defi

Jednoduše:
APR a APY ukazují výnos, ale APY počítá i složené úročení.
Co je APR
APR (Annual Percentage Rate) = roční procentuální výnos bez započítání složeného úročení.
výnos je pevně daný
úroky se nepřičítají k jistině
jednodušší výpočet
👉 10 % APR znamená, že za rok získáš 10 % z vložené částky.
Co je APY
APY (Annual Percentage Yield) = roční výnos včetně složeného úročení.
úroky se pravidelně přičítají
další výnos se počítá i z již získaných odměn
skutečný výnos je vyšší než APR
Příklad
Investuješ 10 000 Kč.
10 % APR:
➡️ Po roce máš 11 000 Kč
10 % APY (měsíční připisování):
➡️ Po roce máš víc než 11 000 Kč
(protože úročíš i už vydělané peníze)
Kde se používají
staking
DeFi platformy
lending
spořící produkty na burzách
Na co si dát pozor
⚠️ Vysoké APY často znamená vyšší riziko
⚠️ APY se může měnit
⚠️ Výnos je vyplácen v daném tokenu – jeho cena může klesnout
Častá chyba
„Má to 200 % APY, to je jistý zisk.“
Ne nutně.
Vysoký výnos = často vysoké riziko nebo inflace tokenu.
Jednou větou:
APR ukazuje základní výnos, APY ukazuje skutečný výnos se složeným úročením.

#cryptoeducation
#APRvsAPY
#PassiveIncome
#defi

@Plasma is transforming the way we interact with blockchain! $XPL powers a network that is fast, secure, and scalable, enabling seamless transactions and innovative DeFi solutions. With Plasma, users can explore new possibilities in decentralized finance, enjoy low fees, and be part of a community shaping the future of crypto. Don’t miss out on this exciting journey! 🌐🚀 #Plasma #defi $XPL

1) Executive summary
$AAVE is DeFi's dominant lending project, operating decentralized markets where users supply assets to earn yield and borrowers access overcollateralized loans. The project manages risk parameters directly through governance, offering a battle-tested approach to decentralized lending with over five years of operational history. Since launching in 2020, Aave has iterated toward greater capital efficiency, risk segmentation, and multichain expansion across three major versions, with V4 expected later in 2026.
January marked a strong start to 2026 across Aave's core lending metrics. TVL, active loans, fees, and revenue all grew month over month, with TVL and active loans also posting substantial year-over-year gains. Market share expanded as Aave continued to outpace the broader lending sector's growth. However, monthly active users declined both month over month and year over year, continuing a trend of consolidation following elevated activity in late 2025.
The chain distribution remained concentrated on #Ethereum , which accounted for over 80% of TVL, active loans, fees, and revenue. However, user activity continued to skew toward Aave's multichain deployments.
🔑 Key metrics (January 2026)
Total value locked: $57.33b (+5.18% MoM, +59.71% YoY)Active loans: $23.25b (+7.27% MoM, +58.12% YoY)Fees: $75.13m (+14.95% MoM, -4.81% YoY)Revenue: $9.96m (+14.47% MoM, -34.27% YoY)Monthly active users: 114.60k (-5.83% MoM, -15.80% YoY)Market share: 62.82% (+0.61 pp MoM, +1.73 pp YoY)
👥 Aave team commentary:
"January reinforced Aave's position as foundational infrastructure for onchain lending. Total loans originated since launch approached $1 trillion, ETH deposits on the Ethereum Core market reached an all-time high, and Aave's share of #defi TVL has grown from approximately 8% to 28% over the past two years.
Distribution expanded meaningfully through integrations with Kraken DeFi Earn, Jumper Exchange, and Balance. These partnerships extend Aave's reach into CeFi, custody, and aggregation layers without fragmenting liquidity. Stablecoin adoption continued to drive growth, with PYUSD crossing $400m in deposits and over $15b in stablecoin supply now flowing through the protocol.
The Horizon market for RWA-backed lending reached new milestones, with deposits approaching $600m and borrows crossing $200m. On the engineering side, the Aave V4 security contest concluded with 918 participating researchers, marking progress toward the V4 protocol upgrade expected later in 2026.
Aave's recently published '2025 Year in Review' provides further context: at peak, $AAVE held $75b in deposits, enough to rank among the top 50 U.S. banks by assets held. The protocol also processed over $1.1b in liquidations across 100,000+ events without a single issue, while GHO supply grew to nearly $500m."
2) Total value locked
Total value locked (TVL) measures the total USD value of collateral deposited into Aave and outstanding loans. January TVL averaged $57.33b, up 5.18% from December's $54.51b and up 59.71% from January 2025's $35.90b. Ethereum accounted for 81.77% of deposits, with Plasma (8.19%), Arbitrum One (3.52%), and Base (2.59%) comprising the largest non-Ethereum deployments.

3) Active loans
Active loans measures the total USD value of outstanding borrows across all Aave lending markets. January active loans averaged $23.25b, up 7.27% from December's $21.67b and up 58.12% from January 2025's $14.70b. The chain distribution closely mirrored TVL, with Ethereum at 81.90% and Plasma at 8.75%.

4) Fees
Fees measure the total USD value of fees paid by users across all of Aave's lending markets. This metric aggregates fees from six primary sources: lending interest from V2 and V3 markets, flash loan fees, liquidation fees, GHO borrowing interest, and GHO stability module fees. January fees totaled $75.13m, up 14.95% from December's $65.36m but down 4.81% from January 2025's $78.93m. Trailing twelve-month fees reached $943.71m. Ethereum generated 79.63% of fees, a smaller share than its 81.77% of TVL, with Plasma (9.65%) and Base (3.26%) contributing disproportionately to fee generation relative to their deposit bases.

5) Revenue
Revenue measures the total USD value of fees retained by the Aave DAO. January revenue totaled $9.96m, up 14.47% from December's $8.70m but down 34.27% from January 2025's $15.15m. Trailing twelve-month revenue reached $138.30m. Ethereum accounted for 84.31% of revenue, a higher share than its 79.63% of fees, reflecting stronger revenue retention on mainnet relative to other deployments.

6) Monthly active users
Monthly active users (MAU) measures the number of unique wallet addresses that have interacted with #AAVE over a rolling 30-day period. January MAU totaled 114.60k, down 5.83% from December's 121.70k and down 15.80% from January 2025's 136.10k. Unlike TVL and fees, user activity skewed heavily toward L2s: Base led at 38.16%, followed by Ethereum (20.40%) and Arbitrum One (16.77%). L2 chains collectively accounted for over 56% of monthly active users.

7) Market share
Market share measures $AAVE share of active loans relative to other lending projects, including Morpho, Maple Finance, Fluid, Spark, Kamino, Compound, Euler, and Venus. Aave averaged 62.82% market share in January, up 0.61 pp from December and up 1.73 pp year over year. With $23.25b in active loans out of a $37.00b total market, Aave held more than the combined total of all other tracked competitors.

8) Definitions
Products:
Aave V1: the original version of Aave, launched in January 2020.Aave V2: the second major version, launched in December 2020, introducing features like flash loans and credit delegation.Aave V3: the current major version, launched in March 2022, enabling multichain expansion and improved capital efficiency.Aave V4: the upcoming version, expected in 2026, promising a unified Liquidity Hub with modular risk controls.GHO: a decentralized stablecoin native to Aave, launched in 2023, where borrowers mint GHO using their Aave collateral.Horizon: Aave's market for RWA-backed lending, enabling credit against tokenized real-world assets.
Metrics:
Total value locked: measures the total USD value of collateral deposited into Aave and outstanding loans.Active loans: measures the total USD value of outstanding borrows across all Aave lending markets.Fees: measures the total USD value of fees paid by users across all of Aave's lending markets. This metric aggregates fees from six primary sources: lending interest from V2 and V3 markets, flash loan fees, liquidation protocol fees, GHO borrowing interest, and GHO stability module fees.Revenue: measures the total USD value of fees retained by the Aave DAO.Monthly active users: measures the number of unique wallet addresses that have interacted with Aave over a rolling 30-day period.Market share: measures Aave's share of active loans relative to other lending projects.
This article is my personal research and opinion, so if you have to perform any action do your own research also.
#AAVEUSDT #bullishleo

Hello Binancians!
$USD1 Have you noticed the subtle shifts happening in the crypto market lately? While many of us are focused on highly volatile memecoins or Layer-1 tokens, some quiet but important changes are taking place at the infrastructure level.
Today, I want to talk about a new campaign currently gaining traction on Binance. It brings together two very interesting players: a new face aiming to reshape the stablecoin landscape USD1 and a DeFi project with massive attention and narrative strength World Liberty Financial (WLFI).
This campaign isn’t just another airdrop or mining event. It feels more like a preview of how future DeFi systems might operate.
Meet the Main Characters: A Stable Foundation and an Ambitious Vision
Before diving into the campaign, let’s understand who these two players are and why Binance has brought them together.
1. USD1: More Than “Just Another” Stablecoin
You might be thinking, “Come on, another USD stablecoin? Don’t we have enough already?”
That’s exactly the point. After years of market turbulence, demand for compliant, transparent stablecoins deeply integrated with next-gen DeFi protocols has reached an all-time high. USD1 aims to fill that gap by becoming the most reliable “anchor” between traditional finance and Web3. It doesn’t chase hype — it focuses on stability and liquidity.
2. WLFI Token: DeFi’s Mass Adoption Ambition
World Liberty Financial (WLFI) needs little introduction. Since its inception, it has carried the mission of bringing complex DeFi systems to everyday users, backed by strong narrative power and momentum. WLFI’s core vision is to help global users break free from traditional intermediaries and achieve financial freedom.
When Foundation Meets Vision
For WLFI to realize its grand DeFi vision, it needs an extremely stable and smooth “fuel system.” Meanwhile, USD1, as a new compliant stablecoin, urgently needs a killer use case with a large user base.
This Binance campaign is the spark created by the collision of those two needs.
Campaign Mechanism Overview: How to Join This DeFi Experiment
(Important: Please fill in or modify this section based on the actual campaign details you see on Binance. The following is a general template.)
Binance clearly wants users to experience how smooth it can be to use next-generation stablecoins in DeFi. The core logic of this campaign is to encourage users to hold and use USD1 within the WLFI ecosystem.
According to the campaign page, participation methods may include (please verify):
USD1 Holding/Staking Session
Users swap USDT or other assets into USD1 and deposit them into designated Binance Earn products or Launchpool programs to share WLFI token rewards proportionally. This is the most conservative way to participate — using low-risk stablecoin exposure to gain high-volatility popular token rewards.
Liquidity Interaction Tasks
Some activities may encourage users to use USD1 within Binance-supported DeFi entry points to complete simple interaction tasks and earn WLFI airdrop points.
The logic behind this is clear: Binance is leveraging its platform power to inject initial liquidity into USD1 while simultaneously delivering real DeFi users to WLFI.
Why You Shouldn’t Ignore This Campaign
In crypto, it’s easy to get distracted by “100x coins” while overlooking infrastructure-building opportunities.
Low-Risk Way to Obtain Hot Tokens
If you’re already holding stablecoins while waiting for market clarity, converting part of your position into USD1 to join this campaign adds almost no extra market volatility risk — yet allows you to earn WLFI, a highly discussed token. This is a smart “low-risk farming” strategy.
Early Positioning in a Future Ecosystem
If USD1 truly becomes a key compliant stablecoin in future DeFi, participants in these early campaigns become the first “native residents” of that ecosystem.
Binance’s Project Selection Signal
The fact that Binance is jointly promoting both projects signals the platform’s recognition of their potential roles in the future DeFi landscape.
Conclusion
Markets reward those who both look at the stars (WLFI’s big vision) and keep their feet on the ground (USD1’s stability).
This joint USD1 & WLFI campaign offers a great window into how major exchanges are positioning for the next DeFi cycle. Don’t just watch — visit the Binance campaign page, set up your USD1 position, and see where this new DeFi experiment might lead.
Disclaimer: This article is for informational and opinion-sharing purposes only and does not constitute investment advice. Cryptocurrency markets are highly volatile. Always do your own research (DYOR) and fully understand the risks before participating in any activity. Please refer to Binance’s official campaign page for final rules.$WLFI
#Binance #USD1 #WLFI #defi #stablecoin