2026-01-08 15:26:21

A crypto friend of mine recently shared an interesting wealth management strategy, so I’ll discuss his case.

This guy holds 5 BTCB tokens, which he has just been holding for appreciation without any other income. Later, he got involved with the USD1 platform and decided to give it a try. Using 5 BTCB as collateral, he borrowed 100,000 USD1. The collateral fee is 1% per year, which is actually not high.

After receiving the USD1, he deposited the money into a wealth management product with an annualized return of 20%. So, the borrowing cost is 1%, and the deposit yield is 20%, making the interest spread 19%. Over three months, just from the interest spread, he earned nearly 4,750 USDT. Plus, the appreciation of BTCB during this period brought his total gains to over 20,000 USDT.

He told me this is the most solid profit he’s made from crypto investments in recent years. No need to watch K-line charts every day, no need to analyze market trends—just open the app periodically to check his account balance. Seeing the interest grow daily feels quite different.

Additionally, he also allocated some funds to LISTA tokens, which have increased by about 30%, giving him a pleasant surprise. Overall, his portfolio offers stable returns and benefits from compound interest effects.

USD10,03%

LISTA-0,29%

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GameFiCritic

· 23h ago

Wait, you need to look carefully at the 20% annualized rate—what's the risk level of that financial product? Collateralized lending is solid, but you have to watch out for liquidation risks. --- LISTA's 30% increase is indeed impressive, but the sustainability of this portfolio is questionable; interest rate arbitrage ultimately requires someone to take the other side. --- 1% borrowing cost is indeed low, but the higher the leverage, the easier it is to go all-in. Is this guy lucky or does he have a system? --- What struck me the most was when he said "seeing interest grow every day"—I get the feeling, but once the market clears, that's a whole different story. --- A 19% interest spread sounds great, but the question is how to ensure stability? Could market liquidity suddenly evaporate? --- Can you explain in detail the underlying logic of this financial product? I always feel there's an overlooked risk point. --- The compound interest effect is good, but it depends on the allocation cycle. Short-term gains don't necessarily mean long-term viability. --- Using BTCB as collateral is a good move, essentially earning the spread through the asset's time value—that's the play of mature investors. --- What I care about is—if the lending protocol encounters issues or the financial product blows up, will this portfolio collapse instantly?

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LiquidatedThrice

· 01-09 07:00

Oh my goodness, this return rate, is it real? 20% annualized? They won't run away, right?

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ImaginaryWhale

· 01-08 15:54

This interest rate arbitrage is really attractive. Finally, I see someone making gains with a steady strategy.

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AlphaLeaker

· 01-08 15:47

Yeah, this leveraged financial management approach is definitely more comfortable than chasing price swings every day. Who wouldn't want the feeling of just sitting back and earning from the interest spread? BTCB itself is still rising, and the USD1 interest spread remains stable. This is the true way to earn an extra income. Speaking of this 20% annualized financial product, is it reliable? Is there really no risk? Using the old routine of collateralized borrowing, it all depends on when the coin price will pull back. That unexpected gain from LISTA is indeed satisfying, but overall, the leverage space feels already fully utilized. Just looking at the impressive numbers, the current bull market really makes people feel euphoric. Be cautious. Rounding up, that's over 2000 per month. Who wouldn't want to make money without watching the market? This strategy, in simple terms, is about earning stable income while the coin is still high. It's a pretty clever move. The key is that he's willing to leverage on five bitcoins. That kind of mindset must be very strong. I would definitely be nervous.

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fork_in_the_road

· 01-08 15:35

This operation is indeed stable, much more comfortable than constantly chasing up and down.

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