Yield Optimization

Total Capital: $100,000 USDC

Laddered Orders:
├── $25,000 @ 8.5% (aggressive - may take days)
├── $25,000 @ 8.0% (market rate - hours)
├── $25,000 @ 7.5% (below market - quick fill)
└── $25,000 @ 7.0% (very conservative - instant)

Result: Blended ~7.75% with most capital deployed quickly

Total Capital: $100,000 USDC

Maturity Ladder:
├── $25,000 @ 30 days (short-term)
├── $25,000 @ 60 days
├── $25,000 @ 90 days
└── $25,000 @ 180 days (long-term)

Result: ~$25,000 matures every 30-60 days

Current Rates (90-day):
├── USDC: 7.5%
├── USDT: 8.0%
└── DAI: 7.8%

Strategy: Lend USDT for +50bps over USDC

Total Capital: $100,000

Allocation:
├── $70,000 in Vault (hands-off, diversified)
└── $30,000 Direct (your rate, your terms)

Why: Get vault benefits while keeping some capital for opportunities

CBT fair value: $0.970
Market price: $0.960 (1% discount)
Buy 10,000 CBT for $9,600

At maturity: Redeem for $10,000
Profit: $400 (4.2% return for 90-day hold = 17% APY)

Initial: $10,000 at 8% for 90 days
  Quarter 1: +$197 → $10,197

Auto-roll at 8%:
  Quarter 2: +$200 → $10,397
  Quarter 3: +$203 → $10,600
  Quarter 4: +$207 → $10,807

Annual return with compounding: 8.07%
vs. Simple interest: 8.00%

Target Rate: 7.5% minimum

If market rate is 7.8%: Rolls at 7.8%
If market rate is 7.2%: Returns to wallet (below target)

Borrow Demand:
8.5%: $50,000  ← Low demand
8.0%: $200,000 ← Good demand
7.5%: $500,000 ← High demand

Your best bet: 7.8-8.0% for quick fill with good rate