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<node TEXT="Modulul 4 - venit pasiv cu monede stabile" FOLDED="false" ID="ID_1747733631" CREATED="1650042735653" MODIFIED="1650042763599" STYLE="oval">
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<node TEXT="monede stabile pentru venit pasiv:  informa&#x21b;ii de baz&#x103;" FOLDED="true" POSITION="right" ID="ID_181258551" CREATED="1648392069144" MODIFIED="1650042752142">
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<node TEXT="caracteristici" FOLDED="true" ID="ID_48711739" CREATED="1650044819208" MODIFIED="1650044823146">
<node TEXT="monedele stabile se preteaz&#x103; foarte bine pentru a ob&#x21b;ine surse de venit pasiv" ID="ID_1809476036" CREATED="1650044801852" MODIFIED="1650044818854"/>
<node TEXT="se ob&#x21b;in venituri peste mediile depozitelor bancare (0.5%-1.5%)" ID="ID_191825978" CREATED="1650044826033" MODIFIED="1666360546843">
<node TEXT="8-20% pe an" ID="ID_1956059166" CREATED="1650044857004" MODIFIED="1650044865782"/>
<node TEXT="&#xee;n condi&#x21b;iile lipsei de volatilitate a monedelor stabile, fa&#x21b;&#x103; de moneda de referin&#x21b;&#x103; (dolarul american)" ID="ID_778035956" CREATED="1650044867274" MODIFIED="1650044915281"/>
<node TEXT="depinde de ciclul de pia&#x21b;&#x103; &#xee;n care te afli" ID="ID_344402157" CREATED="1666360569182" MODIFIED="1666362324409">
<node TEXT="ciclu de cre&#x219;tere (bull market)" ID="ID_1181235877" CREATED="1666360599129" MODIFIED="1666360666423">
<node TEXT="datele prezente &#xee;n acest curs" ID="ID_1321593003" CREATED="1666360616360" MODIFIED="1666360623285"/>
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<node TEXT="ciclu de sc&#x103;dere (bear market)" ID="ID_558515066" CREATED="1666360629240" MODIFIED="1666360640425">
<node TEXT="c&#xe2;&#x219;tigur de 2-3 ori mai mic" ID="ID_1479231414" CREATED="1666360641650" MODIFIED="1666360656757"/>
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<node TEXT="metode de ob&#x21b;inere" FOLDED="true" ID="ID_18253501" CREATED="1650044917110" MODIFIED="1650044924148">
<node TEXT="staking" ID="ID_1025178777" CREATED="1650044924151" MODIFIED="1650044927736"/>
<node TEXT="&#xee;mprumutul monedelor stabile" ID="ID_517315106" CREATED="1650044928197" MODIFIED="1650044939577"/>
<node TEXT="furnizare de lichiditate pentru rezervoarele de lichiditate" ID="ID_195670253" CREATED="1650045520599" MODIFIED="1650045538016"/>
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<node TEXT="avantaje" FOLDED="true" ID="ID_476104984" CREATED="1650044941996" MODIFIED="1650044944406">
<node TEXT="se pot folosi sume mici de bani" ID="ID_1310706144" CREATED="1650044959451" MODIFIED="1650044972310"/>
<node TEXT="gradul de dificultate variabil" ID="ID_1160327111" CREATED="1650044972718" MODIFIED="1650044989346">
<node TEXT="de la sc&#x103;zut la ridicat" ID="ID_1021674270" CREATED="1650044989349" MODIFIED="1650044998061">
<node TEXT="pentru toate tipurile de abilit&#x103;&#x21b;i" ID="ID_1576342654" CREATED="1650045021248" MODIFIED="1650045040892"/>
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<node TEXT="c&#xe2;&#x219;tigurile sunt propor&#x21b;ionale cu gradul de dificultate" ID="ID_375571432" CREATED="1650044998356" MODIFIED="1650045011711"/>
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<node TEXT="rapiditate" ID="ID_66698996" CREATED="1650045043937" MODIFIED="1650045051809">
<node TEXT="cu c&#xe2;teva clickuri" ID="ID_1192766901" CREATED="1650045051811" MODIFIED="1650045061408"/>
<node TEXT="realizarea unui cont la un DEX dureaz&#x103; c&#xe2;teva minute" ID="ID_1487778545" CREATED="1650045061916" MODIFIED="1650045084978"/>
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<node TEXT="anonimitate" ID="ID_808001305" CREATED="1650045092528" MODIFIED="1650045098422">
<node TEXT="dac&#x103; &#xee;&#x21b;i dore&#x219;ti acest lucru" ID="ID_13092798" CREATED="1650045098425" MODIFIED="1650045109400"/>
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<node TEXT="randamente ridicate" ID="ID_1702985869" CREATED="1650045118821" MODIFIED="1650045122778"/>
<node TEXT="oferte &#x219;i cerere mondial&#x103;" ID="ID_987552147" CREATED="1650045123010" MODIFIED="1650045132877"/>
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<node TEXT="pericole" ID="ID_1091909479" CREATED="1650044954113" MODIFIED="1650044957691">
<node TEXT="determinate de moneda stabil&#x103;" ID="ID_380329594" CREATED="1650045142805" MODIFIED="1650045154946">
<node TEXT="vezi modulele anterioare" ID="ID_1114094261" CREATED="1650045234590" MODIFIED="1650045240110"/>
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<node TEXT="determinate de platforma care ofer&#x103; c&#xe2;&#x219;tigul pasiv" ID="ID_998977638" CREATED="1650045155410" MODIFIED="1650045168140">
<node TEXT="riscul de hack" ID="ID_115548870" CREATED="1650045242903" MODIFIED="1650045246974"/>
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<node TEXT="determinat&#x103; de abilit&#x103;&#x21b;ile tale" ID="ID_541226044" CREATED="1650045169722" MODIFIED="1650045182397">
<node TEXT="erori de apreciere a platformelor" ID="ID_1253666161" CREATED="1650045182399" MODIFIED="1650045196220">
<node TEXT="nu ai f&#x103;cut analiza riscurilor" ID="ID_963772465" CREATED="1650045343479" MODIFIED="1650045352151"/>
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<node TEXT="erori de execu&#x21b;ie a ordinelor" ID="ID_1659803354" CREATED="1650045196440" MODIFIED="1650045204025"/>
<node TEXT="lipsa unei monitoriz&#x103;ri a procesului de realizare a venitului pasiv" ID="ID_817852287" CREATED="1650045204266" MODIFIED="1650045228548"/>
<node TEXT="etc." ID="ID_1221754542" CREATED="1650045228980" MODIFIED="1650045230540"/>
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<node TEXT="lipsa realiz&#x103;rii de management al riscului" ID="ID_960018292" CREATED="1650045360887" MODIFIED="1650045375934">
<node TEXT="sisteme de asigurare prin contracte inteligente" ID="ID_1501951821" CREATED="1650045375936" MODIFIED="1650045388380"/>
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<node TEXT="lipsa garant&#x103;rii sumei ini&#x21b;iale &#x219;i a c&#xe2;&#x219;tigului" ID="ID_732392668" CREATED="1650045303512" MODIFIED="1650045327197">
<node TEXT="ca &#xee;n sistemul bancar" ID="ID_1513275463" CREATED="1650045327200" MODIFIED="1650045333223"/>
</node>
<node TEXT="Aten&#x21b;ie! C&#xe2;&#x219;tig ridicat, risc ridicat!" ID="ID_1673703644" CREATED="1650045255356" MODIFIED="1650045287862">
<node TEXT="risc&#x103; doar banii pe care &#x21b;i-i permi&#x21b;i s&#x103;-i pierzi" ID="ID_1040555387" CREATED="1650045273632" MODIFIED="1650045299611"/>
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</node>
<node TEXT="descrierea metodelor" FOLDED="true" ID="ID_975815943" CREATED="1650045398755" MODIFIED="1650045405291">
<node TEXT="staking" FOLDED="true" ID="ID_235603800" CREATED="1650045405295" MODIFIED="1650045410647">
<node TEXT="dificultate" FOLDED="true" ID="ID_1923059762" CREATED="1650045491801" MODIFIED="1650045497579">
<node TEXT="medie" ID="ID_847432847" CREATED="1650045497582" MODIFIED="1650046919535"/>
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<node TEXT="presupune blocarea monedelor pentru a fi folosite de c&#x103;tre re&#x21b;ele" FOLDED="true" ID="ID_1082247176" CREATED="1650045505008" MODIFIED="1650045575270">
<node TEXT="ajut&#x103; la confirmarea tranzac&#x21b;iilor" ID="ID_1460432571" CREATED="1650047268097" MODIFIED="1650047275291"/>
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<node TEXT="monede stabile" FOLDED="true" ID="ID_1041218116" CREATED="1650045939485" MODIFIED="1650045953478">
<node TEXT="USDT" FOLDED="true" ID="ID_614294721" CREATED="1650047073162" MODIFIED="1650047082052">
<node TEXT="c&#xe2;&#x219;tig: 7-12% pe an" ID="ID_381137737" CREATED="1650047082055" MODIFIED="1650048277061"/>
<node TEXT="platform&#x103;:" FOLDED="true" ID="ID_947647401" CREATED="1650047093685" MODIFIED="1650047101222">
<node TEXT="exchange" FOLDED="true" ID="ID_1265227828" CREATED="1650047101226" MODIFIED="1650047109630">
<node TEXT="Binance" FOLDED="true" ID="ID_1948653425" CREATED="1650047109634" MODIFIED="1650047112309">
<node TEXT="pa&#x219;i" FOLDED="true" ID="ID_847292906" CREATED="1650047334606" MODIFIED="1650047338490">
<node TEXT="intr&#x103; &#xee;n contul de Binance" ID="ID_931955280" CREATED="1650047338494" MODIFIED="1650047348833"/>
<node TEXT="click pe meniul Binance Earn" ID="ID_737362042" CREATED="1650047349258" MODIFIED="1650047360147"/>
<node TEXT="click pe meniul Guarantee" ID="ID_1038799998" CREATED="1650047361081" MODIFIED="1650047490846"/>
<node TEXT="alege USDT" ID="ID_1992907847" CREATED="1650047491153" MODIFIED="1650047494608"/>
<node TEXT="alege perioada" ID="ID_74426457" CREATED="1650047830646" MODIFIED="1650047834129"/>
<node TEXT="alege suma" ID="ID_1543079082" CREATED="1650047834722" MODIFIED="1650047837230"/>
<node TEXT="&#xee;ncepe stakingul" ID="ID_181368879" CREATED="1650047884432" MODIFIED="1650047893025"/>
<node TEXT="...aceasta este o descriere simplificat&#x103; a procesului" ID="ID_281011302" CREATED="1650047893881" MODIFIED="1650047906832"/>
</node>
</node>
<node TEXT="Coinbase" ID="ID_391864626" CREATED="1650047112930" MODIFIED="1650047115317"/>
<node TEXT="crypto.com" ID="ID_437704261" CREATED="1650047115739" MODIFIED="1650047127064"/>
<node TEXT="procesul este similar cu cel de la Binance" ID="ID_861529139" CREATED="1650047911996" MODIFIED="1650047921898"/>
</node>
</node>
</node>
<node TEXT="USDC" FOLDED="true" ID="ID_1065030330" CREATED="1650048267928" MODIFIED="1650048273414">
<node TEXT="c&#xe2;&#x219;tig: 7-12% pe an" ID="ID_1264826106" CREATED="1650047082055" MODIFIED="1650048277061"/>
<node TEXT="platform&#x103;:" FOLDED="true" ID="ID_578555334" CREATED="1650047093685" MODIFIED="1650047101222">
<node TEXT="exchange" FOLDED="true" ID="ID_311089217" CREATED="1650047101226" MODIFIED="1650047109630">
<node TEXT="crypto.com" ID="ID_825278559" CREATED="1650047115739" MODIFIED="1650047127064"/>
<node TEXT="procesul este similar cu cel descris mai sus" ID="ID_1906632254" CREATED="1650047911996" MODIFIED="1650048405543"/>
</node>
<node TEXT="DeFi" FOLDED="true" ID="ID_1945574981" CREATED="1650047135098" MODIFIED="1650048193020">
<node TEXT="Compound" FOLDED="true" ID="ID_98524658" CREATED="1650048904329" MODIFIED="1650048910192">
<node TEXT="https://app.compound.finance/" ID="ID_646244163" CREATED="1650048910195" MODIFIED="1650048912999"/>
<node TEXT="te po&#x21b;i lega cu Ledger" ID="ID_1928034611" CREATED="1650048913280" MODIFIED="1650048921464"/>
</node>
<node TEXT="BlockFi" FOLDED="true" ID="ID_1717066815" CREATED="1650049528571" MODIFIED="1650049547181">
<node TEXT="https://blockfi.com/crypto-interest-account" ID="ID_1742220095" CREATED="1650049535733" MODIFIED="1650049535733" LINK="https://blockfi.com/crypto-interest-account"/>
</node>
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</node>
<node TEXT="BUSD" FOLDED="true" ID="ID_1018432231" CREATED="1650048286628" MODIFIED="1650048289407">
<node TEXT="c&#xe2;&#x219;tig: maxim 13.33% pe an" ID="ID_895891733" CREATED="1650047082055" MODIFIED="1650048489151"/>
<node TEXT="platform&#x103;:" FOLDED="true" ID="ID_1046434232" CREATED="1650047093685" MODIFIED="1650047101222">
<node TEXT="exchange" FOLDED="true" ID="ID_1093345599" CREATED="1650047101226" MODIFIED="1650047109630">
<node TEXT="Binance" ID="ID_633060288" CREATED="1650047109634" MODIFIED="1650047112309"/>
<node TEXT="crypto.com" ID="ID_1111013361" CREATED="1650047115739" MODIFIED="1650047127064"/>
<node TEXT="procesul este similar cu cel de la Binance" ID="ID_303221592" CREATED="1650047911996" MODIFIED="1650047921898"/>
</node>
</node>
</node>
<node TEXT="DAI" FOLDED="true" ID="ID_193355976" CREATED="1650049190971" MODIFIED="1650049195734">
<node TEXT="c&#xe2;&#x219;tig: maxim 4.5-12% pe an" ID="ID_577829673" CREATED="1650047082055" MODIFIED="1650049983718"/>
<node TEXT="platform&#x103;:" FOLDED="true" ID="ID_1096937123" CREATED="1650047093685" MODIFIED="1650049394030">
<node TEXT="exchange" FOLDED="true" ID="ID_201743870" CREATED="1650047101226" MODIFIED="1650047109630">
<node TEXT="Binance" ID="ID_717491760" CREATED="1650047109634" MODIFIED="1650047112309"/>
</node>
<node TEXT="Oasis" FOLDED="true" ID="ID_1532438922" CREATED="1650047135098" MODIFIED="1650049394866">
<node TEXT="https://oasis.app/" ID="ID_1240288286" CREATED="1650049384150" MODIFIED="1650049384150" LINK="https://oasis.app/"/>
<node TEXT="la Oasis te po&#x21b;i conecta cu Metamask, care poate fi folosit &#xee;mpreun&#x103; cu Ledger" ID="ID_1666272640" CREATED="1650049387551" MODIFIED="1650049428758"/>
<node TEXT="dup&#x103; ce te-ai conectat, click pe Start Saving" ID="ID_512263929" CREATED="1650049431866" MODIFIED="1650049613361"/>
<node TEXT="apoi click pe DAI Saving Rate  &#x219;i selectezi rata" ID="ID_1592561091" CREATED="1650049613774" MODIFIED="1650049643595"/>
<node TEXT="introduci suma pentru staking" ID="ID_151425569" CREATED="1650049643975" MODIFIED="1650049672014"/>
<node TEXT="confirmi &#xee;n portofel" ID="ID_115164388" CREATED="1650049672432" MODIFIED="1650049679526"/>
</node>
</node>
</node>
<node TEXT="PAXG" FOLDED="true" ID="ID_980011948" CREATED="1650048367420" MODIFIED="1650048376498">
<node TEXT="c&#xe2;&#x219;tig: 5.5% pe an" ID="ID_265275687" CREATED="1650047082055" MODIFIED="1650048384103"/>
<node TEXT="platform&#x103;:" FOLDED="true" ID="ID_289680283" CREATED="1650047093685" MODIFIED="1650047101222">
<node TEXT="DeFi" FOLDED="true" ID="ID_1737094420" CREATED="1650047135098" MODIFIED="1650048193020">
<node TEXT="Celsius" FOLDED="true" ID="ID_1387433119" CREATED="1650048193023" MODIFIED="1650048204481">
<node TEXT="https://celsius.network/earn" ID="ID_714327563" CREATED="1650048204484" MODIFIED="1650048207619"/>
</node>
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<node TEXT="&#xee;mprumutare" FOLDED="true" ID="ID_198412692" CREATED="1650045411141" MODIFIED="1650045424615">
<node TEXT="dificultate" FOLDED="true" ID="ID_1049789176" CREATED="1650051610488" MODIFIED="1666360743297">
<node TEXT="medie" ID="ID_251747192" CREATED="1650051618912" MODIFIED="1650051621382"/>
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<node TEXT="proces prin care &#xee;mprumu&#x21b;i monede stabile, prin intermediul platformelor de DeFi" FOLDED="true" ID="ID_968813734" CREATED="1650050127240" MODIFIED="1650050160006">
<node TEXT="de obicei toate platformele care ofer&#x103; servicii de staking (earning), ofer&#x103; &#x219;i servicii de &#xee;mprumut" ID="ID_1311838026" CREATED="1650050164430" MODIFIED="1650050191368"/>
<node TEXT="platforma face leg&#x103;tura &#xee;ntre cel care dore&#x219;te s&#x103; &#xee;mprumute &#x219;i persoana care &#xee;mprumut&#x103;" FOLDED="true" ID="ID_1956557005" CREATED="1650050191636" MODIFIED="1650050216046">
<node TEXT="pentru acest serviciu &#xee;&#x219;i re&#x21b;ine un procent din tranzac&#x21b;ie" ID="ID_1575510272" CREATED="1650050216050" MODIFIED="1650050232840"/>
</node>
<node TEXT="exemplu" FOLDED="true" ID="ID_1127138678" CREATED="1650050324398" MODIFIED="1650050329188">
<node TEXT="BlockFi" FOLDED="true" ID="ID_290134320" CREATED="1650050329192" MODIFIED="1666360765861">
<node TEXT="https://blockfi.com/crypto-interest-account" ID="ID_833531761" CREATED="1666360767514" MODIFIED="1666360779345" LINK="https://blockfi.com/crypto-interest-account"/>
</node>
<node TEXT="Nexo" FOLDED="true" ID="ID_31998420" CREATED="1650049994791" MODIFIED="1650049997574">
<node TEXT="https://nexo.io/earn-crypto" ID="ID_293054126" CREATED="1650050060666" MODIFIED="1650050060666" LINK="https://nexo.io/earn-crypto"/>
</node>
<node TEXT="Hodlnaut" FOLDED="true" ID="ID_1733991962" CREATED="1650050737886" MODIFIED="1650050748588">
<node TEXT="https://www.hodlnaut.com/hnap0001" ID="ID_1247107478" CREATED="1650050777210" MODIFIED="1666360947980" LINK="https://www.hodlnaut.com/hnap0001"/>
</node>
<node TEXT="Compound" FOLDED="true" ID="ID_110995838" CREATED="1650050905589" MODIFIED="1650050914379">
<node TEXT="https://app.compound.finance/" ID="ID_1939735826" CREATED="1650050915315" MODIFIED="1666360794566" LINK="https://app.compound.finance/"/>
</node>
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</node>
<node TEXT="plata dob&#xe2;nzii se poate face" FOLDED="true" ID="ID_1313390942" CREATED="1650050525328" MODIFIED="1650050540331">
<node TEXT="&#xee;n fiecare zi" ID="ID_1645342443" CREATED="1650050540334" MODIFIED="1650050545084"/>
<node TEXT="la finalul perioadei de &#xee;mprumut" ID="ID_1417399862" CREATED="1650050545532" MODIFIED="1650050578550"/>
<node TEXT="depinde de serviciul utilizat" ID="ID_1671801323" CREATED="1650050556802" MODIFIED="1650050570030"/>
</node>
<node TEXT="asigurare" FOLDED="true" ID="ID_611467961" CREATED="1650050961082" MODIFIED="1650050973081">
<node TEXT="pentru a reduce riscurile procesului de &#xee;mprumut, se recomand&#x103; a face un contract inteligent pentru procesul de &#xee;mprumut" ID="ID_28851612" CREATED="1650050973083" MODIFIED="1650051010406"/>
<node TEXT="platforme de asigurare prin contracte inteligente" FOLDED="true" ID="ID_1662931858" CREATED="1650051011955" MODIFIED="1650051023443">
<node TEXT="Nexus mutual" FOLDED="true" ID="ID_1804164471" CREATED="1650051023447" MODIFIED="1650051058882">
<node TEXT="platformele pentru care face asigurare" FOLDED="true" ID="ID_574204896" CREATED="1650051094519" MODIFIED="1650051105015">
<node TEXT="https://app.nexusmutual.io/cover" ID="ID_374854133" CREATED="1650051105022" MODIFIED="1666361072668" LINK="https://app.nexusmutual.io/cover"/>
</node>
</node>
<node TEXT="Etherisc" FOLDED="true" ID="ID_1722111722" CREATED="1650051137928" MODIFIED="1650051141631">
<node TEXT="https://etherisc.com/" ID="ID_634391758" CREATED="1650051141633" MODIFIED="1666361078807" LINK="https://etherisc.com/"/>
<node TEXT="produs &#xee;n curs de lansare, pentru pia&#x21b;a de &#xee;mprumuturi DeFi" ID="ID_560809944" CREATED="1650051187939" MODIFIED="1650051200583"/>
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</node>
</node>
</node>
<node TEXT="furnizare de lichiditate" FOLDED="true" ID="ID_1010089679" CREATED="1650045542157" MODIFIED="1650045550178">
<node TEXT="dificultate" FOLDED="true" ID="ID_1985921883" CREATED="1650051639251" MODIFIED="1650051644242">
<node TEXT="ridicat&#x103;" ID="ID_543362806" CREATED="1650051644246" MODIFIED="1650051650825"/>
</node>
<node TEXT="const&#x103; &#xee;n oferirea de perechi valutare, bazate pe o cryptomoned&#x103; &#x219;i o moned&#x103; stabil&#x103;, pentru platformele DEX" ID="ID_1771301347" CREATED="1650051652577" MODIFIED="1650051690417"/>
<node TEXT="presupune analize de risc" FOLDED="true" ID="ID_662963699" CREATED="1650051691672" MODIFIED="1650051708250">
<node TEXT="func&#x21b;ioneaz&#x103; bine pe anumite tipuri de pia&#x21b;&#x103;" FOLDED="true" ID="ID_200773046" CREATED="1650051708254" MODIFIED="1650051719682">
<node TEXT="pia&#x21b;&#x103; lateral&#x103;, f&#x103;r&#x103; cre&#x219;teri sau sc&#x103;deri majore de pre&#x21b;" ID="ID_969419000" CREATED="1650051719686" MODIFIED="1650051739289"/>
</node>
<node TEXT="riscul determinat de modificarea ratei de schimb &#xee;ntre cele dou&#x103; criptomonede, poate produce pierderi" FOLDED="true" ID="ID_1548867105" CREATED="1650051743410" MODIFIED="1650051767747">
<node TEXT="impermanent loss" ID="ID_957070683" CREATED="1650051767753" MODIFIED="1650051816379"/>
</node>
</node>
<node TEXT="mai nou au ap&#x103;rut rezervoare de lichiditate la DEX-uri, &#xee;ntre monede stabile" FOLDED="true" ID="ID_908156142" CREATED="1650051818949" MODIFIED="1650051849429">
<node TEXT="1inch lanseaz&#x103; perechea USDT/USDC" ID="ID_983831728" CREATED="1650051849433" MODIFIED="1650051880847"/>
<node TEXT="c&#xe2;&#x219;tig 5% -10% pe an" ID="ID_296407420" CREATED="1650051883107" MODIFIED="1650051906968"/>
</node>
</node>
</node>
</node>
<node TEXT="propunere de portofoliu de venit pasiv agresiv" FOLDED="true" POSITION="right" ID="ID_1261852038" CREATED="1648392189168" MODIFIED="1650042752149">
<edge COLOR="#0000ff"/>
<node TEXT="portofoliul agresiv presupune" ID="ID_1927109695" CREATED="1650051981347" MODIFIED="1650052023478">
<node TEXT="o cre&#x219;tere a riscului" ID="ID_477390807" CREATED="1650052000438" MODIFIED="1650052005076"/>
<node TEXT="o complexitate mai mare a procesului de realizare a venitului pasiv" ID="ID_1676771804" CREATED="1650052005445" MODIFIED="1650052039740"/>
</node>
<node TEXT="pentru a crea un portofoliu agresiv, vei utiliza" ID="ID_929652487" CREATED="1650052042531" MODIFIED="1650052061865">
<node TEXT="monede stabile care dau cea mai mare rat&#x103; profite staking" ID="ID_1730050516" CREATED="1650052061870" MODIFIED="1666361389521">
<node TEXT="https://esketit.com/" ID="ID_1296834793" CREATED="1666361364964" MODIFIED="1666361374690" LINK="https://esketit.com/"/>
</node>
<node TEXT="platforme de staking sau &#xee;mprumuturi care dau cele mai mari c&#xe2;&#x219;tiguri" ID="ID_963297107" CREATED="1650052081291" MODIFIED="1650052101796">
<node TEXT="verifica ratele de lending" ID="ID_819615464" CREATED="1650052475185" MODIFIED="1650052481834">
<node TEXT="https://defirate.com/lend/" ID="ID_487510310" CREATED="1650052491935" MODIFIED="1666361380924" LINK="https://defirate.com/lend/"/>
</node>
</node>
<node TEXT="perioade fixe de staking sau &#xee;mprumut, f&#x103;r&#x103; ridicarea c&#xe2;&#x219;tigurilor" ID="ID_652868756" CREATED="1650052179081" MODIFIED="1666361211043">
<node TEXT="p&#xe2;n&#x103; la un an de zile" ID="ID_28813357" CREATED="1650052207106" MODIFIED="1650052217997"/>
</node>
</node>
<node TEXT="propunere" ID="ID_400217726" CREATED="1650052247339" MODIFIED="1650052252512">
<node TEXT="staking de USDT" ID="ID_234282209" CREATED="1650052252516" MODIFIED="1650052258890"/>
<node TEXT="platforma de &#xee;mprumut" ID="ID_496794731" CREATED="1650052259349" MODIFIED="1650052276986">
<node TEXT="Midas" ID="ID_735917784" CREATED="1650052280831" MODIFIED="1650052335843">
<node TEXT="https://midas.investments/" ID="ID_1401496245" CREATED="1650052635004" MODIFIED="1666361462596" LINK="https://midas.investments/"/>
</node>
<node TEXT="...unde alegi cele mai mari rate de &#xee;mprumut" ID="ID_1485901624" CREATED="1650052652783" MODIFIED="1650052685323">
<node TEXT="13.1% la USDT, USDC" ID="ID_38150035" CREATED="1650052685327" MODIFIED="1666361503660"/>
</node>
</node>
</node>
</node>
<node TEXT="propunere de portofoliul pentru venit pasiv conservator" FOLDED="true" POSITION="right" ID="ID_1095615534" CREATED="1648392205988" MODIFIED="1650042752157">
<edge COLOR="#00ff00"/>
<node TEXT="portofoliu conservator presupune" ID="ID_461266004" CREATED="1650052819874" MODIFIED="1650052832504">
<node TEXT="un risc sc&#x103;zut" ID="ID_75158836" CREATED="1650052832509" MODIFIED="1650052840431"/>
<node TEXT="o complexitate mic&#x103;" ID="ID_660245200" CREATED="1650052840887" MODIFIED="1650052851124"/>
</node>
<node TEXT="cea mai simpl&#x103; modalitate este folosirea Ledger Nano" ID="ID_726636544" CREATED="1650052854251" MODIFIED="1650052906732">
<node TEXT="se folose&#x219;te platforma Compound &#x219;i Aave" ID="ID_1139753429" CREATED="1650052930183" MODIFIED="1666361769660"/>
<node TEXT="se poate &#xee;mprumuta" ID="ID_1158227117" CREATED="1650052938076" MODIFIED="1650052943530">
<node TEXT="DAI" ID="ID_1620058984" CREATED="1650052943535" MODIFIED="1650052949845"/>
<node TEXT="USDC" ID="ID_1802636455" CREATED="1650052950105" MODIFIED="1650052981128"/>
<node TEXT="USDT" ID="ID_1972566636" CREATED="1650052986032" MODIFIED="1650052988063"/>
</node>
<node TEXT="trebuie s&#x103; ai cont la Compound, Aave" ID="ID_7345961" CREATED="1650053047855" MODIFIED="1666361776544"/>
<node TEXT="se poate folosi gama Ledger Nano &#xee;n combina&#x21b;ie cu aceste platforme" ID="ID_755109632" CREATED="1650054457919" MODIFIED="1666361791493">
<node TEXT="aceste dou&#x103; platforme au rate de c&#xe2;&#x15f;tig mai mici, dar sunt mai sigure" ID="ID_97867127" CREATED="1650054644775" MODIFIED="1650054667750"/>
</node>
<node TEXT="se poate &#xee;mp&#x103;r&#x163;i portofoliul &#xee;ntre monedele stabile cele mai sigure" ID="ID_1308712199" CREATED="1650054700136" MODIFIED="1650054715995">
<node TEXT="USDC" ID="ID_936243256" CREATED="1650054715998" MODIFIED="1650054719092"/>
<node TEXT="BUSD" ID="ID_27582562" CREATED="1650054720513" MODIFIED="1650054722568"/>
<node TEXT="DAI" ID="ID_1706000995" CREATED="1650054724348" MODIFIED="1650054726491"/>
</node>
</node>
</node>
<node TEXT="recomandare" FOLDED="true" POSITION="right" ID="ID_1221263587" CREATED="1666361915373" MODIFIED="1666361920526">
<edge COLOR="#ff00ff"/>
<node TEXT="&#xee;nainte de a decide" ID="ID_1946027284" CREATED="1666361920529" MODIFIED="1666361928096">
<node TEXT="studiaz&#x103; resursele comparative, &#xee;n care se listeaz&#x103; serviciile de staking &#x219;i lending de monede stabile" ID="ID_1630645807" CREATED="1666361928098" MODIFIED="1666361961679"/>
<node TEXT="cite&#x219;te recenzii despre aceste servicii" ID="ID_1111455243" CREATED="1666361962965" MODIFIED="1666361973721"/>
<node TEXT="fii la curent, mai ales prin Twitter, legat de aceste servicii, pentru eventuale probleme" ID="ID_486706373" CREATED="1666361974080" MODIFIED="1666361994936">
<node TEXT="&#xee;n acest fel am reu&#x219;it s&#x103;-mi retrag la timp banii de la Celsius, &#xee;nainte de intrarea &#xee;n faliment a firmei" ID="ID_1930505416" CREATED="1666361994939" MODIFIED="1666362019014"/>
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