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Home Staking Yield Optimiser

Crypto Staking Yield Optimiser

Calculate how much you could earn on your crypto by staking it to generate yield. Our calculator helps you optimise your APY and reduce your risk by spreading your investment across multiple crypto platforms and calculating the optimum amount to deposit in each. We include both CeFi and DeFi crypto platforms. You can also use the tool as a simple way to track your portfolio and interest earnings. Just manually enter each of your platform deposits as a row.
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Manual Entry

Enter Investment Preferences

Investment Amount
Investment Preferences
Payout Preference
Diversification

How much do you want invest?

Bitcoin logo BTC
Please enter your investment amount
Enter the total sum you would like to invest. You can enter your deposit amount and deposit currency type and then choose which cryptocurrencies / fiat currencies you would like to invest in on the next screens.

Do you only want to invest in Bitcoin?

Please select an option
By considering other potential investment currencies you can significantly increase your interest rate. Some of these currencies may be higher risk than your initial deposit currency.

Do you want to include DeFi investments?

Please select an option
DeFi investments involve the deposit of crypto into a decentralised exchange fund known as a liquidity pool which allows the exchange to offer instant exchange on crypto. In return you receive interest on your deposit. DeFi interest rates are higher than those found on centralised platforms, but they are more complex and higher risk than centralised platforms and are only suitable for advanced crypto users.

Minimum Total Value Locked (TVL)

USD
The Total Value Locked (TVL) of a DeFi product is the total amount of crypto that has been invested in that product. A higher TVL indicates that a alrge number of investors are using and trusting that product.

Which other currencies would you consider investing in?

For the broadest selection of savings account options it's best to keep all currency options ticked.

Would you consider investing in platform loyalty cryptocurrencies?

Please select an option
Many platforms offer attractive enhanced interest rates on all your investments if you invest a minimum amount of your portfolio in the platform's own cryptocurrency. Investing in the platform's own cryptocurrency is a bit like buying shares in the platform and could be viewed as investing in the potential future success of the platform. However you need to balance this against the risk that the value of the platform's cryptocurrency could drop compared to your investment currency.

Would you accept interest payments in loyalty cryptocurrencies?

Please select an option
Some platforms will offer you increased staking yields if you accept your interest paid out in the platform's loyalty token. Alternatively you may prefer to only receive your interest payments in the same currency as you deposited.

How long are you willing to lock up your money for?

Longer term accounts normally offer higher interest rates.

How much do you want to diversify your portfolio?

It's a good idea to diversify your portfolio across multiple platforms so that you are not over exposed to the risk of failure of one individual platform.
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Total Investment Amount
Bitcoin logo BTC
Investment Preferences
Min TVL  USD
Maximum term
Diversification
Wizard
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Product Term Deposit Amount Payout Rate Annual Interest
Optimizing Portfolio
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Allocation by Notice Period

It's a good idea to have some of your investment easily accessible on instant access terms, and the remainder invested in a notice account to get higher staking yields.

Portfolio Diversification by Platform

It's a good idea to diversify your portfolio across multiple platforms so that you are not over exposed to the risk of failure of one individual platform.

Portfolio Value Over Time

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  • 30D
  • 90D
  • 1Y
  • 5Y
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Optimisation Action List

Important Message Definda does not provide any financial advice. All information is provided for research purposes only. DeFi is a rapidly evolving industry. Most businesses in the sector are very young and it is possible that some of them could go out of business in the future. Such an event could result in the loss of your investment. You should do your own research or consult a financial advisor before investing any money. Please read and satisfy yourself with our terms before continuing to use our website. We offer a free impartial comparison service of savings, loans and other DeFi products. We may receive a small commission from some of the companies listed, but this never influences our rankings. If you spot any errors in the information listed then please contact us at info@definda.com.

What Does the Crypto Staking Yield Optimiser Do?

The Definda Crypto Yield Optimiser is a tool for calculating the optimum strategy for investing a given fixed investment sum in crypto both centralised and decentralised crypto platforms in order to generate a return. The tool will take your investment preferences and determine the amount that you should invest in each platform in order to earn the best monthly interest, whilst keeping your portfolio diversified.

How Does the Crypto Staking Yield Optimiser Work?

The advisor considers many different factors in determining the optimum portfolio. It works by reviewing thousands of crypto investment products stored in our database and calculating the total return based on allocating different proportions of the total investment amount into each of these products. You can see an example of the output of the algorithm below.

 

What Factors Does the Algorithm Consider?

Determining the optimum portfolio manually is complex as there are many different potential yields, loyalty levels and potential investment currencies to consider. The Definda Crypto Portfolio Optimiser considers the following factors when determining the optimum investment strategy:

Centralised vs Decentralised

The algorithm looks at both centralised and decentralised crypto investment products. The centralised products on platforms such as Nexo tend to be lower risk, but with lower returns. The decentralised products are mainly on decentralised exchanges (DEXs) and involve investment in specific currency pair liquidity pools. Investments in DEXs tend to be higher risk but also higher return.

Tiered Interest Rates

Centralised crypto platforms are increasingly using tiered interest rates on their investment products. These products provide a high savings rate on small deposits and gradually decreasing interest rates for higher deposits. By spreading your investment across multiple platforms you can collect all the best high savings rates from each platform. Our algorithm will spread your portfolio across a number platforms in accordance with your risk preference.

Loyalty Levels

Many centralised platforms have loyalty programmes that reward you for holding part of your portfolio in the platform's own crypto currency. In return you can earn a higher rate of interest on all your savings deposits. Our algorithm considers whether it is worth investing part of your portfolio in loyalty tokens in order to maximise your overall return.

Investment Currency

Each platform offers many different savings account currencies. Different currencies often attract different savings rates. Our algorithm will look through all the available currencies on each platform and work out which currencies can offer you the highest overall yield. It is important to remember that some currencies are higher risk than others, and that a currency offering a higher interest rate may be at a higher risk of devaluing when compared to your original investment currency. You can choose which currencies you are willing to consider under the investment preferences section, and if you want to reduce your risk you can restrict the algorithm to only allow investments in your original currency.

Payout Currency

Some platforms allow you to receive your interest payments in a different currency to the currency that you deposited. In particular the platform may offer you a higher interest rate if you accept your interest payments in the platform's own token. Our algorithm looks at the different payout options on each platform and works out whether it is worth receiving your interest in that currency instead.

Account Limits

A few platforms have account limits, both in terms of the amount that can be invested in a particular currency and the maximum investment across the whole platform. Our algorithm will consider these limits when allocating your portfolio.

How to Use The Tool to Track Your Portfolio?

You can also use this tool to track your portfolio. You can record how much you have deposited on each platform and in what currency. The tool will then show you your total portfolio value and the interest you are earning.

The tool will save your portfolio to your local web browser so that this page will stay updated with your portfolio even after you close your browser down. You do not need to provide any personal details and your portfolio entries are not stored on our servers. This way your portfolio details remain completely anonymous.

To get started, just select "Manual Entry" at the top of the screen and then enter each of your platform deposits row by row in to the calculator.

Frequently Asked Questions

QWhat is a Crypto Robo Advisor
AA robo advisor is a system that takes your investment preferences and automatically generates investment strategy to optimise the balance of return vs risk management based on your preferences.
QWhat is the Wizard?
AThe Wizard makes it easier to enter your investment preferences by breaking the investment decisions down in to simple step by step questions. The answers to these questions will then be entered in to the overall optimisation settings box. From here you can subsequently tweak any of these settings and rerun the optimiser.
QCan I change my settings after running the wizard?
AYes, after running the Wizard your can see all of your settings in one box. Any of these settings can be changed and the optimiser rerun. Alternatively you can rerun the wizard to change your settings.
QCan I manually enter my investments?
AYes, if you prefer you can manually enter each of your investments row by row into the calculator. You can also change any of the rows after they have been generated by the optimiser.
QWhy should I diversify my portfolio?
AThere are many reasons why diversifying your portfolio is a good idea. Spreading your investment across a number of different platforms in different countries spreads your risk against being unable to access your funds due to an outage on one of the platforms. There is also the possibility that regulators will require a platform to temporarily stop sending and receive all funds, or seize specific funds on the platform.
QHow is my data stored?
AYour data is stored as a local storage object on your web browser. Your data is not stored on our servers. The web browser local storage allows your computer to remember your settings next time you visit this page.
QIs my data anonymous?
AYes, you do not need to provide any personal details in order to use this tool. We require no email address, name or any other personal identifying data to use this tool.
Matt logo
Article by Matt
1 February 2021 (Updated 30 March 2023)

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