH $BNB
Click the tutorial for details to claim ↓

See my pinned article for mutual assistance

🚀The reason for the historic surge in A-shares today📈 has been found, and I have summarized it and shared it with everyone.

1. The governor of the central bank mentioned that the deposit reserve ratio will be lowered by 0.5 percentage points to provide the market with about 1 trillion yuan of long-term liquidity, and it may be lowered by another 0.25-0.5 percentage points this year.

2. The central bank lowered the 7-day reverse repurchase operation rate by 0.2 percentage points (from 1.7% to 1.5%), and guided the loan market quotation rate and deposit rate to decline simultaneously to maintain the stability of the net interest margin of commercial banks.

3. Lowering the mortgage rate, the governor of the central bank announced a 0.5 percentage point reduction in the existing mortgage rate and unified the minimum down payment ratio for mortgages.

4. New monetary policy tools
- Securities, funds, and insurance companies swap facilities: Allow qualified securities, funds, and insurance companies to use bonds, stock ETFs, etc. held as collateral to exchange for highly liquid assets from the central bank. The initial operation scale is 500 billion yuan, which can be expanded in the future.
- Stock repurchase, increase in holdings re-loan: The central bank issues re-loans to commercial banks to provide loans to listed companies and major shareholders to repurchase and increase holdings of stocks. The first phase of the quota is 300 billion yuan, the re-loan interest rate is 1.75%, and the commercial bank loan interest rate is 2.25%.

Among them, the most concerned by the market is the first introduction of structural monetary policy tools to support the stock market. The scale of the first phase of swap facility operations is 500 billion yuan, and there is the potential to expand by 500 billion yuan or even more. If the funds are in place, A shares are expected to continue to rise. #比特币兑黄金或将上涨 $BTC $ETH $BNB

Are you all fully invested in A shares, or did you sell at 2689 points?

One of my college classmates told me on May 15th when the Shanghai Composite Index was over 3100 that he had quit his job and was copying A-shares full-time!

He also said at the time that there was no turning back. He hoped to get an annualized return of 15% through his own short-term trading. He hoped that the Sharpe rate could reach 1.2. Now everyone knows that the Sharpe ratio is negative. He also said that TM is a chosen one.

Stupid people don’t have much money, and the society is sad.

The A-share market has fallen by more than 10%, and his tricky operation is estimated to lose 20%. He lost a year’s salary.

Isn’t this TM 200u Start 2.0? The common point between the two is that they only do long in one direction.

$BTC $ETH $BNB

💰Binance is giving out money again! 😄Check if you have any.

💗Binance will send out fee vouchers from time to time, or directly issue stablecoin rewards by clicking on the reward center on the homepage.

I received 3USDC this time, and I don’t know why, maybe it’s because I posted a lot. They also sent me a 20USDT fee-free voucher.

I asked the customer service, and there is no reason for this. As long as you log in to the platform more often, you will have active transactions.

Maybe it’s because of the current bear market, flat market, and low trading volume, Binance wants to increase the platform’s trading volume. #非农就业数据即将公布 #Telegram创始人获保释 #BNBChainMemeCoin #BTC走势分析 #BNBChainMemeCoin
$BTC $ETH $BNB

Follow me, the coin circle hoe will take you to dig deep for wealth!

🚀Big news! 🇨🇳Chinese courts issued a document to loosen up Bitcoin🪙, calling for virtual currencies to change from prohibition to regulation!

Recently, the China Court Newspaper published an article entitled "The Judicial Disposal of Virtual Currency Must Be Standardized", which mentioned the problems and difficulties faced by virtual currencies in judicial disposal, and suggested that judicial organs can provide clear legal basis for law enforcement personnel and the public to refer to.

Does this mean that the authorities will transition virtual currencies from the gray area to specific practices with explicit provisions? The article also mentioned the seriousness of virtual currency crimes. In 2023, China cracked down on 428 virtual currency crime cases, involving a total amount of RMB 430.719 billion. Given that the People's Court Newspaper is a media organization under the jurisdiction of the Supreme People's Court of China, the issuance of this article may imply that the official attitude towards cryptocurrencies may change from prohibition to regulation.

The article points out that in China's current judicial practice, the disposal of virtual currencies has become a focus of attention. For example: the issue of ownership recognition, the issue of virtual currency value assessment, and the issue of virtual currency money laundering. The article also mentioned that the dilemma of judicial disposal is that while the property attributes of virtual currency are denied in cognition, the property value presented by virtual currency cannot be avoided in the process of financial processing involved in the case.

In other words, since Bitcoin is considered to have no value by the Chinese government, why can it be confiscated by the police? Does divorce property include Bitcoin? Can assets be transferred by purchasing Bitcoin with RMB before divorce? How to ensure the safety of judicially confiscated private keys and who keeps them?

The article suggests that judicial practice must issue a comprehensive set of guidelines for the judicial disposal of virtual currency as soon as possible to provide a clear legal basis and operational norms for this emerging field. This means that Bitcoin may undergo a huge change in people's cognitive level, and Bitcoin will no longer be defined as a worthless pyramid scheme currency. Will this regulatory shift increase Bitcoin by 10,000! $BTC $ETH $BNB

Follow me, the coin circle hoe, and take you to dig deep for wealth!

US stocks soared again 📈, A shares plummeted again 📉! Bitcoin rose to 61,400, and altcoins went crazy 🐮! The funding rate turned from negative to positive! The reason has been found.

There is no doubt that US stocks rose again last night. The strange thing is that Hong Kong stocks and A shares have been falling during the day, and closed at the lowest point again. It is a typical pig-killing trend, leaving no chance for those who enter the market to escape. Bitcoin pushed up to 61,400 with the rise of US stocks, but with the decline of A shares in the afternoon, it stopped the rise 📈 and turned downward 📉. 💢The impact of the hateful second economy on the price of the currency circle!

There was also a news on the 20th. It was rumored that the Supreme Court ruled that virtual currency was money laundering, and several small banks in northeastern provinces connected to the payment system for Russian rubles. The wrong team and the dictatorial economy will undoubtedly cast a greater haze on the poor Chinese economy!

😺Is the altcoin explosion coming?

PEPE directly turned into an 8-digit number. Compared with Bitcoin, MEME coin has indeed increased by a lot. In addition, as the US stock market is rebounding, the price of Bitcoin is bound to rise. My personal BTC price is 68,000 at the end of September. If the wish really comes true, MEME coin will at least increase by 20 points if it is optimistic. Speculative gamblers will never give up this opportunity.

Funding rate reversal!

After half a month of negative contract funding rates, the funding rates of many currencies have finally reversed recently, and not a small number of currencies have returned to normal balance. This may mean that the reversal of the market is really coming. In addition to US stocks, the funding rate is also an important indicator of market reversal! #杰克逊霍尔年会 #新币挖矿TON #美国CPI数据连续第4个月回落 #币安Web3钱包 #美国7月PPI低于预期 $BTC $ETH

Follow me, the coin circle hoe, and take you to dig deep for wealth!

📈The US stock market rose slightly, and the 🌞cryptocurrency market rebounded. Some people lost so much that they wanted to jump off the building, but I made a lot of money. 💰

With the US stock market rising sharply for two days, Bitcoin plummeted continuously, causing investors to suffer heavy losses. Finally, the rise of the US stock market last night led to the recovery of Bitcoin. In fact, it was because of the decline in bond yields, but many people did not understand this.

The yield on the US 10-year bond fell by 3 basis points to 3.88%. Funds flowed back to the cryptocurrency market, pushing up the price of Bitcoin.

Yesterday I posted an article explaining why Bitcoin fell when the US stock market rose sharply for two consecutive days? I gave detailed reasons, but many people were dismissive of my explanation. I always think that there is a mysterious force that is the dog dealer's manipulation, so they suffer losses and attribute their losses to the crops.

He thinks that all analysis is useless, and the price fluctuations of Bitcoin are like gambling. Then I am curious why they still gamble? At the same time, various technical analyses are also carried out, as if they are real. Without knowing that you have no ability to control the entire market, you admit that you are a leek and let others slaughter you?

I saw three bloggers in the square. They all lost a lot and collapsed. One blogger even wanted to jump off the building. How sad it is. They have no financial management concept of their own and can only gamble on the currency circle platform. They don’t understand the meaning of blockchain. It is just a game, not the whole of life, and they can’t put all their wealth on the currency circle. Especially those who speculate on those altcoins, meme coins, and dog inscriptions and runes. If not you, who will be the leeks?

Bitcoin 60,000 to 70,000, and then 70,000 fell back to 60,000. My assets have not changed or decreased. It is indeed a question worth thinking about. Is the money lost in handling fees, or is it the altcoins or dog coins I bought, which are essentially long-term garbage coins that lose more money the longer you hold them.

I said that I made a lot of money, but you may not believe it. I hope everyone will pay attention to me. I will tell you how I made money and how I controlled risks from the end of last year to today. #美国CPI数据连续第4个月回落 #新币挖矿TON #美国7月PPI低于预期 #WBTC

Follow me, the coin circle hoe, and take you to dig deep for wealth! Let's encourage each other!

🚨After the implementation of the online certificate system, Binance uses online certificates to log in? Teach you how to get rid of Big Brother's blockade! ! 🚨

The "online certificate" refers to the network identity authentication certificate that carries the "network number". With it, Big Brother can track your identity effortlessly. Many people think that this is a pilot or a mandatory implant for a small number of apps. The app filing system was also introduced in the early years, and Binance is still using it well. I think this view is too naive. Boiling frogs in warm water 🐸 is Big Brother's strength.

China said in an announcement that it plans to implement the "network number" and "online certificate" system. This means that more than 1 billion netizens in the country may need to have a certificate to go online in the future. Feedback on the public draft The deadline is August 25, but the "National Network Identity Authentication Pilot Version" App has been launched in multiple mobile app stores in China. And Taobao, WeChat and Xiaohongshu have already started to implement it. It's really fast. They started before they even raised any opinions.

It can be reasonably inferred that the system will be enforced through hardware restrictions in the future. Even if you use an iPhone, you can't avoid it. What VPN, what foreign ID, as long as you buy the domestic version, these can be locked in, so that your Apple phone can only be in the domestic area, and naturally it is impossible to install VPN, Binance.

Then How about Android? Can I install apk on Android? It's still the same. As long as your phone is a domestic version, the system will have a background anti-fraud app. I don't accept any rebuttal to this. It can detect what software is installed on your phone. When the time comes, you know the outcome. Even confiscate your "illegal income"?

How to get rid of it:
Whenever you buy a foreign version of your phone, install fewer unknown domestic apps, because rogue apps can get what apps are installed on your phone. Even if the phone is not a foreign version, at least install a foreign version system. Pay attention to privacy at ordinary times, don't use unknown v pn. #美国CPI数据连续第4个月回落 #新币挖矿TON #美国7月PPI低于预期 #美国7月PPI低于预期 #WBTC $BTC $ETH $BNB

Did you understand, fellow coin friends? Follow me, the coin circle hoe ⛏️, and take you to dig for wealth!

How about clicking 👍? You are all eligible to enter the Hall of Valor and drink with the gods!

📈The US stock market surged again last night! 📉 Bitcoin broke 57,000, and altcoins were bleeding🩸 I summarized the reasons

Last night, US retail spending data was released. US retail spending increased in July, and retail sales last month increased by 1% from the previous month, showing that cooling inflation and increased income continue to boost household spending power, helping to ease people's concerns about a sharp slowdown in the US economy.

The inflation data released this week was better than expected. Once the data came out, Americans no longer worried about the economic recession caused by the previous ugly employment data. The last time the ugly employment data was released, the US stock market was directly diarrhea. After the rise of the US stock market the day before yesterday and yesterday, it reflected that investors are still full of confidence in the US economy.

But why did Bitcoin still fall sharply? Those who opened long altcoin contracts were even more miserable. The reason is mentioned above that the US economy is expected to improve. Therefore, the Federal Reserve has begun to continue to raise interest rates fearlessly. The US 10-year Treasury bond has directly risen to 4%, which can also be reflected in the decline in bond prices.

With the interest rate hike, all kinds of risky assets will definitely be in a state of decline, such as cryptocurrency assets, not to mention those worthless altcoins. Funds will flow back to the United States.

Last night I received an oracle from the god Odin, which said:
Anyone who sees and quickly double-clicks "✡" will make money if they open a trade today! However, not everyone can see the Lord's totem.
$BTC $ETH $BNB #美国CPI数据连续第4个月回落 #新币挖矿TON #美国7月PPI低于预期 #WBTC #TON

Follow me, the coin circle hoe, and take you to dig deep for wealth!

I have summarized that Binance Square can be divided into the following types of bloggers. There are all kinds of monsters and demons.

The first is to open a real account with a small amount of funds to attract people to follow, and everyone will see this person's position exploded and laugh at him. Starting with 200u is an example.

The second is to be a "teacher" to lead orders, various K-line analysis, and membership fees. Of course, they themselves have no strength, but they can't stand the fools, and they can still make a lot of money by cheating people. The chief analyst is an example. I really envy them, and I also want to open a group to attract people to pay to support me.

The third is to forward information and news from various currency circle platforms. This kind of labor-saving, no need to use brains and hands.

The fourth is those who can't find their own direction, trying all kinds of styles, and there is no specific fan group.

I gained 1,000 fans in a week, and there should be no one who can compare with me

My first article became popular, so I posted several posts in a row and gained hundreds to 1,000 fans. But there are also many people whose posts are not read by anyone. I see that the posts written by other bloggers are only 1k or even less than 500. It's really pitiful. I only posted a few times and the posts have such high views, because the title I wrote attracts you to come and see and attracts more people to pay attention.

Little do you know that Binance is the biggest dealer behind it, attracting you to continue to spend time in the square and Binance app, so you can't help but open a contract, and then the dealer will charge a fee.

Think about what is the purpose of reading the square tweets? All kinds of analysis can make money. All teachers have made a fortune quietly. Do they still need to teach you and reduce their own profits? $BTC $ETH $BNB #美国CPI数据连续第4个月回落 #新币挖矿TON

Follow me, the coin circle hoe ⛏️, take you to dig wealth!

🚀Advance to Moscow! Ukraine invaded Russia 20 kilometers away, and Russia has become a defeated country! 🚨Bitcoin fell below 59,000

The Ukrainian army's counterattack continues. Overnight, after Kursk, Russia declared a state of emergency in the second region, and hundreds of thousands of residents have been evacuated from both regions so far.

Ukraine began its raid on Russian territory on August 6, and in the counterattack on August 14, Ukraine claimed to have controlled about 1,000 square kilometers of land, as well as 74 local towns and villages. And despite recent setbacks on the battlefield in Donbass, Ukraine has proven its ability to launch sophisticated combined arms attacks.

In other words, this counterattack has been enough to make the Kremlin bleed, and Ukraine is now pursuing the victory, aiming at Moscow and even beheading Putin to prevent Russia from sending troops to kill or capture invading Ukrainians in the future.

Russian Governor Vyacheslav said the situation in the region was "extremely difficult and tense", and Ukraine's daily shelling was destroying residential houses and causing civilian casualties.

This is Ukraine's most in-depth and significant counterattack against Russia since Moscow's full-scale invasion in February 2022. Putin vowed that Ukraine would suffer an "equal response". Russian President Putin condemned Ukraine's actions as a "major provocation".

Death is not a pity
However, Russians' views on the war are still worrying. Both parents still support Putin's invasion of Ukraine. "I think people are still willing to believe Putin in the current situation. The Ukrainian people are being oppressed and Putin needs to liberate them." A Russian said.

US response
US President Biden spoke for the first time on the evening of August 13 on Ukraine's counterattack, describing it as "a real dilemma for Putin. We want to wipe out all Russian troops, including Putin."

Bitcoin Outlook
If Putin loses his temper and threatens to use nuclear weapons, it will pose a serious and substantial threat to the world. Global stock markets are likely to collapse, gold will soar to $3,000 per ounce, Bitcoin will directly break 40,000, countless contracts will be liquidated, and blood will flow. What do you think? #新币挖矿TON #美国7月PPI低于预期 #Ripple于诉讼中取得部分胜利 #加密市场反弹
$BTC $ETH $SOL

Follow me, the coin circle hoe will lead you to dig deep for wealth!

💰With insufficient capital, how can ordinary people turn things around through contracts? Can 10,000 yuan make 1 million yuan?

The answer is yes. Many people are eager to make a lot of money in the currency circle, which is very realistic and possible. Today I will share my strategy with you for free. If you can strictly implement it, making 500,000 yuan is not illusory.

1. Accumulate principal
First, you need to increase the principal. It is recommended to move bricks or do food delivery work, and increase the principal to about 10,000 within two months.

2. Select coins
Observe Bitcoin and choose to buy new coins when it is above its 30-week line. Give priority to hot coins in the bear market, such as PEPE or BONK before the big rise. Remember, choose coins with heat and stories. Why is it the 30-week line, because this is a long-term line and the dividing line between bulls and bears.

3. Stop loss strategy
When Bitcoin falls below the 30-week line, stop loss decisively. You can continue to move bricks during the waiting period to increase income. Set 5 chances of failure and take out 2,000 yuan as investment. Even if you fail four times, you still have 2,000 yuan in total funds, so keep trying.

4. Buying and selling strategies
When the selected new coin reaches a 1-2 times increase, buy it decisively. Keep executing this strategy. Remember, small funds should buy new coins, not ETH, BTC mainstream coins, because their increase is not enough to achieve your goal.

5. Market cycle
If you gradually transition from a bear market to a bull market, you can achieve a 100-fold increase by seizing 2 10-fold opportunities according to the strategy, which may take half a year to a year. In fact, with a 10-fold leverage, a 1-fold price increase is a 10-fold increase in income.

6. Growth and exit
If all 5 attempts fail, it is recommended to exit the currency circle and focus on work and self-improvement. Then wait until you have capital to try again

7. Patience and discipline
The most important thing is to be patient and strictly abide by the entry and stop-loss strategies. If you find that you can't persist, it is recommended to exit as soon as possible to avoid falling into greater risks due to the contract.

My strategy has been shared. The key to success in the cryptocurrency industry lies in execution and patience. Good luck to everyone!
$BTC $ETH $BNB

Follow me, the cryptocurrency hoe, and I will help you dig deep for wealth!