2026-01-08 04:27:57

Attention HODLers—do your mainstream assets really need to stay forever in your wallet?

Recently, many people are exploring a new approach: using their BTC, ETH as collateral to borrow stablecoins and participate in financial management. What's interesting about this method? Your principal remains yours, no need to sell. Just leverage their collateral value to borrow stablecoins and earn the yield spread from financial products.

Someone has calculated that this operation can achieve an annualized return of over 20%, which is much more comfortable than just HODLing coins. The key is low-interest borrowing—some platforms do this quite well—keeping interest rates very low, so the profit margin is genuine.

Imagine this: your coins are not sold, but your income still flows in, with both principal and interest secured. This "money making money" approach is much smarter than just dead HODLing. In a bull market, instead of waiting for appreciation, it's better to actively generate cash flow.

BTC0,05%

ETH-0,38%

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ProposalManiac

· 01-10 23:21

The risk model wasn't explained clearly—this logic has a design flaw where it automatically liquidates positions when a bear market arrives. Historically, Luna's system also operated in this destructive manner.

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AllTalkLongTrader

· 01-10 18:28

Damn, this is the correct way to play crypto. Dead holding is really too stupid. --- 20% annualized? Is this number serious? What about the risk, brother? --- Wait, how is the liquidation price calculated? Are you betting that the coin price won't drop? --- Okay, okay, I'll do it this way with my coins, but I still chickened out and didn't go all in. --- What if the platform collapses? Who will compensate my coins? --- Really? How does this kind of good thing feel like cutting leeks? --- I just want to know which platform has the lowest interest rate. Don't hide it. --- No principal, no profit. Still too risky. --- This trick has been played by someone long ago. It's a bit late to talk about new ideas now. --- Not bragging or blackening, this is indeed better than just keeping it in your wallet, as long as you choose the right platform.

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NestedFox

· 01-08 04:58

Wait, is this 20% really stable, or is it just another scheme to harvest the retail investors?

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SolidityJester

· 01-08 04:51

Sounds good, but it depends on whether the platform is reliable. The bloody lessons from the flash loan wave are still fresh. --- 20% annualized? I don’t believe your nonsense. What about the risk? Will the liquidation price suddenly drop? --- This is leverage stacking. It sounds great, but in reality, a single dip can lead to liquidation. --- Can you stop always bragging about annualized returns? The key is how to avoid risks. --- It's easy to say, but when the bear market hits and assets shrink, collateral becomes worthless. --- Borrow stablecoins to arbitrage, it feels like walking on a knife’s edge. --- Everyone is a genius during a bull market. We’ll see when the next bear arrives.

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MysteryBoxOpener

· 01-08 04:50

This strategy sounds good, but what about the risk? Once the liquidation price is triggered, the entire logic collapses.

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Layer2Observer

· 01-08 04:47

Let me look at the data—20% this return rate, you have to exclude liquidation risk and platform risk to count it, and considering everything together, the actual annualized return might not be that optimistic.

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SelfCustodyBro

· 01-08 04:38

20% annualized? First pass the risk control then talk about it Wait, how is the liquidation price calculated? Have you ever thought about the moment of a sharp crash Smelling the leverage... sounds good, but I'm just afraid of a flash crash returning to the pre-liberation era What is the actual leverage ratio of this gameplay, who dares to say they won't get caught in a trap The coins are still in the wallet, no doubt, but what about the risks? No one has settled accounts with me on this Wait, isn't this just a disguised way of borrowing coins to trade? How safe can it be It's easy to say, but if you really operate, the risks outweigh the rewards The data looks so good, why are some still losing money? Just thinking about it is ridiculous The interest spread is tempting, but you'll only realize what regret is when liquidation happens

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