Notitia
APR is a simple annual rate; APY includes the compounding of gains. At 8% APR compounded daily, the APY reaches 8.33%. Platforms often show the more flattering figure.
A yield paid in newly issued tokens is partly dilution: if the supply grows faster than your stake, your share of the network shrinks.
Calculated in your browser, nothing is stored. Education, not investment advice.
In crypto you also have to take dilution off: a staking yield paid in newly issued tokens creates no value if total supply grows at the same pace.
Of the 8% on display, a little over 3% is a real gain in network share.
A lasting yield has an identifiable source: fees paid by users, interest from borrowers, validation rewards. A very high yield with no clear source is often funded by token issuance, or by later depositors.
APR ignores the reinvestment of gains, APY includes it. The more frequent the compounding, the more APY exceeds APR.
No: there is token price risk, penalty risk (slashing), funds locked during withdrawal and the risk of the platform that stakes for you failing.