Why 10% APY onchain is possible — and what backs it (Buck, Dan Hillery)
Fixed-income yield onchain sounds simple — until you realise most "yield" products in crypto either hide the risk or require constant manual management to capture it.Dan Hillery, Head of Treasury at Buck, breaks down how Buck is building the first SavingsCoin backed by Strategy's Bitcoin-collateralized perpetual preferred stock (STRC), targeting 10% APY with automated reward distribution and no manual claims. From designing the protocol's fee structure to managing flow-of-funds across DeFi lending markets and DEX liquidity pools, Dan explains what it takes to bridge traditional fixed-income mechanics into on-chain infrastructure — and why the timing matters now as institutional capital looks for yield that doesn't require trusting a counterparty.
You'll learn:
- What a SavingsCoin actually is and how it differs from a yield-bearing stablecoin
- Why Buck uses Strategy's STRC as collateral and what overcollateralization means for token holders in practice
- How the protocol raised yield from 7% to 10% APY and whether double-digit yield is sustainable long term
- What automated reward distribution changes for users and why removing manual claims matters for adoption
- How treasury strategy, DEX liquidity, and lending market distribution fit together as a system
- Who Buck is built for first — and which geographies borderless savings matters most for
🔗 https://buck.io
🐦 https://x.com/hillery_dan
📺 Refinitiv TV:
Timestamps:
0:00 Intro — Bitcoin-native yield and onchain fixed income
1:12 TradFi yield explained — treasuries, bonds, equities, Bitcoin
3:02 What is STRC? Strategy's perpetual preferred stock explained
4:32 The big idea — Bitcoin-backed yield with no principal risk
6:31 Breaking down all Strategy capital structure instruments (MSTR, Strife, STRC, Strike, STRD)
9:31 What is MNAV and why it matters
10:00 Buck raises yield to 10% — why it's sustainable
10:47 Buck structure explained — savings coin backed by STRC
13:19 V2 upgrade: yield stream for DeFi composability
14:10 Pendle + Morpho integrations — leveraging Buck yield
15:32 Onboarding — how to get Buck via app.buck.io or Curve
17:27 Why Buck is built on Ethereum, collateral stays in Bitcoin
18:33 Does Bitcoin price volatility affect Buck? No — here's why
20:48 What Dan is focused on: institutional adoption timeline
22:36 Morpho leverage looping + Pendle yield speculation explained
25:13 Where to learn more: buck.io, @bucktoken, @hillery_dan
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EXTENDED DISCLAIMER This video is for informational and entertainment purposes only and does not constitute financial, investment, legal, or professional advice. The publisher and guests are not registered financial advisors. Nothing herein should be interpreted as a recommendation to buy, sell, or hold any cryptocurrency, token, or security.
Content includes speculative market commentary and opinions that may not reflect current conditions and should not be relied upon as predictions. Cryptocurrency, RWA tokenization, and blockchain technologies carry significant risks including market volatility, technology failures, and total loss of investment. Past performance does not guarantee future results.
Some content may include sponsored segments, which do not imply endorsement. Guest opinions are their own and information is believed accurate as of publication, but no warranties are made regarding accuracy or completeness. By watching, you acknowledge sole responsibility for your investment decisions and agree that the publisher and guests shall not be liable for any losses arising from actions based on this content. Always conduct your own research (DYOR) and consult a qualified professional. Receive SMS online on sms24.me
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