Want to earn risk-free returns in the crypto market? This USD1 lending + wealth management arbitrage strategy is definitely worth exploring.

The idea is quite straightforward, divided into three steps:

**Step 1: Borrow cheaply**
USD1 lending platforms offer very low borrowing costs. Using BNB as collateral, the lending rate is only 0.41%. BTC and ETH are also available as collateral, though the rates may vary slightly. This cost is already among the lowest in the industry.

**Step 2: Earn high yields by depositing**
Deposit the borrowed USD1 into top-tier exchange wealth management products, which can offer an annualized yield of up to 20%. This return is quite good among stablecoin products.

**Step 3: Cycle closure**
At the end of the activity period, redeem the USD1 and release the collateral on the lending platform. That’s it.

**The math is straightforward**
20% deposit yield - 0.41% borrowing cost ≈ 19% arbitrage margin. There’s no complex hedging or black technology involved, just exploiting yield differences across platforms.

Of course, such arbitrage opportunities are usually time-sensitive, with limited activity periods, and yields may fluctuate. Suitable for users with idle funds and risk management awareness to try. Overall, this is a common cross-platform arbitrage case in the DeFi ecosystem, and experienced players have been doing it for a while.