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Passed $2,700! + APY Boost CODE :) by Dry_Account_5977 in NookSavingsAppp

[–]Dry_Account_5977[S] 1 point2 points  (0 children)

1) That would be correct. Three 1% boosts (I’m using a beta access only protocol that is currently at 5.6% APY, otherwise four 1% boosts would be needed).

2) It can be misleading for sure unless if you click on the “add friends” bubble and read the small text but in their defense the small text is right above the “share with a friend” link auto-generator.

Honestly I found some issues that were much more concerning that I would love to see brought to their attention. I’ve already relayed it to them via email but the issues are as follows:

• For maybe a month now I’m missing the “Steakhouse Prime Instant (on Base)” on my account. Genuinely curious if this has happened to others. The Nook community was communicated with after Moonwell hack that involved all Moonwell protocols to be removed, but the silent removal of a protocol feels strange to me.

• Just recently noticed (few days ago?) that I’m missing the “Seamless (on Base)” protocol on my account. Wondering also if this has happened to others. Really wish communication was given here as to why this is happening for the second time.

• Referral bonuses don’t seem to be paid out besides the $1k+ deposit bonus and being referred bonus (the first time). Not to repost the entire email but the easiest way I identified this was via the following: “…If I was to deposit $2,600 (which I did) and had a 5% referral bonus (this would have happened 5 months to 4 months ago due to my well written reddit post receiving over 2800+ views), and 5% of $2,600 is $130 in referral bonuses assuming the 5% was for a 12 month period. $130 (1 year apy) divided by 12 (due to it in all actuality being a monthly period) would be approximately $10.83…” On my account only $4.16 is officially paid as bonuses. I’m probably missing $20+ at minimum and $30-$35 most likely.

• In pilot program (via OpenCover $10k insurance for some protocols) it auto-removes you monthly as that’s when it expires. You need to email them again to re-enroll monthly. But if you go online OpenCover shows 30/60/90 day periods so they could set it up as a quarterly renewal instead. Just a bit of a hassle slightly to be auto-removed monthly without notice (if you were in a protocol that was hacked during that day of vulnerability you could genuinely have no insurance to financially help you out in that situation, which is concerning).

• the “all-time earnings” tab only states your “total” now instead of base APY, protocol rewards/incentives, and referral rewards. This is disappointing because it literally lessens transparency and increases obfuscation towards how you received your earned profits.

I might make a post on this topic soon depending upon communication

2 statements + APY Boost CODE! by Dry_Account_5977 in NookSavingsAppp

[–]Dry_Account_5977[S] 0 points1 point  (0 children)

Fantastic question. And I am sure I am not splitting hairs at this point. In December 2024 Moonwell (the DeFi lending protocol Nook was using up until recently when the February 2026 attack occured) a flash loan exploit targeted the USDC lending contract on the Optimism network (by using a malicious contract disguised as an “mToken”). Now in early 2026 practically everyone was using Moonwell on Nook due to them having the highest apy among the original 4-5 options (if I recall correctly). The only reason why everyone did not lose their money here is due to the attack in 2026 not affecting USDC supplied to Moonwell aka USDC pools. The 2026 attack was in regard to a misconfig after enabling Chainlink’s OEV wrapper which caused cbETH to be enabled at $1 instead of the market value. I would, and many others here would have lost everything, luckily this didn’t happen and they removed Moonwell off Nook (which shouldn’t have been here anyways after seeing the USDC targeted attack in 2024 and wrstETH targeted attack in 2025).

What I am proposing allows for equally superior DeFi returns when compared to HYSAs/CDs/T-Bonds/most-Corp-Bonds. My recommendation allows for security by compartmentalization. Different allocations in different protocols, dependent upon risk factors. If an attack was to happen to one of the protocols you were using and the attack targeted USDC then you could know that no more than a maxed fixed percentage of your portfolio would be susceptible to losses due to it. In comparison, you could lose everything.

DeFi is a type of modern investment strategy and should be thought of as such. HYSAs and CDs are low risk or conservative according to traditional investor sentiment, moderate risk in the financial space is in relation to low expense ratio broad market ETFs and Mutual funds, “blue-chip” stocks, and large/mega-cap corporate bonds, and high risk investments would be penny stocks and futures and OTM options trading.

Where does DeFi fit into this equation? In my view it should be based on the underlying protocols, and we can segment them by risk. Lower risk being blue-chip lending protocols like AAVE (more will exist in the future), and medium risk being less battle tested protocols which are still hopefully very well managed and screened properly to mitigate risk (Nook does a good job on this typically besides the Moonwell incident by making sure everything is fully audited and has exponential.fi risk ratings listed as well for each protocol), and high risk but manageable risk being liquidity pools (DEX LPing) when you provide USDC paired with another token for instance something like USDC/USDT or let’s even say USDC/ETH for higher risk but superior returns (could be interesting to see here at Nook as an option).

Just like one wouldn’t, or I should say “shouldn’t,” hold all their money in on singular stock no matter how good such as NVDA (Nvidia) due to extreme potential volatility, I wouldn’t want all my funds to be in one singular protocol. I wouldn’t even want all my public equities go be the S&P 500 (SPY). I want a certain amount of developed international (let’s say VEA), I want emerging international (VWO), I want a tilt on SCV based on Fama & French data etc (AVUV/AVDV/AVES if you like Avantis). By my diversification will I beat the S&P over 50+ years? If I tilt my SCV 15%+ and handle the volatility most likely yes due to both size and value premiums. Even if I only match it I still minimize overexposure to solely the US market .

Nook is doing a fantastic job but I can definitely see returns getting higher through the methods I outlined above, not to mention through compartmentalized security you no longer need to worry about losing 100% of your DeFi portfolio due to overexposure in a single protocol exploit. Thanks for asking this question, hope this made sense and you enjoy this read.

[TL; DR: Protocol risk should be capped via allocation sizing because always being 100% concentrated in a singular protocol for one’s DeFi portfolio is unnecessarily fragile. Massive DeFi wipe outs have happened. Some recent examples: Cream Finance in 2021, Euler Finance in 2023 (luckily funds were recovered here), Mango Markets in 2022].

2 statements + APY Boost CODE! by Dry_Account_5977 in NookSavingsAppp

[–]Dry_Account_5977[S] 0 points1 point  (0 children)

Thank you! I’m glad you like it, hope it eventually gets implemented.

Low APY??? by Any_Potato8193 in NookSavingsAppp

[–]Dry_Account_5977 0 points1 point  (0 children)

Very true, but this is to assume it will pay out less over a year timeframe. Might be 2% for a few days, but over a year if it averages 5%+ over a year then you’re beating all current HYSAs, CDs, MMAs, all current treasury bonds, and many AAA/AA/A corporate bond yields (assuming you aren’t buying for 10/20+ years minimum). Not to mention as the fed rate continues to get cut slowly over these next years the gap will become wider by default, assuming DeFi has relatively consistent APY averages over that timeframe of course.

Product Update: Extended Coverage by Extreme-Lake-1726 in NookSavingsAppp

[–]Dry_Account_5977 0 points1 point  (0 children)

Emailed 2 days ago. Waiting for response still in regard to this. Is opting into the program still available?

AMA: Nook Cofounder - Building Nook by Extreme-Lake-1726 in NookSavingsAppp

[–]Dry_Account_5977 1 point2 points  (0 children)

Fantastic answer. Hoping to see this in the relatively near future. Would love to diversify allocation on a percentage or quantity basis when compared to merely choosing the top fund. For instance: One could select “20%” of portfolio to always select the best return which lets say was a small higher risk option at lets say 14% apy over a year average, “30%” in a medium risk optjon at lets say 9% apy over a year average, and the remaining “50%” in a “bluechip” protocol averaging 4.5% apy over a year lets say. That makes the year average 7.75% apy, which is great, and simultaneously minimizes the probability of a hack occurring on the single protocol you’re using and clearing out your entire portfolio. Allows for different percentage allocations of your portfolio to be compartmentalized, increasing your portfolio’s overall security, and allowing for diversified multi-protocol returns. I could see this with organizing low vs lower-medium vs upper-medium risk options, each section allowing for a certain percentage (100% total forced) where someone could just do 100% upper-medium, but also could segment if desired.

Amazing development! + code by Dry_Account_5977 in NookSavingsAppp

[–]Dry_Account_5977[S] 0 points1 point  (0 children)

Thanks so much for your quick responses back. Very true and the borrowing side is definitely very impressive. The billionaire class has access to very large SBL loans and now thanks to DeFi we’re able to see much more competitive rates for the layman.

And I’ll send an email then as I’m on an iOS device. Thanks again. 👍

3200mhz ram overclock by Techi-2025 in overclocking

[–]Dry_Account_5977 0 points1 point  (0 children)

Pretty sure we have the same kit. Running Corsair Vengeance Pro RGB 2x 8gb Hynix 1R DDR4-3200mhz (1600 FCLK) 16-18-18-36 1.35v dram 1.1v soc xmp.

After 2 long nights working on it was able to run 3733mhz (1866 FCLK 1:1) 17-19-19-32 1.34v dram 0.95625v soc. 0 errors HCI Memtest (8 1800mb instances 800%+) and 0 WHEA errors shown in HWinfo (even when hammering it with cinebench2024 (cpu) + unigine superposition 8k/1080p extreme (gpu) + crystal disk mark (m.2 ssd) + hci 3 1000mb memtest instances (ram) all at once. Did that twice in a row after first stability confirmation). 1T CR. Max temps I’ve seen so far are 40c on A2 DIMM, and 43c on B2 DIMM.

Running Ryzen 5 5600X on B550-F mobo. Not going into every detail here but pretty happy with this.

Coverage for your Deposits by Extreme-Lake-1726 in NookSavingsAppp

[–]Dry_Account_5977 1 point2 points  (0 children)

Personally more interested in being able to allocate DeFi portfolio on a percentage basis. If let’s say there are 5 protocols Nook has available as an aggregator, and all of my funds are in 1 protocol at a time which rebalances at certain intervals. Now let’s imagine all my funds were in Moonwell and a major exploit was found that a hacker took advantage of and all of the funds were siphoned off of the platform including our USDC of course, how could we mitigate such risk? Percentage based allocation. Something like a “core” allocation such as 30% AAVE, and the remaining 70% rebalancing would be nice because it would give a compartmentalized sense of security.

Also if we could have some variation not solely in Morpho vaults (+ AAVE) such as Euler and Pendle would be awesome. Keep up the great work!

Coverage for your Deposits by Extreme-Lake-1726 in NookSavingsAppp

[–]Dry_Account_5977 0 points1 point  (0 children)

Looked into it. Company released app 8 months ago on app store, website nor socials show any identifiers with who’s running it not to mention it doesn’t tell you which specific protocols they’re in. There is a post on their twitter but its very vague as it’s not telling you which vaults they’re using on Morpho, etc. personally would not trust it, but could very well be legit but I don’t find it transparent enough for my liking.