"Its flagship product: 10 to 12.68% annual returns on USD stable coins and this with little to no risks." What is more likely that they figured out a way to "h

"Its flagship product: 10 to 12.68% annual returns on USD stable coins and this with little to no risks." What is more likely that they figured out a way to "hack" the financial system to make such returns in a very safe fashion or that they are doing things behind the scenes which may be a little bit sketchy? 10% safe annual returns is a bit high if one thinks that the APY is reflection of how risky the investment is.