3.5% and 11% tell two different stories about @grvt_io. and I think understanding that difference matters more than chasing the larger number. Grvt already has an Earn on Equity system where eligible USDT and USDC balances can generate a 3.5% base APY while remaining usable for trading. the upcoming Grvt Earn expansion introduces another layer: tokenized fixed-income opportunities targeting up to 11% APY on eligible assets. that higher figure isn't a universal rate or a guaranteed return. different underlying strategies can carry different credit risks, liquidity conditions and income expectations. what interests me is how Grvt is trying to connect these opportunities with active trading instead of forcing users into separate financial accounts. but real capital efficiency should also come with informed choices. I'd rather understand how a return is generated, what risks support it and when capital can be accessed than judge an entire product by its highest advertised APY.