## What Many People Ignore in Staking and Yield Farming

Back in the old days whenever someone said HODL my reply was why not just stake instead and earn some interest? That is true if the coin we stake will go up in value. However, many people did not think of what happen if the coin value go down? For example, you have 100 coins worth \$1 each (\$100 worth) with interest annual percentage rate (APR) 30% a year:

• With APR 30% you will have 100 + 30 = 130 coins at the end of the year.
• If the price drops more than APR 30%, you lose for example 130 coins costs \$0.6 (price drops by 40%) is worth 130 * 0.6 = \$78. Profit/loss \$78 - \$100 = -\$22
• If the price drops slightly below APR you still win for example 130 coins costs \$0.8 (price drops by 20%) is worth 130 * 0.8 = \$104. Profit/loss \$104 - \$100 = \$4
• If the price stays you win ofcourse. 30% APR is \$130 where profit/loss \$130 - \$100 = \$30.
• If the price goes up is the best situation. Not only your investment when up but you also earned interest. Still the best investment is ofcourse the one with the highest profit. For example, which do you prefer? Buy Fairmoon on 30th March 2021 or buy and stake Ape Swap Banana?
• I bought 200 Ape Swap Banana at \$0.5 (\$100 worth of investment) and the APR on its pool is 266%, and then the price goes up to \$1. 200 Banana 266% is 532 Banana so the total is 200 + 532 = 732 then * \$1 which all worth \$732 and the profit/loss is \$732 - \$100 = \$632.
• Buy \$100 Fairmoon at \$0.00015 on March 30, 2021 where we will get 666666 Fairmoon. 3 days later, the price goes up to \$0.02 which is \$0.02 - \$0.00015 = \$0.01985, divided by \$0.00015 = 132 then time 100% = 13200%. Anyway the 666666 Fairmoon * \$0.02 is now worth \$13333 where the profit/loss = \$13333 - \$100 = \$13233.
• Comparing both profit, buying Fairmoon early \$13233 - \$632 = \$12601 more profitable than buying and staking Apeswap Banana. (Disclaimer: this is just historical example and not financial advice for example if Apeswap Banana will go up to \$20, 732 * \$20 = 14640, ofcourse it is better to buy and stake Apeswap Banana)

## Issue With Many New Players

Now, the problem is the new players in crypto. For old timer like us, we are used to do our own research (DYOR) such as check the fundamentals, check the sentiments, and finally check the technical analysis of a coin. If there is potential, then buy the coin. Majority of new players probably does not bother doing there own research and even if they did, we still wonder if they are able to handle the volatility of the market. 10% - 20% up and down a day is normal in crypto but those new players most likely will have a heart attack after seeing their investment (or gamble) down by 10% the next day and panic sell. The day later, they cry because their gamble that they sold went up by 50%. When I became known to be in crypto, most of the people who came to me want to give me money and use them to invest in crypto on their behalf.

1. Learning to invest in cryptocurrency takes time for those who are not computer literate.
2. Some are just to lazy to learn and just want to leave their money to me hoping to profit together.

## The Safe Plan I Found

Therefore, for these people, I search some plans of low risk investments in crypto and one of the answer I found is yield farming using stable fiat coin. Yield farming in crypto is providing liquidity and get rewarded in fees plus some tokens. It is called farming because the coins we plant generates crops. For those of you who still do not understand, just think of it as a certificate of deposit (COD) that generates interest in another currency for example we deposit Dollar and we get interest in Yuan. Like staking, yield farming is not profitable if the interest does not cover the loss of the asset's value (the coin goes down in price). However, there are farms now where we do not need to risk our investment in volatile coins but use fiat stable coins as the seeds to grow some yields.

Yield farming started during the decentralized finance (DeFi) craze in 2020. For example, we can just supply some dollar stable coins such USDC and DAI and earn interest plus farming their COMP token. Why did I not start back then but only now? The fees on Ethereum became crazily expensive for for average people. Imagine paying \$50 to deposit then another \$50 to withdraw. This is because of Ethereum scalability issue with only a dozens of transaction per second because they are focusing more on decentralization and security. The more users came, the more users wait and they do not like waiting so what do they do? Rich people who farms hundred thousands of dollars, millions of dollars, are willing to pay thousands of dollars of fee. A thousand dollar is like a snack to them. What about average people like us? We are only willing the pay a few dollars and how long must me wait until a miner serve us? Maybe forever because there are always people willing to pay more?

Good news for average people like us this year there are Layer 2 Ethereums and other alternatives such as Binance Smart Chain, Avalanche, and Wan Chain that ranges the fee from almost 0 to most expensive as 20 cents. We can profit in farming with only just a hundred dollar. Other than that, what are these stable coin farming are useful for?

1. Generate yields on our stable coins while we are doing our own research (DOOR) waiting for our next investment.
2. Lower risk plan for high net worth individuals with better returns than the traditional financial system. If you are living in developed countries, you will be lucky finding a deposit interest rate of 1% and if you are not lucky, the interest rate is negative meaning that you are losing money instead. In developing countries, you may find 5% of interest rate. In mutual funds and government bonds, you are lucky if you can find 10% APR. Today's yield farming using fiat stable coin cryptocurrency guarantees a rate above 10% where for now I saw 20% - 100% APY.
3. A safe plan for other people who wants to put their money in you because they are too lazy to do crypto themselves. Before I found this safe plan, I always reject them because crypto trading is more risky than stock trading. Although I won thousands of dollars but there are bear markets where I lose thousands of dollars as well. Now with these low risk plans that I found, I am starting my investment firms for those who kept bugging me to take their money and help them invest it.
4. Face it, the world we are living now almost everything is valued in fiat such as USD. Not only we buy goods and services using USD but most of us earn our wages in USD which is why eventhough I like the term 1 BTC = 1 BTC but it is too selfish to use. Not all people can earn in BTC and even if they can, not all of us can use BTC to buy foods and drinks. Lets be realistic that most of us do not measure the value of a coin in BTC nor XAU but measure them in USD. If the value in USD goes down is a loss and if the value in USD goes up is a profit. Then what about yield farming using fiat stable coins? Theoretically, we can never lose because the coin value remains stable to the USD and we earn interest plus yield unless the fees are high.

Before I continue, while the calculator shows no risk because it is USD generating interest and yield but becareful with the platform because malicious platform can steal our money. For now top well known platforms such as Venus Protocol, Pancake Swap, and Ape Swap are reliable and maybe some other audited platforms as well such as Conveyor Belt. Other than that, becareful of other platform for example Turtle DEX was said to be rug pulled where people putting their money there lost them.

## Polygon/Matic

### Quick Swap when \$150/QUICK

• maUSDC-USDC: 31.58% in QUICK

### Cometh Swap when \$199/MUST

• maUSDC-USDC: 51% in MUST

## Wan Chain

### Wan Swap when \$0.379/WASP

• wanUSDT-wanUSDC: 47% in WASP

## Binance Smart Chain

• USDC: 9.56%
• USDT: 4.1%
• DAI: 5.73%
• BUSD: 9.71%

### Pancake Swap when \$17.5/CAKE

• USDC-BUSD: 19.2% * 0.5 in CAKE
• USDT-BUSD: 12.89% * 0.5 in CAKE
• DAI-BUSD: 20.56% * 0.5 in CAKE
• VAI-BUSD: 27.46% * 0.5 in CAKE
• UST-BUSD: 24.19% * 0.5 in CAKE

### Ape Swap when \$1/BANANA

• USDC-BUSD: 58.79% * 1.5 in BANANA

### Bakery Swap when \$1/BAKE

• BUSD-USDC: 29.03% in BAKE

### Conveyor Belt when \$100/BELT

• BUSD, USDC, USDT, DAI: 65.95% in BELT

### Pancake Bunny when \$264/BUNNY

• VAI-BUSD: 73.44% in BUNNY
• VAI-BUSD Cake Maximizer: 102.78% in CAKE and BUNNY
• USDT-BUSD: 43.46% in BUNNY
• USDT-BUSD: 29.66% in KEBAB

### JulSwap when \$0.15/JULD

• USDT-BUSD: 30.93% in JULD

### Hyperjump when \$1.2/ALLOY

• USDT-BUSD: 62.01% in ALLOY

### Kebab Finance when \$2.25/KEBAB

• USDC-BUSD: 35.61% in KEBAB
• USDT-BUSD: 29.66% in KEBAB
• DAI-BUSD: 36.47% in KEBAB

### Spartan Protocol when \$1.22/SPARTAN

• BUSD: 170.13% in SPARTAN
• USDT: 170.56% in SPARTAN

### DODO when \$3.7/DODO

• BUSD-USDT: 40% in DODO

### Swamp when \$124/SWAMP

• USDT-BUSD: 67.49% * 0.5 in SWAMP

### UBU Finance when \$0.38/UBU

• USDT: 152.92% * in UBU

### Goose Finance when \$26.159/EGG

• USDT-BUSD: 75.25% * 4 in EGG (Deposit Fee 1.5%)
• USDC-BUSD: 60.37% * 4 in EGG (Deposit Fee 1.5%)
• DAI-BUSD: 95.26% * 4 in EGG (Deposit Fee 1.5%)
• BUSD: 77.61% * 2 in EGG (Deposit Fee 1.5%)
• USDT: 79.64% in EGG (Deposit Fee 1.5%)
• USDC: 80.50% in EGG (Deposit Fee 1.5%)
• DAI: 86.22% in EGG (Deposit Fee 1.5%)

### Salt Swap when \$0.369/SALT

• DAI-BUSD: 52.6% * 4 in SALT (Deposit Fee 1.5%)

### Slime Finance when \$3.304/SLIME

• USDT-BUSD: 109.54% * 2 in SLIME (Deposit Fee 4%)
• USDT-BUSD Slime LP: 61.42% * 2 in SLIME (Deposit Fee 4%)
• DAI-BUSD: 57.58% * 2 in SLIME (Deposit Fee 4%)
• BUSD: 65.07% * 1.5 in SLIME (Deposit Fee 4%)
• USDT: 62.91% in SLIME (Deposit Fee 4%)

### Blue Finance when \$4/BLUE

• USDT-BUSD: 54.43% * 16 in BLUE (Deposit Fee 2%)
• BUSD: 83.92% * 16 in BLUE (Deposit Fee 4%)
• BUSD Purple Layer: 275.35% * 12 in PURPLE (Deposit Fee 4%)

### Many Swap when \$0.28/MANY

• BUSD: 508.52% in MANY (Deposit Fee 4%)

### Thunder Swap when \$4.77/THUNDER

• DAI-BUSD: 394% in THUNDER (Deposit Fee 4%)
• USDT-BUSD: 356% in THUNDER (Deposit Fee 4%)
• USDC-BUSD: 399% in THUNDER (Deposit Fee 4%)

## More Platforms Will Definitely Come

Leave a comment if you know more platforms and I will include them in the next post.

## Presearch for New Users

Presearch is search engine like Google, Yahoo, and Bing with difference that it is decentralized and powered by cryptocurrency technology. For new users, it is enough to just know the following information:

## Interested in More?

• Normally, I would ask to check their twitter and telegram first but now is more interesting to check their Publish0x posts first where their username is @Presearch because you can do both tip them and yourself in cryptocurrency pennies while reading them. An example information that you can find here is that Presearch is Hiring for staffs in Twitter, email, Reddit, Bitcoin Talk, Parler, and Quora.
• Unless you are a gambler, if you are serious in crypto, you should at least check Twitter frequently for news so do follow their Twitter which is @presearchnews. For example, you can find schedules of their ask me anything (AMA) sessions, participating in node testing, and news that they are listed on Uniswap which is bullish since the big moneys are in decentralized finance (DeFi) now.
• Next is their Telegram @presearch where news usually spreads the fastest on Telegram but the problem with telegram is that it is the home of scammers where I already received hundreds of messages from strangers and in the early days I tried to reply to some of them and all them offers shady investment platforms where I could really lose my cryptos if I deposit there.
• If you have cheap Internet connection, you may want to watch or just listen to their Youtube channel but I will be honest that I am not interested in their Youtube but what I am interested is their Odysee or LBRY channel which is to be the decentralized video platform that also rewards us in LBC for watching and performing other tasks

## Interested in Investing?

Unless you are planning to invest or to develop, you probably do not need anymore information except that Presearch is to be a decentralized search engine governed by the community. There is no harm in using it and even more you are rewarded with PRE tokens for using it. If you want to invest which is buying the PRE tokens, then you need dig deeper.

### My Opinion on Their Integrity

Presearch started in 2017 with one man, then two, then three, the next year became 12, and finally became many (cited from the beginning of their whitepaper). Not only that they survived for 4 years but they also showed growth, they have actual product and thus my opinion is that they are here to stay. Their team web page have their Linkedin accounts showed which is somewhat more trusted accounts in the career ecosystem. While that alone is not enough to put our trust but here some additional information that I found from D&B Business Directory which may help with our investigation:

• Company Name: Presearch.org Global Limited.
• Phone: (705) 321-7822.
• Company Description: Presearch.org Global Limited is located in Midland, ON, Canada and is part of the Information Technology Services Industry. Presearch.org Global Limited has 12 total employees across all of its locations and generates \$2.07 million in sales (USD).
• Key Principle: Colin Pape.
• Industry: Information Technology Services Professional Services Sector Computer software development Advertising agencies.

### As a Developer

Their engine is not yet open source but they will be they said and they have to be soon if they really plan for further decentralization. For now, there are two codes worth looking at on their Github which are Presearch Packages and the PRE Token Solidity Smart Contract along with its Audit Report. Through Presearch Packages, we can contribute more rich search results for example math package triggered when someone searches for 5 * 10, currency package triggered. when someone searches for two currencies (500 cad to usd), and color picker triggered when someone searches for color picker. For the deployed smart contract is best to see through Etherscan and we can see the holders of the token as well.

Their first step of decentralization is that they allowed us to run nodes with limited functions now. While nodes on giant private corporations like Google are owned solely by them, Presearch now allows anyone to run a node and even rewarded with PRE tokens for the work. When a user search, the user will connect the best node based on latency etc to tell the node to retrive search results. In short, we can start participating in decentralizing Presearch but not all functions are decentralized now but they claimed to be releasing the decentralization in phases.

### Token's Fundamental

The naratives alone which are decentralized search engine powered by crypto technology is already enough for people with their pockets filled want a sense of ownership on Presearch by buying its token. If we ask random young investors who invested in Apple and Microsoft stocks, probably most of them does not know about dividends, their right to participate in votings, and the perks they may have if they become a major share holder. Most would answer, it's just cool owning those stocks and the sense of fulfiness of being part of something big. Today, Preseaarch not only survived for 4 years but also have a well documented roadmap.

1. Choose a keyword for example "cryptocurrency for users".
2. Stake PRE for example "1000".

Though we must not forget the very basis of this fundamental that advertisements are useless if there are no users or viewers. All the people I met physically does not use Presearch. If they are not there, how will advertisers be attracted to spend their money to put advertisements? Although the search rewards, the node rewards, and all other basically free token giveaways have negative impact to the price, they are also ways to attract more users, so it is two way or a cycle. Therefore, the front end of the search engine is very important for example, I prefer to use Presearch when writing a cryptocurrency name as a widget is immediately shown from coingecko the price analysis of the coin but when searching for "time in UTC", I prefer to use Google as it shows immediate the time in UTC.

### My Strategy

If I did my research in the beginning of this year, I would have seen the price as very undervalued and I would have dared all in. However, I was too late now that the priced already pumped. Although based on the fundamentals the it can potentially greatly increases. However, Google still one sided dominates the search engine ecosystem based on the number of users which I think is not enough to have big players place advertisements on Presearch. With the price already pumping in this condition, the price will highly likely drop if the bull market ends and when there is no significant growth. While Google is only the cause of stagnancy, the only threat for Presearch is only another decentralized search engine, especially where we can just use Metamask to stake and unstake. For now, my strategy is to DCA \$5 - \$10 in every consolidation in Kucoin.

## How to Start

You do not need to know about complicated technical knowledge. You do not need to learn about decentralized finance (DeFi) to start eventhough it is best to be integrated in the future. To start, you only need to:

1. Visit Upland: https://r.upland.me/NAts.

My video above only took 2 minutes:

• 00:00 Upland website
• 00:10 Upland registration
• 00:50 Getting Started
• 01:35 For now only San Francisco and Fresno
• 01:40 Chose Fresno

## Mobile Complete Tutorial

In contrast to the desktop short getting started guide, if you access the dapp using a mobile device, you will get a much more detailed tutorial complete with animation. If you want to see this tutorial on desktop or again on mobile go to menu > settings > tutorial. Yeah, some of us are too lazy to try Upland or watch my video, so I rewrote the tutorial text fo you people here:

• 00:00 Upland Tutorial
• A Virtual Property Trading Game That's Smashing The Boundary Between The Real and Virtual World.
• We've turned Earth into a global game board, and are inviting you to join the ownership revolution, where you no longer just play for fun, you play to own.
• You can always change your block explorer's appearance later.
• Your explorer will roam Upland on its own.
• But there are different ways for you to alter its location.
• Like sending it to your own properties.
• Once you've chosen your explorer.
• Collect your UPX signup bonus to get started with Upland.
• Click on the Parcel to see the property's detail.
• Click the buy button to acquire the property.
• Check out your property title.
• Where you can verify your ownership on the blockchain.
• Now that you own a property in Upland,
• Click the UPX award icon and then tap each pile of UPX
• But you can also boost your UPX earnings
• By placing your property in collections!
• 02:35 Completing Collections
• Click on the collections button on the bottom menu.
• Click the edit collection button
• and then click the property to place it in the collection
• When you complete collections, you win a one time install reward
• And as long as your properties are kept in the collection
• You will enjoy a boost on their UPX earnings!
• As a visitor to Upland, you are on a journey to become an Uplander
• Until you become an Uplander, make sure to stamp your VISA
• Once you reach a net worth of 10000 UPX
• You will officially become an Uplander with full rights
• and enjoy true ownership of your assets in Upland forever!
• with other Uplanders in the marketplace!
• and enjoy true ownership of your assets!
• 04:32 Login to my account
• 05:00 Exploring Upland on Mobile

## Content Creation

### Videos

• LBRY: LBC 9.20170501 â‰ˆ \$3.5025093898913697

### Images

• Filearmy: BTC 0.00000003 â‰ˆ \$0.0013

### Cointiply

• Survey, faucet, etc.: \$0

### Referrals

This month I received many Netbox referral rewards unlike other months which are purely activities so thanks for using my link! Currently the quantity is too much to handle when the value I earned is not much. So I may report this on a separate article.

## March 2021 Income â‰ˆ \$121

Like last month, the hundred dollar is probably due to the bull market and not due to my hard work because this month I wrote far less than previous months. Usually, I needed to write at least once a day to reach \$100. Well this does not apply to everyone. My articles are not top grade articles which is why posting once a day is needed to reach \$100. Top articles probably can make hundreds of dollars.

Eventhough I wrote much less but I was very happy this month as I added more professions into my list. I officially added crypto gem hunting and yield farming into my daily routine. Sometimes, I was lucky to take some arbitrage trading opportunities. I was very stressed because I did not achieve my target of greatly multiplying my portfolio because I wanted to use them as collateral to my families and friends to start my personal startup or at least my independent job. Collateral here means that they will not bother me anymore to find an official employment. I did not reach that goal, but I should be grateful that I profit another 100 months of average salary here this month.

However, this month I have made my determination to charge through the walls despite not reaching my personal goal which was to win 1000 months worth of average salary. If you read my last month report, I already have the intention last month which is to go full with my independent jobs meaning that I will not seek employment in any company. This month, I intend to fully realize that where for now my independent professions are blogging, gem hunting, yield farming, and arbitrage trading. In the future, I want to do more content creating like Youtube and NFTs, build applications related to cryptocurrency portfolio, writing novels, and hopefully I can build a startup and gather teams for it.

## Donation

Personally, I enjoyed being a full time independent content creator very much and I once again thank the platforms, investors, donators, and viewers for making my venture possible through donations, tippings, and upvotes. If you enjoy and/or want to further support my work you may choose more form of donation:

Animation Source Code

## Early Decentralized Exchange on Ethereum

Thanks to decentralized exchanges, we can enjoy convenient trading without custody and know your customer (KYC). With Uniswap, trading becomes much more simpler with just the press of the button. Unlike centralized exchanges (CEX) where we need to:

1. Register and verify our email address.
2. Today, binding phone number for identity.
3. Setting 2FA for security.
5. Sometimes, proof of address for very strict exchanges.
1. Choose a token and swap.

after:

1. Installing a web3 supported wallet like Metamask or Trust Wallet.
2. Filling the wallet with the native cryptocurrency for gas fee which is Ethereum in this case and any token we want to exchange.
3. Click the connect button to connect our wallets.

## Decentralized Exchanges Outside of Ethereum

### Binance Smart Chain

The following DEXs are on Binance Smart Chain ecosystem with all transactions paid in BNB. Note that it is different from Binance Chain ecosystem where the address starts in bnb..., this ecosystem uses the same address as Ethereum. Therefore, you can use Metamask by just switching networks:

Disclaimer: do not trust even me easily, always check their official website for example https://academy.binance.com/en/articles/connecting-metamask-to-binance-smart-chain because you may get your fund stolen if you use a malicious RPC (please correct me if I am wrong).

Still, I prefer to use the Binance Chain Extension as it provides cross chain transactions between Binance Chain (bnb....) and Binance Smart Chain (0x....).

### Other DEXs

The following DEXs originally just Ethereum DEXs but are integrating Binance Smart Chain into them:

### Tron

There are other Tron DEXs other than Just Swap but they are still using traditional order book:

### Neo

There are other DEXs which uses traditional orderbook: