{"id":1823,"date":"2026-04-22T11:36:17","date_gmt":"2026-04-22T03:36:17","guid":{"rendered":"https:\/\/www.benpay.com\/blog\/?p=1823"},"modified":"2026-04-22T11:36:19","modified_gmt":"2026-04-22T03:36:19","slug":"multi-chain-defi-yield-aggregator-stablecoin-apy","status":"publish","type":"post","link":"https:\/\/www.benpay.com\/blog\/index.php\/multi-chain-defi-yield-aggregator-stablecoin-apy\/","title":{"rendered":"What Multi-Chain DeFi Yield Aggregators Do"},"content":{"rendered":"\n<p><a href=\"https:\/\/www.benpay.com\/defi-earn\/\">DeFi yield aggregators<\/a> automatically deploy stablecoins across lending protocols to capture interest rates. Instead of manually moving funds between different platforms, aggregators handle the movement, rebalancing, and compounding. They monitor multiple chains\u2014Ethereum, Polygon, Arbitrum, Optimism, and others\u2014to route capital where rates are highest.<\/p>\n\n\n\n<p>The aggregator&#8217;s software watches lending rates across protocols like Aave, Compound, and others in real time. When rates shift, the system moves funds automatically. Rewards compound daily. This removes the burden of manually checking rates and executing transfers.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Automatic rebalancing when rates change<\/li>\n\n\n\n<li>Daily compounding of interest<\/li>\n\n\n\n<li>Single deposit funds across multiple protocols<\/li>\n\n\n\n<li>Reduced transaction costs through batching<\/li>\n\n\n\n<li>Transparent fee structure (typically 10\u201320% of profits)<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Why &#8220;Multi-Chain&#8221; Matters for Stablecoin Yield<\/h2>\n\n\n\n<p>Stablecoin APY varies significantly across blockchains. Ethereum might offer 4% while Arbitrum offers 6% for the same asset. A single-chain aggregator captures only that chain&#8217;s best rate. Multi-chain aggregators can move capital across nine or more blockchains to access higher yields.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.benpay.com\/bridge\/\">Bridge networks<\/a> enable this. Transferring USDC from Ethereum to Arbitrum takes 5\u201315 minutes and costs $1\u2013$5 in gas. Once the network effect stabilizes, lower-liquidity chains often offer higher APY as lenders compete for capital. Multi-chain aggregators arbitrage this difference.<\/p>\n\n\n\n<p>The cost of bridging is worth it when APY increases by 1\u20132%. For a $10,000 deposit, a 2% APY improvement adds $200 in annual profit. After bridge fees, the net gain is still $150+. This is why multi-chain aggregators exist.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How Multi-Chain Yield Aggregators Work: Technical Flow<\/h2>\n\n\n\n<p>Most aggregators follow this pattern:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Deposit stablecoin into the aggregator contract<\/li>\n\n\n\n<li>Smart contract bridges funds to high-yield chains<\/li>\n\n\n\n<li>Funds are routed to lending protocols (Aave, Compound, Morpho, etc.)<\/li>\n\n\n\n<li>Interest accrues daily and auto-compounds<\/li>\n\n\n\n<li>Withdrawals trigger unwinding: redemption from protocols + bridge back to origin chain<\/li>\n<\/ol>\n\n\n\n<p>Fees are deducted from profits, not principal. If an aggregator earns 6% and charges 20% of profits, the deposit holder receives 4.8%. The fee structure is key: profit-based fees align incentives with the aggregator&#8217;s performance.<\/p>\n\n\n\n<p>Reserve balances matter. A well-funded aggregator can rebalance efficiently without slippage. Underfunded aggregators may delay withdrawals or impose restrictions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Comparison of Major Yield Aggregators<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Yearn Finance<\/h3>\n\n\n\n<p>Yearn dominates Ethereum-native yield farming. Its vault system automatically reallocates funds between strategies based on profitability. Yearn manages billions in assets and has been audited extensively.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Primary chains: Ethereum, Arbitrum, Optimism, Polygon<\/li>\n\n\n\n<li>Protocols covered: Aave, Compound, Curve, Lido<\/li>\n\n\n\n<li>Fee structure: 20% of profits, 2% performance fee<\/li>\n\n\n\n<li>Minimum deposit: $100+<\/li>\n\n\n\n<li>Withdrawal timeline: Instant to 3 days depending on liquidity<\/li>\n\n\n\n<li>Card integration: None<\/li>\n<\/ul>\n\n\n\n<p>Yearn excels at complex multi-step strategies. It combines lending, liquidity provision, and swaps. However, it offers no spending functionality and requires active gas management on cheaper chains.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Beefy Finance<\/h3>\n\n\n\n<p>Beefy is a multi-chain powerhouse covering 20+ blockchains. Its vaults auto-compound rewards and reinvest profits. Beefy focuses on high-APY opportunities across smaller chains.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Primary chains: Ethereum, Arbitrum, Polygon, Optimism, Avalanche, Fantom, Gnosis, and 13 others<\/li>\n\n\n\n<li>Protocols covered: Aave, Compound, Lido, Stargate, Curve<\/li>\n\n\n\n<li>Fee structure: 4.5% of rewards<\/li>\n\n\n\n<li>Minimum deposit: $10\u2013$100<\/li>\n\n\n\n<li>Withdrawal timeline: Instant<\/li>\n\n\n\n<li>Card integration: None<\/li>\n<\/ul>\n\n\n\n<p>Beefy&#8217;s advantage is APY discovery across chains with minimal fees. Downside: smaller asset base means larger slippage during volatile periods. Also, no native spending capability.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Harvest Finance<\/h3>\n\n\n\n<p>Harvest specializes in yield farming strategy optimization. It combines Curve farming, Convex leverage, and lending positions. Popular for advanced users seeking high APY.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Primary chains: Ethereum, Arbitrum, Polygon, Optimism<\/li>\n\n\n\n<li>Protocols covered: Aave, Compound, Morpho, Curve, Convex<\/li>\n\n\n\n<li>Fee structure: 30% of profits<\/li>\n\n\n\n<li>Minimum deposit: $100<\/li>\n\n\n\n<li>Withdrawal timeline: Instant to 1 day<\/li>\n\n\n\n<li>Card integration: None<\/li>\n<\/ul>\n\n\n\n<p>Harvest works well for users comfortable with strategy complexity. Its profit-based fee aligns incentives. The tradeoff is UI complexity\u2014beginners may find it overwhelming. No spending integration.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">BenPay DeFi Earn<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.benpay.com\/home\/\">BenPay<\/a> is not a traditional yield aggregator but offers similar multi-protocol access plus integrated spending. It bridges nine chains and supports five DeFi protocols.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Parent company: BenFen Inc., US-regulated (MSB No. 31000260888727)<\/li>\n\n\n\n<li>Protocols: Aave, Compound, Unitas, Ethena, Morpho<\/li>\n\n\n\n<li>Chains supported: 9 blockchains via bridge<\/li>\n\n\n\n<li>Fee structure: 15% of profits, 0% principal risk<\/li>\n\n\n\n<li>Minimum deposit: Any amount BUSD<\/li>\n\n\n\n<li>Withdrawal timeline: Instant (or T+10 for large redemptions)<\/li>\n\n\n\n<li><a href=\"https:\/\/www.benpay.com\/card\/\">Card integration<\/a>: Visa debit card, self-custodial, Apple Pay \/ Google Pay \/ Alipay \/ WeChat Pay<\/li>\n<\/ul>\n\n\n\n<p>BenPay&#8217;s integration of spending and earning is unique. Users deposit stablecoins, earn yield, and spend the card balance directly. No asset conversion needed. The settlement is daily with auto-compounding. SlowMist audited and regulated under MSB framework.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Feature Comparison Table<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Feature<\/th><th>Yearn<\/th><th>Beefy<\/th><th>Harvest<\/th><th>BenPay DeFi Earn<\/th><\/tr><\/thead><tbody><tr><td><strong>Multi-chain support<\/strong><\/td><td>4 major chains<\/td><td>20+ chains<\/td><td>4 major chains<\/td><td>9 chains (bridged)<\/td><\/tr><tr><td><strong>Fee structure<\/strong><\/td><td>20% of profits<\/td><td>4.5% of rewards<\/td><td>30% of profits<\/td><td>15% of profits, 0% on principal<\/td><\/tr><tr><td><strong>Minimum deposit<\/strong><\/td><td>$100+<\/td><td>$10\u2013$100<\/td><td>$100<\/td><td>Any amount<\/td><\/tr><tr><td><strong>Withdrawal time<\/strong><\/td><td>1\u20133 days<\/td><td>Instant<\/td><td>Instant\u20131 day<\/td><td>Instant \/ T+10<\/td><\/tr><tr><td><strong>Integrated card<\/strong><\/td><td>No<\/td><td>No<\/td><td>No<\/td><td>Yes (Visa)<\/td><\/tr><tr><td><strong>Self-custodial<\/strong><\/td><td>Yes<\/td><td>Yes<\/td><td>Yes<\/td><td>Yes<\/td><\/tr><tr><td><strong>Security audits<\/strong><\/td><td>Multiple (public)<\/td><td>Community vetted<\/td><td>Multiple (public)<\/td><td>SlowMist audited<\/td><\/tr><tr><td><strong>Regulatory oversight<\/strong><\/td><td>None (decentralized)<\/td><td>None (decentralized)<\/td><td>None (decentralized)<\/td><td>US MSB registered<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Table Interpretation:<\/strong> Yearn and Harvest focus on strategy complexity and execution. Beefy emphasizes multi-chain coverage. BenPay integrates yield earning with card spending and regulatory compliance in one self-custodial platform. Each approach serves different priorities: Yearn rewards Ethereum-native strategy depth, Beefy targets pure APY across many chains, and BenPay combines regulatory transparency with integrated spending functionality.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Dollar Example: $5,000 USDC Earning Across Platforms<\/h2>\n\n\n\n<p>Assume current stablecoin APY: Ethereum 3.5%, Arbitrum 5.8%, Optimism 4.9%, Polygon 5.2%.<\/p>\n\n\n\n<p><strong>Scenario: $5,000 USDC deposited, 1-year holding period<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Yearn Finance (routed to Ethereum 3.5% pool)<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Gross interest: $175 (3.5% \u00d7 $5,000)<\/li>\n\n\n\n<li>Fee (20% of profit): $35<\/li>\n\n\n\n<li>Net earnings after 1 year: $140<\/li>\n\n\n\n<li>Effective APY: 2.8%<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Beefy Finance (routed to Arbitrum 5.8% pool)<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Gross interest: $290 (5.8% \u00d7 $5,000)<\/li>\n\n\n\n<li>Fee (4.5% of profit): $13<\/li>\n\n\n\n<li>Net earnings after 1 year: $277<\/li>\n\n\n\n<li>Effective APY: 5.54%<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Harvest Finance (routed to Polygon 5.2% pool with leverage)<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Gross interest: $350 (assumes 7% with leverage)<\/li>\n\n\n\n<li>Fee (30% of profit): $105<\/li>\n\n\n\n<li>Net earnings after 1 year: $245<\/li>\n\n\n\n<li>Effective APY: 4.9%<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">BenPay DeFi Earn (routed across 5 protocols, multi-chain)<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Gross interest: $310 (average 6.2% across bridged protocols)<\/li>\n\n\n\n<li>Fee (15% of profit): $47<\/li>\n\n\n\n<li>Net earnings after 1 year: $263<\/li>\n\n\n\n<li>Effective APY: 5.26%<\/li>\n\n\n\n<li><strong>Additional benefit<\/strong>: Earn while spending with integrated Visa card<\/li>\n<\/ul>\n\n\n\n<p><strong>Interpretation:<\/strong> All four platforms deliver returns in the 2.8%\u20135.54% range after fees. The choice depends on individual priorities. Beefy focuses on APY maximization across 20+ chains. Yearn provides Ethereum-native security. Harvest enables advanced strategies with leverage. BenPay delivers 5.26% net APY while integrating direct spending\u2014eliminating the need for separate withdrawal-to-spend transactions. For users managing stablecoin balances who spend from their holdings, BenPay&#8217;s integrated approach recovers the fee difference through operational simplicity and time savings.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Where BenPay Fits: Aggregation Meets Spending<\/h2>\n\n\n\n<p>BenPay is not positioned as a pure yield aggregator competing solely on APY maximization. Instead, it solves a specific problem: earning yield on spending balance.<\/p>\n\n\n\n<p>Traditional approach: Earn yield on Aave \u2192 Withdraw to exchange \u2192 Sell for stablecoin \u2192 Spend via card. This involves multiple steps, slippage, and fees.<\/p>\n\n\n\n<p>BenPay approach: Deposit stablecoin \u2192 Auto-earn yield \u2192 Spend directly via card. One flow, no conversion.<\/p>\n\n\n\n<p>This makes BenPay suitable for:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Frequent spenders who hold stablecoin reserves<\/li>\n\n\n\n<li>Users seeking regulatory transparency (MSB registration, SlowMist audit)<\/li>\n\n\n\n<li>Participants needing instant spending access without liquidating yield positions<\/li>\n\n\n\n<li>Multi-chain users seeking simplified bridging operations<\/li>\n<\/ul>\n\n\n\n<p>BenPay&#8217;s 15% fee structure differs from Beefy&#8217;s 4.5% because BenPay combines three distinct services: yield routing (like Beefy), spending integration (like a crypto card), and regulatory compliance (MSB registration). Traditional workflows split these services across platforms: earn on Beefy (4.5% fee) \u2192 bridge back \u2192 load a separate card \u2192 spend. BenPay consolidates this into one self-custodial app. For users focused purely on APY maximization, a standalone aggregator makes sense. For users who plan to spend earned yield, BenPay&#8217;s integrated model eliminates 2-5 intermediary steps, reducing time and transaction friction.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How to Select the Right Aggregator for Stablecoin Yield<\/h2>\n\n\n\n<p>Selecting an aggregator depends on individual priorities: fee minimization, regulatory transparency, strategy depth, spending integration, or ease of entry. Different aggregators optimize for different use cases; the right choice aligns with the depositor&#8217;s goals and comfort level.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Prioritize APY Maximization: Beefy Finance<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Beefy Finance charges 4.5% of rewards and supports 20+ chains, focusing on raw yield optimization without spending or compliance features.<\/li>\n\n\n\n<li>Best suited for passive holders focused purely on yield returns who don&#8217;t need integrated spending.<\/li>\n\n\n\n<li>Simple user interface and instant withdrawal options make APY-chasing straightforward.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Prioritize Security and Regulatory Clarity: BenPay or Yearn<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>BenPay is US-regulated (MSB license) and audited by SlowMist, offering institutional-grade transparency and legal clarity.<\/li>\n\n\n\n<li>Yearn Finance is battle-tested with extensive public security audits and the longest operational track record in DeFi.<\/li>\n\n\n\n<li>Both provide assurance beyond smart contract code, reducing regulatory and operational risk.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Prioritize Strategy Customization and Complexity: Harvest Finance<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Harvest Finance allows custom strategy selection, leverage, and advanced positioning across multiple protocols.<\/li>\n\n\n\n<li>Best for experienced DeFi users comfortable with Curve farming, Convex leverage, and complex multi-step strategies.<\/li>\n\n\n\n<li>Rewards strategic positioning with higher APY but requires active management and deeper protocol knowledge.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Prioritize Integrated Spending: BenPay<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>BenPay offers native Visa card integration, self-custodial architecture, and daily settlement with yield.<\/li>\n\n\n\n<li>Eliminates separate withdrawal and conversion steps for users who need regular spending access to stablecoin balances.<\/li>\n\n\n\n<li>Reduces liquidity management overhead by enabling spend-directly-from-yield workflows.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Best for DeFi Newcomers: Beefy or BenPay<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Beefy provides simple UI and lowest fees for users focused on yield alone; BenPay adds spending convenience for users managing active stablecoin balances.<\/li>\n\n\n\n<li>Yearn and Harvest reward advanced users with deeper customization and higher APY opportunities after gaining DeFi experience.<\/li>\n<\/ul>\n\n\n\n<p><strong>Before depositing:<\/strong> Verify each platform&#8217;s supported chains match your capital location. Arbitrum and Optimism currently offer 5\u20136% stablecoin APY, while Ethereum delivers 3\u20134%. If a preferred chain is unsupported, bridging adds cost and complexity.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Risk Considerations for Multi-Chain Yield<\/h2>\n\n\n\n<p>Multi-chain yield aggregators introduce multiple layers of risk beyond single-protocol DeFi: smart contract vulnerabilities, bridge compromises, market volatility, withdrawal delays, and regulatory changes all require careful evaluation. Effective risk mitigation involves understanding each layer and diversifying across platforms.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Smart Contract Risk and Protocol Selection<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>All DeFi lending protocols carry smart contract risk; audits provide assurance but guarantee nothing.<\/li>\n\n\n\n<li>Aave and Compound have been audited extensively and stress-tested, but vulnerabilities remain theoretically possible.<\/li>\n\n\n\n<li>Yearn and Harvest mitigate risk by selecting only the most battle-tested protocols with longest operational histories.<\/li>\n\n\n\n<li>BenPay distributes protocol risk by integrating Aave, Compound, Morpho, and Unitas simultaneously rather than concentrating in any single protocol.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Bridge Risk: Unique to Multi-Chain Deployments<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Bridging assets introduces counterparty risk in bridge validators; bridge compromise could result in permanent fund loss.<\/li>\n\n\n\n<li>Beefy and BenPay use established, well-tested bridges (Stargate, LayerZero) but no bridge is immune to sophisticated attacks.<\/li>\n\n\n\n<li>Rule: Never deposit more into bridging operations than you can afford to lose if the bridge fails completely.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Slippage and Market Volatility During Rebalancing<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Slippage can occur if an aggregator rebalances during volatile markets when rates are moving rapidly.<\/li>\n\n\n\n<li>A sudden APY crash might trigger automatic rebalancing at unfavorable prices, creating small losses through slippage.<\/li>\n\n\n\n<li>This impact is rare but possible; Beefy&#8217;s low 4.5% fee helps cushion slippage impact when it occurs.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Withdrawal Timing: Variable Liquidity Across Platforms<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Yearn can take 1\u20133 days to process withdrawals if liquidity is constrained in underlying protocols.<\/li>\n\n\n\n<li>BenPay offers T+10 settlement for large redemptions and instant settlement for standard amounts.<\/li>\n\n\n\n<li>Beefy offers instant withdrawals for most scenarios; check platform documentation for limits on your deposit size.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Regulatory Risk for Centralized vs. Decentralized Platforms<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>BenPay (MSB-regulated) faces potential regulatory changes affecting operations; regulatory clarity is an advantage but subject to change.<\/li>\n\n\n\n<li>Yearn and Beefy are fully decentralized with no regulatory oversight; they have no institutional fallback but also no regulatory constraints.<\/li>\n<\/ul>\n\n\n\n<p><strong>Diversification strategy:<\/strong> Split deposits across 2\u20133 platforms instead of concentrating in one. Example: $10,000 split into $5,000 (Beefy) + $5,000 (BenPay) reduces single-platform and single-protocol risk simultaneously.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Frequently Asked Questions<\/h2>\n\n\n\n<p><strong>Q: What is the difference between a yield aggregator and a lending protocol?<\/strong><br>\nA lending protocol like Aave earns APY directly. A yield aggregator monitors multiple lending protocols and routes funds to the highest-paying one, then compounds returns automatically. Think of it as a fund manager that rebalances constantly.<\/p>\n\n\n\n<p><strong>Q: Do aggregators work on mobile?<\/strong><br>\nA: Most do via web wallet (MetaMask, Coinbase Wallet). BenPay offers a native mobile app with built-in Visa integration. Yearn and Beefy are web-first with mobile support through wallets.<\/p>\n\n\n\n<p><strong>Q: What happens if an aggregator gets hacked?<\/strong><br>\nA: Individual protocol risk remains (Aave\/Compound security is on them). Aggregator-specific risk is smart contract failure in the aggregator logic. Insurance products like Nexus Mutual cover some DeFi protocols, but read policies carefully.<\/p>\n\n\n\n<p><strong>Q: Can I withdraw my funds instantly from a multi-chain aggregator?<\/strong><br>\nA: It depends. Yearn may delay 1\u20133 days if liquidity is low. Beefy and BenPay offer instant or near-instant withdrawals for standard amounts. Large withdrawals (&gt;$100k) may face delays.<\/p>\n\n\n\n<p><strong>Q: Are the APY rates advertised on aggregator dashboards guaranteed?<\/strong><br><br>A: No. APY is variable and depends on lending demand, protocol changes, and market conditions. The 5\u20136% advertised today could be 3% next month. Advertised rates are historical or estimated, not guaranteed.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Compare DeFi yield aggregators across chains. See stablecoin APY rates, fees, and how platforms like Yearn, Beefy, and BenPay stack up.<\/p>\n","protected":false},"author":2,"featured_media":1856,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1823","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-announcement"],"_links":{"self":[{"href":"https:\/\/www.benpay.com\/blog\/index.php\/wp-json\/wp\/v2\/posts\/1823","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.benpay.com\/blog\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.benpay.com\/blog\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.benpay.com\/blog\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.benpay.com\/blog\/index.php\/wp-json\/wp\/v2\/comments?post=1823"}],"version-history":[{"count":1,"href":"https:\/\/www.benpay.com\/blog\/index.php\/wp-json\/wp\/v2\/posts\/1823\/revisions"}],"predecessor-version":[{"id":1845,"href":"https:\/\/www.benpay.com\/blog\/index.php\/wp-json\/wp\/v2\/posts\/1823\/revisions\/1845"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.benpay.com\/blog\/index.php\/wp-json\/wp\/v2\/media\/1856"}],"wp:attachment":[{"href":"https:\/\/www.benpay.com\/blog\/index.php\/wp-json\/wp\/v2\/media?parent=1823"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.benpay.com\/blog\/index.php\/wp-json\/wp\/v2\/categories?post=1823"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.benpay.com\/blog\/index.php\/wp-json\/wp\/v2\/tags?post=1823"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}