Federal Reserve Policy Shift: Three Major Paths for Ordinary People to Seize the Last Wealth Opportunities of 2024

When the Federal Reserve announced the end of its three-year quantitative tightening (QT), the balance of global capital markets was undergoing a structural tilt. This policy shift not only marks the end of the tightening cycle but also heralds the beginning of a new era of liquidity expansion. For ordinary investors, this may be the most strategically significant window period in the past five years—key lies in how to accurately capture the direction of capital flows and lock in truly valuable long-term tracks.

1. Three Signals from the Federal Reserve: The Liquidity Revolution Has Begun

1. The balance sheet changes from "suction pump" to "water pump"

Starting from December 2025, the Federal Reserve will implement a 100% reinvestment of maturing bonds, injecting approximately $30 billion in liquidity into the market each month. This operation is akin to restarting the quantitative easing model of 2020-2021, but on a more controllable scale. According to Morgan Stanley's calculations, this move will raise the excess reserve ratio of the banking system to over 12%, laying a foundation for credit expansion.

2. Interest rate policy enters the "two-way channel"

Although this time the interest rate was only lowered by 25 basis points, Powell's hawkish statement that "a rate cut in December is far from a certainty" has effectively created greater policy flexibility in the market. Currently, federal funds futures indicate that the probability of a cumulative rate cut of 75 basis points by Q1 2026 has risen to 68%, which will provide ongoing support for risk assets.

3. Currency market stress test results push for a shift

In October, the SOFR and IOER spread surpassed 9 basis points, and the excess reserve ratio of the banking system dropped to 9.8%. These data have reached the "systemic risk alert line" set by the Federal Reserve. The policy shift is not driven by economic data but is an inevitable result of the need for stability in the financial system.

II. The Underlying Trends of Institutional Funds: Layer 2 Track Becomes the New Favorite

While retail investors are still debating "whether to enter the market," smart money has already completed its layout. CoinMetrics data shows that since October, the amount of funds injected by institutional investors into the Layer 2 ecosystem has surged by 47% month-over-month, with the Linea ecosystem accounting for 38%, becoming the core target for institutional allocation. Behind its rise are three underlying logics:

1. Technological Gap: Perfect Balance of Performance and Compatibility

Linea's zkEVM architecture achieves a breakthrough of "Ethereum compatibility + one million TPS", with transaction fees reduced to $0.0005, a 90% decrease compared to Arbitrum and Optimism. This technological advantage makes it the preferred platform for migrating Web3.0 applications.

2. Ecological Outbreak: 400+ Projects Building Value Networks

TVL突破10亿美元，日活用户超30万，DeFi、NFT、GameFi三大赛道齐头并进。DeFi协议如Radiant Capital和Dodo已实现链上日均1.2亿美元的交易量，生态内生增长动力强劲。

3. Closed-loop funding: Self-reinforcing liquidity engine

By establishing direct settlement channels with stablecoin issuers such as Circle and Tether, Linea creates a virtuous cycle of "institutional capital inflow → ecological application prosperity → user growth → capital retention." Currently, its stablecoin reserve accounts for 65% of the total TVL, and its capital retention efficiency significantly exceeds the industry average.

III. Three Practical Paths for Ordinary People to Seize Opportunities

Path One: Anchor Core Ecological Assets

Focusing on the top 20 protocols by TVL, with an emphasis on:

- Decentralized Exchange (DEX): Prioritize projects with order book innovations

- Lending Agreement: Focus on products that support multi-asset collateral and automatic yield compounding.

- Staking Derivatives: Choose protocols that establish deep cooperation with mainstream L1 chains.

Path 2: Layout Infrastructure Dividend

With the expansion of the ecosystem, there will be an explosion of demand in areas such as data indexing layers (like The Graph), node services (like Eigenlayer), and development tools (like Foundry). Although the valuations of these types of projects have not yet been fully realized, they possess the advantages of "deep moats and little competition."

Path Three: Deeply Engage in Ecological Interaction

By frequently using core applications to accumulate contribution values, not only can one gain eligibility for airdrops, but it may also trigger early user reward programs. For example, the "L2 Staker Incentive Program" recently launched by Linea offers an annualized return rate of up to 12%-18%, which is prioritized for active users.

IV. Risk Warning and Operational Suggestions

Despite the enormous opportunities, one must be wary of three risks:

1. Short-term volatility risk: The Federal Reserve's policies may be subject to fluctuations, it is recommended to adopt a "dollar-cost averaging + grid trading" strategy to diversify risks.

2. Project Compliance Risk: Prioritize projects that have passed SOC2 audits and regulatory sandbox certifications.

3. Technical Migration Risk: Focus on the Impact of Ethereum Cancun Upgrade on Layer 2 Ecosystem

Investors are advised to adopt a configuration strategy of "30% position for trial, 40% position for medium-term holding, and 30% position for observation," gradually building positions during the early stage of liquidity easing. Historical experience shows that real wealth opportunities often arise when market consensus has not yet fully formed—this moment of hesitation may mean missing the starting point of the next decade of Bitcoin.

As the Federal Reserve's monetary policy gates reopen, global capital is seeking new value lowlands. The Linea ecosystem, with its technological leadership, ecological integrity, and self-reinforcing financial capabilities, has demonstrated the potential to become the next "digital gold." For ordinary people, now is a critical window to lay out high-growth assets at a lower cost. Opportunities are fleeting, and action cannot be delayed. #广场发币瓜分千U奖池 #参与创作者认证计划月领$10,000 #十二月降息预测