Grow is a secure plan that offers a minimum of 6% APY. It is powered by Yearn, which optimizes your funds across many DeFi lending partners such as Compound, Aave, and dydx. This leaves your principal more exposed compared to a minimum risk strategy such as Save.

However, Yearn mitigates these risks by overcollateralizing your principal by at least 125% — which means that borrowers must put up $1.25 of digital assets for each $1.00 they borrow. High collateralization covers your principal in case a borrower defaults.

Funds on Yearn are also protected by regular smart contract audits. In addition, Yearn diversifies your digital dollars (DAI) across different strategies within a vault to further minimize risk. Yearn currently safely manages over $2 billion in digital assets.

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