2025-12-25 15:50:41

There are two ways to earn interest on stablecoins.

The most straightforward method: deposit USDT directly into a major exchange, and receive a 20% annualized return immediately—simple and direct.

If you want to try on-chain strategies, you can experiment with a lending protocol. Swap USDT for U, use U as collateral to borrow USD, and then send this USD to a major exchange to earn a 20% annualized return. Although it involves several steps, for on-chain players, it's actually standard practice.

U itself is a version 2.0 stablecoin, and each of these methods has its own nuances. If you're after higher yields or more flexibility, it depends on how you weigh the options.

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ForkTrooper

· 4h ago

20% annualized return sounds pretty sweet, but what about the risks? With both exchanges and lending protocols involved, it feels like it could easily go wrong.

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StakeWhisperer

· 4h ago

20% annualized? What kind of cost do you have to pay for this return? Understand the risks first.

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GamefiEscapeArtist

· 4h ago

20% annualized return? You can get that from just one exchange, why bother with on-chain nesting? Hey, these days even holding coins can yield this much... but I always feel there's a catch. Multiple steps + protocol risk, the returns are multi-layered but you need to keep a close eye. U and USDT two strategies, if I had to choose I still think direct deposit into insurance is safer. Why does it feel like stablecoins are also getting competitive these days? On-chain nesting sounds professional, but I just want to ask about the risks. This 20%... how stable does the exchange need to be to dare offer that? All this fuss just to earn a few more points, is it worth it?

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TokenomicsDetective

· 4h ago

20% annualized return sounds great, but I have to question the risks of this exchange...

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AirdropChaser

· 4h ago

A 20% annualized rate is quite impressive; whether the principal is still there after a year is hard to say.

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FloorSweeper

· 4h ago

20% annualized sounds great, but I'm worried about exchanges running away during a major dump.