APY Stability
63.8% variation90-day coefficient of variation of observed supply APY. 90 observations.
MarketsYield
Fluid Lending 路 Ethereum 路 Unknown
USDTB 路 Provider-indexed permanent pool record
Explainable analysis
90-day coefficient of variation of observed supply APY. 90 observations.
Rule-based signal using available-liquidity ratio, utilization and 90-day TVL change; it is not a safety rating.
Base supply APY divided by total supply APY. Reward APR is incentive yield, not organic yield.
Reserve and vault architectures are identified separately. Headline Ethereum lending metrics do not sum these rows, preventing pool and vault capital from being counted twice.
Indicators are descriptive, rules-based research aids鈥攏ot protocol audits, safety ratings, or financial advice.