The first thing I'd check in Grvt Earn is how I get my money back. @grvt_io plans to introduce upgraded Earn strategies in late October, targeting yields of up to 11%. That is a target, not a guaranteed return. Before judging the offer, I'd want three things clear: - How long a redemption takes - What an early exit costs, if available - What happens when many users want to withdraw at once Those details would tell me more about where Earn fits than the headline rate alone. Money reserved for near-term needs has different requirements from capital I can leave invested. Making fixed-income strategies easier to access is worth exploring. The withdrawal terms will help determine who they actually suit. For me, predictable access to capital would matter more than the highest advertised yield.