> these companies can't promise you 8% APY without essentially running a ponzi scheme It doesn't mean its a ponzi, but certainly an 8% yield isn't a safe inves

> these companies can't promise you 8% APY without essentially running a ponzi scheme It doesn't mean its a ponzi, but certainly an 8% yield isn't a safe investment, there will be some liquidity/market/credit risk. Hopefully its just liquidity.