USDY, issued by Ondo Finance, is one of my favorite coins. Unlike USDC or USDT, which maintain a 1$ value while the issuers capture all the yield, USDY passes yields directly to holders through daily NAV appreciation, allowing us to reap the profits. Its price appreciates as interest gathers in US Treasuries and bank deposits it's pegged to. It has a great 4.5% APY, and the token's actual value increases unlike rebasing models. Ondo is pretty transparent about USDY, so we can also see the reserve composition. It has 65% in 1 - 3 month US Treasury Bills, 20% in 3 - 6 month Treasury Bills, and 15% in bank demand deposits. USDY pretty much acts like a savings account, letting us grow the value overtime. Of course, it is tied to Treasury rates, so if Treasury rates decrease then USDY's APY will too.

PAX Gold is also a great token. It's much riskier than USDY, but since gold will always have value and there is a large demand for it right now, I think it is a good investment. Of course, this is just my personal opinion and I'm not trying to give you financial advice. PAX Gold is built on the Ethereum Blockchain, and is tied to real gold. Each token is backed by one fine troy ounce of London Good Delivery gold stored in professional vaults. I find it more trustworthy than other coins tied to gold because Paxos Trust Company is regulated by the New York Department of Financial Services and operates with a BitLicense, and they are much more transparent than most. Instead of buying physical gold, PAX Gold gives investors easier access. When a token is purchased, Paxos recieves the payment, issues new tokens, and gets gold to back them up. Their vaults have high security standards and are regularly audited for a perfect 1:1 ratio between tokens and gold. PAX Gold can even be exchanged for physical gold! You do need about 400 tokens since their gold bars are about 400 ounces, but it is a great way to link crypto with the real world. On their website, you can even enter your ETH address to find the serial number and information about the gold backing your tokens. 

Overall, I think PAX Gold and USDY are great tokens that add a new level to the crypto market.