🔒 Background Checks for Savings Protocols: The 2026 "Clean Slate" Strategy
In 2026, the 10-30% APYs we discussed aren't just "given"—they are earned through rigorous vetting. The era of blind trust in a slick UI is dead. Before you deposit a single Satoshi into a savings protocol, you need to run this 3-Tier Background Check.
1. The Security Audit "Health Score"
An audit isn't a one-and-done event; it’s a living document.
The "Gold Standard" List: Look for recent (post-2025) audits from CertiK, Hacken, or Quantstamp.
Real-Time Monitoring: Check the protocol’s "Skynet Score"or "Astra Pentest" dashboard. In 2026, top-tier protocols have "Continuous Monitoring" enabled—meaning they are scanned for vulnerabilities every time a new block is added.
2. The Reserve & Compliance Ledger
In the post-MiCA and post-DAC8 world, transparency is a requirement, not a feature.
Segregated Custody: Does the protocol pool your funds into a "black box," or do they use "segregated accounts"? 2026 regulations now push for individual position registers that an auditor can test.
Proof of Reserves (PoR): Use on-chain tools like Chainlink Proof of Reserve or MistTrack to verify that the platform actually holds the collateral they claim. If you can't see the wallet, don't send the funds.
3. The "Yield Origin" Audit
Where is that 20% APY actually coming from?
RWA Backing:If the yield is labeled "Low Risk.
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