88mph is a non-custodial protocol that makes it easy to earn a fixed rate on cryptocurrency and stablecoin, speculate on future yields, and be rewarded with various incentives. 88mph offers two non-custodial on-chain products: 1. A fixed-term, fixed-rate yield product acting as an intermediary between users and third-party variable yield rate lending protocols to offer the best fixed yield rate on capital, with a custom maturity up to one year. 2. A yield speculation instrument, called Yield Tokens (YTs), allowing users to speculate on the variable yield rate of third-party protocols such as Compound or Aave.