📂 Cele mai bune randamente DeFi cu risc scăzut ┃ ┣ 📂 >12% APY ┃ ┣ 📂 @pendle_fi PT-reUSDe ┃ ┗ 📂 @BeefyFinance seifuri stabile ┃ ┣ 📂 10-12% APY ┃ ┣ 📂 @Morpho AUSD ┃ ┗ 📂 @CurveFinance LP stabil ┃ ┣ 📂 8-10% APY ┃ ┣ 📂 @SkyEcosystem USDS (DSR) ┃ ┗ 📂 @OndoFinance USDY ┃ ┣ 📂 5-8% APY ┃ ┣ 📂 @MountainProtocol USDM ┃ ┣ 📂 @SkyEcosystem sDAI ┃ ┣ 📂 @Morpho seifurile USDC/USDT ┃ ┗ 📂 @aave USDC (L2/curatoriat) ┃ ┗ 📂 <5% APY ┣ 📂 @compoundfinance USDC V3 ┣ 📂 @Aave grajduri principale ┣ 📂 @CurveFinance bazinele de bază ┗ 📂 @OndoFinance (variante USDY fără randament)