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What are Andy Howards’ Automatic Payment Pools, “AMM v4”?

What are Andy Howards’ Automatic Payment Pools

March 11, 2024 by Theodor

Andy Howard claims to have found the most profitable income hack in history, which pays him as much as 126% per year.

It's not a royalty trust, REIT, or other traditional investment vehicle, but something called “Automatic Payment Pools.”


The Teaser

For the past few years, Wall Street has known about these “Automatic Payment Pools” and kept the public in the dark about them.

Source: automaticpaymentpools.com

Who is Andy Howard and why should we listen to him? Well, Andy is an entrepreneur and investor with nearly two decades of experience who has built up a seven-figure investment portfolio. 

This is my first time reviewing one of Andy's pitches, but it's far from the first time reviewing cash flow teasers. Having previously looked at Louis Navellier's “$50K Cash Comeback” and Jason Williams' “Stimulus Stipends” among others.

One of the highest-yielding dividend stocks in America at the moment is Ares Capital Corp. (Nasdaq: ARCC), which is a lender to private middle-market businesses carrying a 9.4% annual yield. That means it would take a $130,000 investment to earn $1,000 per month in income.

Not so with Andy's “Automatic Payment Pools.” 

These, he says, yield the same $1,000 per month from only a $9,500 investment, for an out-of-this-world yield of 126%.

This is the part where I am expecting Andy to tell us to sell contraband goods.

Fortunately, it doesn't come and instead, he credits an “explosive new technology” called AMM v4 for this cash-flowing investment opportunity, which is now available to us.

Daily Dividends?

Not only do these automatic payment pools have absurd yields, but they also don't make us wait months or entire calendar quarters for our money.

It pays out funds instantly in real-time.

Source: automaticpaymentpools.com

The screenshot gives it away that Andy is talking about cryptocurrency here. 

It was only a matter of time before we saw a new crypto pitch given the new bull market so far this year.

However, he's not talking up buying and holding some hot new coin or token. Instead, he's promoting investing in something called crypto liquidity pools, of which there are hundreds, and they all generate passive income fees.

As an example, another liquidity pool Andy boasts about pays him a much more subdued 110% annual yield.

Source: automaticpaymentpools.com

Andy promises to disclose everything he knows about these liquidity pools to us so that we can get a piece of the lucrative action as well.


The Pitch

All we need to know to help us turn liquidity pools into our own virtual ATMs has been distilled into a guide called Automatic Payment Pools.

Source: automaticpaymentpools.com

As expected, the “free program” is only available to subscribers of the complete Automatic Payment Pools system, which typically costs $249, but which Andy is offering to us for a one-time payment of $97 for a limited time.

A 100%, 30-day money-back guarantee is included, as is The Complete 3-Module Automatic Payment Pools System, a starter's guide for crypto beginners, two other bonus reports, and unlimited personal support.


What in The World Is AMM v4 And Liquidity Pools?

According to Andy, providing liquidity is the holy grail of cash flow investing.

This is because it is instant income. No matter if the market goes up, down, or sideways, just so long as there is trading volume, and there always is in all but the most obscure of securities, fees are collected. The man has a point here.

One look at Wall Street's top market makers and liquidity providers drives this point home.

By some accounts, the likes of Citadel Securities, Virtu Financial, and Jane Street Capital collectively account for more combined trading volume than the NYSE itself and they individually rake in billions of dollars per year doing it.

Becoming a Mini-Citadel

There now exists an opportunity to do the same thing these top Wall Street market makers do, only on a much smaller scale in the cryptocurrency market, through liquidity pools.

Simply put, a liquidity pool in cryptocurrency markets is a smart contract where tokens are locked to provide liquidity.

Such liquidity pools exist on decentralized crypto exchanges such as Uniswap, on which any user can opt to become a liquidity provider in crypto pairs. All you have to do is connect your crypto wallet to the exchange, select the crypto pair you wish to provide liquidity for, agree to a fee tier, and you're on your way to becoming a mini-citadel in less than six clicks. 

The “AMM v4” tech Andy briefly teased earlier simply stands for Automated Market Maker (AMM), which allows digital assets to be traded without permission and automatically by using liquidity pools instead of a traditional market of buyers and sellers and the v4 means version 4 of Uniswap's automated market maker protocol.

Like any business, there are tricks to the trade to optimize your profitability, like this gem that Andy dropped more than halfway through his video presentation, saying the key…

I wasn't able to confirm this next figure anywhere, given how relatively new the crypto liquidity provider (LP) market is and how decentralized it is (no pun intended).

But Andy noted it's already a $13.8 billion market, that is set to double in size over the next two years.

He calls it the “safest, most-predictable, hands-off investment on earth” and urges us to get our LP house in order before June 6th, 2024, which is when the SEC will meet to discuss and possibly take action on the federal government's 2022 executive order on the responsible development of digital assets.

So what are some liquidity pools we should be joining and putting our hard-earned money to work in?


Revealing Andy Howard's Automatic Payment Pool Pick

The only example cited by name in Andy's pitch is the Uniswap QNT/WETH Pool.

This liquidity pool earns a 0.3% fee per trade and yields a relatively modest, at least in crypto terms, annual yield of 27% per year due to its consistent trading volume and low relative risk.

No other liquidity pools are mentioned, which are reserved for Automatic Payment Pools system subscribers, but the big question is…are liquidity pools worth the effort to take part in and how much would we really be risking?


Simple, Straightforward, Hands-off, and Profitable?

I am going to take each of these claims and review them one by one.

When it comes to simplicity unless you already have a crypto wallet and have been buying and selling coins on a crypto exchange for at least a little while, jumping head-first into being a liquidity provider will feel like riding a bike for the first time with no training wheels.

There are how-to guides out there to help with this, but it takes an enterprising investor to tackle it.

As far as being a hands-off investment, this claim is accurate. Staking the crypto pairs you own in a liquidity pool is a passive income opportunity with associated risks, which I'll get to in a moment.

Now for the fun stuff, how profitable can liquidity pools be and what is the downside? 

Risk On, Risk Off

According to Atomic Wallet, some of the best cryptocurrencies to become a liquidity provider in, weighing both yield and associated risk, are Cosmos, Osmosis, and Terra Classic. Their liquidity pools carry annual yields of 22%, 22%, and 19%, respectively.

Not exactly triple-digit yields, as those are reserved for making markets in more exotic cryptos, but it's still higher than most other cash-flowing investments today.

One of the most significant risks in all of this is opportunity cost, which occurs when the value of one asset in a pair you own increases during the normal course of trading. However, this pales in comparison to the infamous unrealized losses of buying and holding crypto coins outright.

However, the single biggest risk I see is outright scams and rug pulls from altcoin projects with unscrupulous founders. The solution to this is only participating in established coins' liquidity pools.

At the end of the day, a liquidity pool is only as good as the underlying coin you're making a market in. So just like with equities, it makes sense to trade some yield for safety of principal and peace of mind.

If you're feeling adventurous, the potential rewards (yield) of being a crypto liquidity provider in a few established coins could outweigh the risks.


Quick Recap & Conclusion

  • Andy Howard claims to have found the most profitable income hack in history and it's not a royalty trust, REIT, or other traditional investment vehicle, but something called “Automatic Payment Pools.”
  • What Andy calls “Automatic Payment Pools” are crypto liquidity pools, in which we can become market makers/liquidity providers and earn above-average annual yields.
  • All we need to know to help us take part in such liquidity pools and turn them into our own virtual ATMs is a guide Andy has authored called Automatic Payment Pools.
  • One example of a liquidity pool is the Uniswap QNT/WETH Pool, which Andy claims to be a liquidity provider in himself, and which earns him a 0.3% fee per trade and an annual yield of 27%.
  • Being a crypto liquidity provider can be a legitimate source of passive income with more upside than downside if you can wrap your head around the nuances of a brand-new form of investing.

Is being a crypto liquidity provider something that you would try out? Drop a Yes or a No in the comments.


Theodor is an old school value guy, when he's not looking for great companies and great prices you can find him on the basketball court hooping.

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