APR vs APY — Why the numbers lie if you don’t read carefully
Many beginners choose crypto Earn products only by looking at high APR.
That’s a mistake.
APR = simple interest (no compounding).
APY = interest + compounding effect.
If rewards are paid daily or weekly, APY usually gives better real returns.
Always check payout frequency, not just the percentage shown.
Smart investors compare time + compounding, not hype.
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