If you’ve come across something called Automatic Payment Pools by Andy Howard, you might be wondering what it actually is.
Maybe you’ve seen a video presentation about it, or you’ve heard Andy Howard talk about how you can earn yields of 50% to 250%—whether the market is booming or crashing. That’s a bold claim, and naturally, it makes you want to dig deeper.
I want to reveal what it is and what it isn’t (quite some misleading material out there) so that you can make your mind up on whether this is something you want to involve yourself in.
Before we dive in..
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Key Takeaways (In case you are in a hurry!)
- Automatic Payment Pools is a $297 training program by Andy Howard that teaches you how to earn passive income by investing in crypto liquidity pools within the Decentralized Finance (DeFi) space.
- The program emphasizes depositing pairs of cryptocurrency tokens into liquidity pools, where you earn a share of transaction fees (typically 0.3%).
- Andy Howard teaches you how to use the “ideal correlation ratio” to identify the best liquidity pools with high volume and low participation, promising consistent returns regardless of market conditions.
- The marketing pushing the program downplays the significant risks in the DeFi space.
- VERDICT: Automatic Payment Pools is legitimate in that it teaches real DeFi concepts, but it offers little unique information that you can’t find for free elsewhere.
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What is Automatic Payment Pools?
Automatic Payment Pools is a training program by Andy Howard that teaches you how to invest in something called liquidity pools—which are part of the Decentralized Finance (DeFi) space.
He says that it is a way for you to start earning passive income, whether the markets are doing well or crashing.
What Andy is actually teaching is how to become a liquidity provider and generate passive income through transaction fees in the crypto market. I will explain how all of it works in a moment.
You may have seen a pitch like this when you search “automatic payment pools” on Google.
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If you type automaticpaymentpools.com into your web browser, you will be redirected to a website called Awesomely, and from there, you can spot automatic payment pools by clicking the blue “explore programs” button.
This is how they describe Automatic Payment Pools, and as you can see, it costs $297:
As they describe it, you get 5 video modules where Andy Howard teaches you:
- The basics of Bitcoin, altcoins, and blockchain.
- How to generate fee payments as a crypto “liquidity provider”
- How to build wealth in crypto regardless of whether the market goes up or down
As they allege there, the program is meant for new and experienced crypto investors.
Personally, I think the new investors may find some utility with the course; experienced investors won’t.
Some descriptions of the program you’ll find on the internet misrepresent it as an automated payment processing system, but that’s not what it is at all.
I saw this on a website called Giga Courses, and I found it to be misleading:
Instead, it’s all about how you can put your crypto into liquidity pools and earn money as people trade.
So, before I go any further, let’s take a step back and understand what DeFi and liquidity pools actually are.
If you are already conversant with what they are, feel free to skip this part and jump straight to how automatic payment pools work.
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What is DeFi and Liquidity Pools?
Decentralized Finance (DeFi) is a decentralized financial system that operates without traditional banks or financial intermediaries.
Think about how banks work. If you want to send money, take out a loan, or even just earn interest on your savings, you usually have to go through a bank or some other institution. They set the rules, they hold your money, they take fees, and they decide who gets access to what.
DeFi flips that whole system on its head by using blockchain technology—smart contracts running on decentralized networks like Ethereum—to let people do all of those things without needing a bank in the middle.
Instead of a bank approving your loan, for example, you could use a DeFi platform where people lend money to each other directly, with the terms handled by smart contracts—self-executing code that makes sure everything runs fairly.
If you’re providing liquidity (lending your crypto out), you can earn interest, often way higher than what banks offer. Also, you don’t have credit checks or middlemen taking their cut.
The downside is that with no intermediary overseeing things, the responsibility is on you to manage your funds carefully. Hacks, smart contract bugs, and market volatility can all be risks.
One of the biggest innovations in DeFi is liquidity pools.
In traditional finance, when you want to trade something—let’s say you’re swapping dollars for euros—you usually rely on an order book system where buyers and sellers are matched up. But in DeFi, there isn’t always a direct buyer or seller at any given moment, so instead of waiting for a trade match, we use something called a liquidity pool.
A liquidity pool is a big pot of funds (or crypto fund) that people contribute to, and it allows trades to happen instantly. Let’s say you want to swap Ethereum for USDC (a stablecoin). Instead of needing to find someone who wants to trade with you at that exact moment, you just interact with a smart contract that pulls from the liquidity pool.
The pool already has ETH and USDC in it, provided by other users who have locked up their crypto in exchange for earning a small share of the trading fees.
Think of it like this: imagine you walk into a store that always has the exact currency you need, no matter what you’re exchanging. The reason it’s always stocked is that a bunch of people (liquidity providers) have put their money into the system, and in return, they get rewarded with a cut of the transaction fees.
But because it’s all automated and decentralized, the price of an asset in a liquidity pool is determined by an algorithm, not by buyers and sellers negotiating. The more one asset is bought, the more its price increases compared to the other, which helps keep the balance.
The major downside is something called “impermanent loss,” which means if the price of the assets in the pool changes a lot, you might end up with less value than if you had just held onto your crypto. But for many, the rewards from fees and other incentives make it worth the risk.
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How You Make Money as a Liquidity Provider
Andy Howard’s Automatic Payment Pools training program is centered around the idea that you can make passive income by becoming a liquidity provider. But how does that work?
To provide liquidity, you deposit pairs of tokens into a liquidity pool. For example, let’s say you choose an ETH/USDC pool. That means you’d need to deposit an equal value of Ethereum (ETH) and USD Coin (USDC) into the pool. In return, you get liquidity provider (LP) tokens, which represent your share of the pool.
Whenever someone swaps one token for another in the pool, they pay a small fee (usually around 0.3%). That fee is distributed to all liquidity providers based on how much they contributed. The more you contribute, the more you earn from those transaction fees.
What Andy Howard Claims to Teach
Andy Howard’s pitch in Automatic Payment Pools is that he has a special strategy for choosing the best liquidity pools that will make you money for months, not just a few days.
He claims that most people make the mistake of jumping into pools that either have too many participants (which reduces individual earnings) or pools that dry up quickly.
He uses something the “ideal correlation ratio” to identify pools with high volume and low participation.
According to him, this method helps pinpoint which pools are likely to generate the best returns over time.
He also suggests that he can show you how to position yourself in pools before big money flows in, so you can take advantage of the best returns.
Let me describe the ideal correlation ratio, and you can skip this if you already know what it is:
What is the ideal correlation ratio?
As liquidity pools rely on algorithms to set prices, the ideal correlation ratio is basically the sweet spot for how two assets in a pool should move in relation to each other. In an ideal world, you want the assets in a pool to have a predictable relationship so that price shifts don’t mess up the balance too much.
For example, let’s say you have a liquidity pool with ETH and wrapped Bitcoin (WBTC). These two assets are usually highly correlated because Bitcoin and Ethereum tend to move in the same general direction. If one goes up, the other often follows to some degree.
That makes for a relatively stable pool where liquidity providers don’t face extreme risks. The closer the correlation ratio is to 1:1, the more balanced the pool remains, and the less risk liquidity providers take when market prices fluctuate.
Now, contrast that with something like an ETH and a meme coin pool. If ETH is surging because of some big adoption news, but the meme coin is just doing its own thing (or crashing), the pool can become very unbalanced.
That’s when liquidity providers can suffer from impermanent loss—they might end up withdrawing less valuable assets than they put in. That’s why pools with assets that are highly correlated tend to be safer and more efficient.
Now, here’s the tricky part—perfect correlation doesn’t really exist. Even assets that seem to move together can diverge due to unpredictable market events. A great example is stablecoin pairs. You’d think USDC and USDT should always be 1:1, right?
But if one of them has a regulatory issue or depeg (like we saw with USDC after the SVB bank collapse), that correlation can break, causing unexpected losses for liquidity providers.
On top of that, high correlation doesn’t always mean high rewards. Some liquidity providers prefer riskier pools because they offer higher returns due to increased volatility and trading fees.
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Can You Make Money Just Investing $50
Another selling point in his pitch is that you can start investing with as little as $50. This is technically true—some liquidity pools allow small deposits—but in reality, you might need a bit more to see meaningful returns after factoring in transaction fees (which can be high on some blockchains like Ethereum).
Andy suggests that no matter what happens in the crypto market—whether it’s a bull run or a crash—you can still earn money from liquidity pools.
This is partly true because trading never stops in crypto. But what he doesn’t emphasize enough is that DeFi markets can be volatile, and smart contract risks, hacks, and impermanent loss can all impact profitability.
Is Automatic Payment Pools Legit?
If you’re completely new to DeFi and liquidity pools, the idea of earning passive income from transaction fees might sound appealing. And it is a real way to make money in crypto—many DeFi investors use liquidity pools as a revenue stream.
However, always approach programs like Automatic Payment Pools with some skepticism.
What Andy is teaching isn’t some secret strategy that only he knows. The concept of liquidity pools and earning fees is widely known in the crypto world, and there are plenty of free resources online that explain how to do it.
What Andy is really offering is structured training that walks you through the process in a simplified way. That might be useful if you prefer guided learning, but it’s worth considering whether you need to pay for this kind of information when you can find it elsewhere for free.
Automatic Payment Pools is not an automated payment processing system, despite what some descriptions suggest. It’s a crypto investing training program that teaches you how to provide liquidity in DeFi and earn passive income from transaction fees.
If you’re interested in DeFi and liquidity pools, do your own research before investing. Understand the risks involved, look into different liquidity pools, and consider starting small if you’re new to the space.
If you’re already familiar with DeFi, you might not find much in Andy Howard’s course that you couldn’t learn on your own. Either way, knowing how liquidity pools work is crucial before putting your money into them.
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