Recently, looking at the market trends, Bitcoin has been bouncing back and forth around the 90,000 and 100,000 marks, and various altcoins are in chaos. Many people tend to fall into a trap during such times: chasing gains and selling losses, frequently adjusting their positions. In the end, they often end up with fewer and fewer coins, and their mindset also collapses.

I've been in this circle for several years, experienced two complete bull and bear cycles, and have a deep understanding: in volatile markets, stable cash flow is more valuable than simply chasing price increases.

**Why is that?** Let me give a concrete example. You hold BNB, and on one hand, you don't want to sell (fear of missing out on further gains), and on the other hand, you're worried about a price correction. At this point, you're caught in a dilemma.

A mindset shift changed my approach: by collateralizing BNB to borrow stablecoins, you can both preserve your spot holdings and extract liquidity. This is a good middle ground.

**How exactly does it work?** Use BNB as collateral to borrow USD1 stablecoins, essentially setting up a buffer for yourself.

What happens when the price rises? BNB remains in your account, and your assets appreciate as usual. The borrowed stablecoins can earn interest while sitting idle, effectively allowing you to attack from both sides.

And if the price drops? Although BNB shrinks in value, the stablecoins you hold generate continuous interest. This income can be used to buy in batches at lower prices, gradually lowering your average cost.

This is what is called a "anti-fragile" design. No matter which way the market moves, you have income. And the interest from stablecoins is certain; in a market full of uncertainties, certainty itself is valuable.