# Finding Low-Risk Yields *Author: Bankless* *Published: Nov 20, 2025* *Source: https://www.bankless.com/read/finding-low-risk-yields-2* --- [![](https://storage.ghost.io/c/e4/b7/e4b77544-5a37-4f0b-8824-8440aa348476/content/images/2025/11/image---2025-10-20T171927.770.png)](https://www.bankless.com/sponsor/bit-digital-1760557744?ref=read/finding-contagion-proof-yields&email=true) Finding Low-Risk Yields Published on Nov 20, 2025 [ View in Browser ](https://bankless.com/read/briefs) --- [**Sponsor: Bit Digital**](https://www.bankless.com/sponsor/bit-digital-1760557744?ref=read/finding-contagion-proof-yields&email=true) — ETH treasury that combines the two greatest assets of our time: ETH & AI. [Learn More](https://www.bankless.com/sponsor/bit-digital-1760557744?ref=read/finding-contagion-proof-yields&email=true) .  .  . NEED TO KNOW Samourai Founders Sentenced [![](https://storage.ghost.io/c/e4/b7/e4b77544-5a37-4f0b-8824-8440aa348476/content/images/2025/11/Group-20--3--1.png)](https://www.bankless.com/dashboard)- **🧑‍⚖️ Samourai Wallet Co-Founders Sentenced to Prison.** The wallet's CEO and CTO were respectively [sentenced](https://www.bankless.com/read/news/samourai-wallet-co-founders-sentenced-to-prison) to five and four years in prison. - 💸** Coinbase Adds $ETH Collateral to Loans. **Coinbase [expands](https://www.bankless.com/read/news/coinbase-adds-eth-collateral-to-loans) its crypto-backed loans by adding $ETH as collateral, with staked $ETH soon to come. - 🇺🇸 **Rep. Davidson Bill: 'Pay Taxes in Bitcoin to Grow U.S. Reserve.'** Davidson [introduced](https://www.bankless.com/read/news/rep-davidson-bill-pay-taxes-in-bitcoin-to-grow-u-s-reserve) the Bitcoin for America Act on Thursday. 📸**Daily Market Snapshot: **The total crypto market cap dropped below $3 trillion Thursday as BTC (-4%) and ETH (-5%) took major hits on a rough day for markets broadly. Prices as of 6pm ET 24hr 7d ![](https://banklesspublic.b-cdn.net/cmc.png) **Crypto** $3.00T ↘ 3.2% ↘ 10.2% ![](https://banklesspublic.b-cdn.net/btc.png) **BTC** $87,540 ↘ 4.0% ↘ 12.5% ![](https://banklesspublic.b-cdn.net/eth.png) **ETH** $2,870 ↘ 4.9% ↘ 11.6% .  .  . CHEAT SHEET Aztec at Last *Once a week, Citizens get access to the top Market Plays, Hot Reads, Farming Opps, and Airdrop Hunts that our analyst team is tracking! Don't miss out!* 👇 [Become a Citizen](https://www.bankless.com/join) .  .  . PLAY OF THE WEEK Finding Contagion-Proof Yields Bankless Analyst: [ Jack Inabinet](https://www.bankless.com/author/jack) [![](https://storage.ghost.io/c/e4/b7/e4b77544-5a37-4f0b-8824-8440aa348476/content/images/2025/11/image--39-.png)](https://www.bankless.com/read/finding-contagion-proof-yields)Crypto yield markets have assumed a notably heightened risk profile over the past month following a slew of lending market mishaps, making it more important than ever to understand the mechanics behind the farms you’re depositing into. Today, we’re breaking down five of the most popular crypto yield opportunities that exist, weighing the risk versus the rewards of each yield generation model. *Read on for core onchain opportunities you can’t afford not to understand *👇 ## 🕰️ Pendle [**Website**](https://www.pendle.finance/)** | **[**Twitter**](https://x.com/pendle_fi) **Best For:** Guaranteed Yield **Risk Level:** Variable **Reward Level: **Low to High  ### About: Pendle is a yield splitting protocol, a special type of DeFi primitive that creates two distinct tokens: principal tokens (PTs) and yield tokens (YTs). The first can be redeemed for an underlying crypto asset at a specified future date, and the second represents a claim to all yield generated from that asset in the interim. Using PTs, Pendle yield farmers can **safely guarantee** their yields until a specified future date, denominated in units of the underlying asset. PT holders can also redeem early by purchasing an equivalent amount of YTs, which can be used in combination to create a liquidity provider position and redeemed for the underlying. While Pendle users are responsible for evaluating the safety of the individual yield markets they deposit into, there is **zero risk of protocol-wide contagion** if the value of any single Pendle-onboarded crypto asset becomes impaired. The Protocol’s smart contract logic is solely responsible for ensuring that users can redeem their tokens for a pre-specified amount of underlying assets, insulating the broader system from any specific asset shocks. [Exponent Finance](https://www.exponent.finance/income) is a popular alternative to Pendle deployed to the Solana Network, yet the benefits of network effects and trusted reputation in this sector are undeniable; Pendle’s lesser known competitor safeguards just 2% of the segment leader’s total value locked. ### Top Yield Opps: Get risky and receive a guaranteed [21% APY](https://app.pendle.finance/trade/markets/0x2092fa5d02276b3136a50f3c2c3a6ed45413183e/swap?view=pt&chain=arbitrum) on sUSDai (a GPU-backed stablecoin) for the next three months, play it safe and lock in [3% APY](https://app.pendle.finance/trade/markets/0xc374f7ec85f8c7de3207a10bb1978ba104bda3b2/swap?view=pt&chain=ethereum) on Lido’s stETH until Christmas Eve, or select another risk-return combination that meets your needs with Pendle’s principal tokens. [Unlock the Full Article on Bankless](https://www.bankless.com/read/finding-contagion-proof-yields) --- --- *This article is brought to you by [MetaMask](https://www.bankless.com/sponsor/metamask-1776260643?ref=read/finding-low-risk-yields-2)* --- *\* Bankless team holds crypto assets and advise crypto projects. [Aztec](https://www.bankless.com/aztec) is included in our disclosures. See our complete investment disclosures [here](https://www.bankless.com/disclosures)*