Welcome to the monthly review of my token portfolio, I started tracking this portfolio now 59 months ago in full transparency. I provide updates of the interests received, the services used and the transactions performed during the month. This post tracks what happened in December 2024.

Crypto interests

The portfolio earnings reached $3150 this month, that's a 19.7% decrease from the previous month. The following tokens (including any kind of airdrops, mining, staking, interest rewards, browsing interest, Publish0x payments, and any kind of promo code or referee bonus) contributed to the earnings. They are ordered from the largest to the lowest contribution:

• 1939 CRV from Curve Finance as reward for contributing to the cbBTC/tBTC, frxETH/ETH and scrvUSD/sUSDe liquidity pools on Ethereum, ETH/cbETH and USDC/scrvUSD liquidity pools on Base, uniETH/WETH liquidity pool on Arbitrum, xStable and xWETH liquidity pools on Fantom.
• 602 USDC from Merkl, Curve Finance and ACI as reward for contributing to the sDAI/sUSDe  and scrvUSD/sUSDe liquidity pools and staking GHO.
• 217 AERO from Aerodrome Finance as reward for contributing to the WETH/msETH liquidity pools on Base.
• 0.725 AAVE from Aave as reward for staking some AAVE and GHO.
• 1998 EYWA from CrossCurve as reward for contributing to the xStable and xWETH liquidity pools.
• 0.0379 ETH from Curve Finance as reward for contributing EURe/xDAI/USDC/USDT liquidity pool on Gnosis.
• 0.497 GNO from my GnosisPay Visa debit card cashback.
• 3.9 GMX from GMX as reward for staking my GMX tokens on Arbitrum.
• 5481 RAM from Ramses Exchange as reward for contributing to the uniETH/WETH liquidity pool on Arbitrum.
• 13.74 JTO from Kamino Finance as reward for my contributions to the JitoSOL/SOL liquidity pool on Solana.
• 0.0003528 WBTC from Raydium as reward for my contribution to the cbBTC/WBTC liquidity pool on Solana.
• 6.9 BAL from Aura as reward for my contribution to the EURe/sDAI on Gnosis.
• 9020 IOT from my Helium access points.
• 13.5 AURA from Aura as reward for my contribution to the EURe/sDAI on Gnosis.
• 1.22 CVX as reward for providing for contributing to the cbBTC/tBTC on StakeDAO and frxETH/ETH on Convex Finance.
• 0.2517 ATOM as staking reward.
• 0.12 HNT from my Helium access points.
• 2.61 JUNO as staking rewards.
• 0.73 OSMO from Osmosis as staking rewards.

The following diagram depicts the evolution of the received monthly crypto interests:

This month, the annualized interest is 8.5% APR. The average on the last 12 month is now at 12.6% APR.

Regarding the interest composition, this month the sources are similar to last month: CRV(45.6%), USDC(19.2%), AERO(7.4%), AAVE(7.3%) are the top contributors. The remaining sources are around 20.5%.

Transactions realized

Beginning of the month,

• I purchased around $1K of VIRTUAL on Base, then $1K of AI16Z and $1K of ZEREBRO on Solana. Seeing the state of these investments after one month, I probably should have done something else with that money...
• I claimed my AAVE rewards and staked them on Aave.
• I claimed and compounded my GMX rewards.
• I claimed my GHO reward from Merkl and my CRV reward from StakeDAO, converted everything in USDC and contributed it to the EURe/xDAI/USDC/USDT on Curve Finance on Gnosis for around 14% APY.

Middle of the month,

• I moved my liquidity from the cbBTC/WBCT to the cbBTC/tBTC pools of StakeDAO for better APY.

 End of the month,

• I moved my liquidity and rewards from the EURe/xDAI/USDC/USDT pool on Curve Finance to the EURe/sDAI pool on Aura on Gnosis for around 20% APY.
• I moved my liquidity from the uniETH/WETH pool on Ramses Exchange to the same pool on Curve Finance on Arbitrum for better APY.
• I claimed my RAM and EYWA rewards from Ramses Exchange and CrossCurve into USDC and added this liquidity to the EURe/sDAI pool on Aura on Gnosis.
• I claimed and compounded my GMX rewards.
• I removed half of my liquidity from the cbBTC/tBTC pool on StakeDAO and moved it into the Raydium cbBTC/WBTC pool on Solana for around 10% APY.
• I claimed my CRV reward from StakeDAO and GHO from Merkl, converted them in USDC and sent it to my GnosisPay VISA debit card safe account.
• I sold part of my GNO reward for EURe and sent it to my GnosisPay VISA debit card safe account.

Evolution of the portfolio value

• The portfolio finished the month with a gain of $2.2K which is +0.5%.
• The performances of the main components of the portfolio were fairly different: WBTC(+7.66%), ETH(-6.3%), GMX(-31%), SOL(+13.2%) and AAVE(-3.6%).

• The stable coins allocation is now 20.1%. It is a mix of GHO/DAI/USDC/USDT/USDe/crvUSD/EURe.
• It is still in my target range of 15-25%. I'll reinvest the monthly interest received in stable coin if the stable coin allocation is lower than the range, in non-stable coins if it is higher than the range.

Here is the portfolio value compared to the value invested and the interest received. This month the value invested decreased slightly because of the spending done on my GnosisPay VISA debit card and no fresh funds added.

The portfolio performance is +0.5% this month, the historical monthly average is now +5.14%.

Things to look forward in February

January was fairly stable and I moved more funds to Solana. I plan to reallocate some of my ETH and GMX to other interesting coins in February. Apart from that, I'll continue paying for my monthly spending using mostly my crypto interest and my GnosisPay VISA debit card to decrease the value invested.