Answer2: The net difference of 8.12%-5.18% is 2.94%, as stated in the question. This difference is due to the announcement from JustLend that they are adjusting the APY algorithm of their USDD Supply Mining. This adjustment will result in a higher APY of 8.12%, compared to the previous 5.18%. This change is designed to help users earn more rewards for their deposits and investments in the JustLend platform.