New “gurus” pop up every week, each promising a secret system for turning small investments into life-changing passive income. One of the latest is Andy Howard, who runs a training course called Automatic Payment Pools.

According to Andy, his system can help you generate up to 126%+ annual yields—even in a bear market. Sounds impressive, right?

But there’s one small problem: parts of his offer look suspiciously similar to what’s being taught in Prime DeFi, a much more established crypto education platform created by Dan Ryder.

So the question becomes: Is Andy Howard offering something original and legitimate… or is this just a recycled version of someone else’s work?

Let’s break it down.

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What Is Automatic Payment Pools Review?

Automatic Payment Pools is a crypto course run by Andy Howard and hosted on a publishing platform called Awesomely.com.

It’s aimed at both beginners and intermediate investors, and it focuses on making money from liquidity pools in the world of decentralized finance (DeFi).

According to Andy, if you learn how to pick the right pools, you can supposedly earn consistent daily returns, ranging from 57% to 126%+ annually.

All you need is $50 to get started… or so the pitch says.

Sound Familiar? It Might Be…

Here’s where things get interesting: this concept of earning passive income from liquidity pools—paired with talk of “ideal correlation ratios” and front-running institutional money—isn’t exactly new.

In fact, Dan Ryder, the founder of Prime DeFi, has been teaching these exact strategies long before Automatic Payment Pools came along.

Prime DeFi has built a strong reputation in the crypto education space, and Dan is known for pioneering the method of using data-driven analysis to identify high-performing liquidity pools.

The overlap between his methods and what Andy Howard presents in his course raises a few eyebrows. While Andy never acknowledges Dan or Prime DeFi, many of the concepts he uses appear eerily familiar.

Coincidence? Maybe. But it’s enough to warrant some healthy skepticism.

The ONLY DeFi opportunity I recommend is from Dan Ryder, who has been successfully operating in this space for several years, with hundreds of students seeing real results. Click here for his free training that shows how it works.

What Does Andy Actually Teach?

Andy’s course is broken down into 5 video modules, covering:

Crypto basics (Bitcoin, altcoins, blockchain)
Introduction to DeFi and liquidity pools
How to become a liquidity provider
How to earn fees from trades in those pools
How to build long-term passive income regardless of market conditions

The total course length clocks in at about 8 hours, and costs $297 for lifetime access.

To be fair, it’s a structured walkthrough for those who want to start earning through DeFi—but again, most of what’s inside feels like it could have been lifted from other sources (including Prime DeFi).

Who Is Andy Howard?

Andy claims to be an investor and entrepreneur who once mocked crypto… until he realized it could help him preserve wealth and hedge against inflation.

Since then, he’s reportedly built a seven-figure crypto portfolio, now consults a hedge fund, and wants to help everyday investors tap into what he’s discovered.

Sounds great in theory, but Andy’s track record isn’t as well-documented as you might expect.

Compared to someone like Dan Ryder—who’s been consistently transparent about his strategies, investments, and results—Andy’s background feels a bit vague.

There’s no verifiable portfolio. No proven track record. Just a few marketing videos and some bold ROI claims.

Can You Really Earn 126% Per Year?

Let’s address the elephant in the room:

Claiming triple-digit returns, especially in volatile crypto markets, is bold. Borderline reckless, even.

Sure, liquidity pools can generate strong returns under the right conditions. But those conditions include high trading volume, low volatility, and minimal impermanent loss—none of which you can count on consistently.

While the “ideal correlation ratio” sounds scientific, there’s little publicly shared data to back it up. Unlike Prime DeFi, which openly shares its metrics and even has a community of investors vetting pools in real time, Andy’s method feels… well, a bit more opaque.

Pros and Cons of Automatic Payment Pools

✅ Pros:

Structured course content for beginners
Clear overview of DeFi and liquidity provisioning
Potential passive income opportunities

❌ Cons:

High price tag ($297) for recycled information
Possible knockoff of Dan Ryder’s Prime DeFi methods
No proof of Andy Howard’s crypto portfolio or results
Triple-digit ROI promises are unrealistic for most people

Red Flags and Missing Pieces

If you’ve been around the crypto space for a while, you know how common it is for newcomers to repackage proven strategies, slap a new logo on them, and pitch it as their own innovation.

And while Andy Howard might have some experience, the similarities to Prime DeFi can’t be ignored.

There’s no mention of:

Risk management techniques
Impermanent loss mitigation
How to actually audit a smart contract or protocol for safety
Verifiable trade history or LP earnings from Andy himself

These are essential when you’re asking someone to risk real money in a fast-moving market.

Is This Really Worth $297?

Let’s be honest—$297 for a crypto course isn’t outrageous… but it’s also not pocket change.

If you’re new to DeFi and want a general overview, Andy’s course might give you enough to get started.

But if you’re serious about understanding the mechanics of liquidity pools, choosing risk-adjusted strategies, and investing with confidence, you might be better off going straight to the original source—Prime DeFi by Dan Ryder.

Final Verdict: Looks Legit, But Lacks Originality

So… is Automatic Payment Pools a scam? No.
Is it the most original or trustworthy course out there? Also no.

While the content appears solid on the surface, it seems to heavily borrow from an existing and more established program without giving proper credit.

If you’re curious and have money to spare, it might be worth checking out. But if you value transparency, experience, and a proven system with an active community—Prime DeFi is the better bet.

Like I mentioned earlier, the ONLY DeFi education I can confidently endorse is Dan Ryder’s training. If you’re serious about earning passive income with lower risk, click here for more info.

I know you will make the right decision.

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