I have seen many projects offering huge apy in the beginning but later its got reduced badly and even the token price was dumped. I had invested in one of the project and my expeirince was not good. I joined in the beginning and got good apy but latyer token price fall down and I somehow managed to recover the money. No profit and no loss. I think a product with more stable apr is good idea and I am ok with lower % as well since it will last long. Nice post Thanks