To be honest, I was a bit hesitant about lending protocols at first, thinking that the operations were complicated and the risks hard to control. It wasn't until I actually got started that I realized many people are actually wasting their assets.

If you hold long-term promising tokens like BTCB, BNB, ETH, it’s really not cost-effective to let them gather dust. Try collateralizing these assets into the USD1 lending ecosystem, and borrow stablecoins at an ultra-low interest rate of around 1%. The borrowed coins are not just stored; they are invested in financial products, which can yield an annualized return of about 20%—calculate it, you pay 1% in costs, and your funds earn 20% in returns. This deal looks very safe from any angle.

For a more aggressive approach, you can use interest-bearing assets like PT-USDe, asUSDF, USDe as collateral to borrow coins. This way, the original assets generate income while the borrowed stablecoins can earn another round of profit, achieving multiple benefits. Coupled with ecosystem tokens like slisBNB, slisBNBx, you can also participate in mechanisms like Launchpool and airdrops, not just simple lending operations, but capturing the entire ecosystem’s profit points.

Of course, it’s important to control the collateralization ratio and be cautious of liquidation during market volatility. Because this logical approach is clear and yields high returns, the TVL of the USD1 ecosystem has exceeded $4.3 billion. Ultimately, on-chain, efficiency is king.