Brief introduction: USDT, BTC, ETH three tokens financial management methods to understand in one article

In fact, the secondary cryptocurrency market has been in hell mode recently, with all new coins breaking their issue prices, and the logic behind this is very simple:

There are too many new coins with low circulation and high fdv, and funds are constantly trapped; at the same time, some secondary new coins like ARB seem to be trading sideways, making new investors think that "it is almost their turn". In fact, there are a large number of unlocked sell orders every day, which leads to the price not rising, but the FDV has increased by billions - just imagine the heroism of the price skyrocketing to 50% and then falling back quickly, with countless zero-cost chips sweeping towards the small retail investors who rushed in... a moment of silence.

But one advantage is that there are actually quite a few interest-earning ones at the moment, and the interest rates are not low. Don’t let your funds sit idle when the market is not good. I have sorted out some simple and easy-to-use methods:

[Warning: Never search for the names of various protocols on Google to manage your finances. You will most likely end up searching for fraudulent websites and lose all your money! It is recommended that you bookmark this post so that you can access the correct URL. You can also visit it at any time through http://dayu.xyz]

1. USDT financial management within the exchange 5-10% annualized

Many large exchanges have it, but the interest rate is generally not high, 3-10%. The 10% part may fluctuate if you read the instructions carefully, and the average may be around 5%.

The advantage is that it saves time and effort. However, novices should be careful not to engage in high-risk financial management within various exchanges, as they may lose their principal. Experts should read the instructions carefully.



Second, it is the USDT lending on the chain, etc. 5-10%

The old lending agreement is
https://app.aave.com/markets/
Depending on the requirements, apy will be different

In addition, the current lending rate on blast is much higher, mainly because many people lend and borrow by themselves to earn various points. Today's annualized rate is generally above 10%, but we must pay attention to the risks of the protocol. There have been thefts before, although because the blast chain takes 14 days, the hacker's money cannot be withdrawn... Also note that after the currency is issued in the future, the interest rate will definitely drop immediately, and it is estimated that it will take 14 days for ETH to return to the main network.



3. Borrowing through ENA and pendle with an annualized rate of 10-40%

First is ENA, visit
http://app.ethena.fi/join/s1u7g

Convert usdt into usde, and then pledge usde to convert it into susde to get 10% interest + future ENA token airdrops!

Note: If you do not want future ENA token airdrops, you do not need to do the conversion to susde above.

Visit the link below to get 40% annualized
https://app.pendle.finance/earn/fixed-yield…

Find the usde pool and deposit money into it, but this one expires on July 25 and cannot be cancelled before then, which is equivalent to a fixed-term deposit!

The above is mainly about the financial management of usdt, in which the risks are divided into two parts:
First, the main reason for financial management in the exchange is the fear that the exchange will collapse, so it is generally recommended to use a large exchange, such as Binance, and Binance actually has a particularly powerful financial management, which is FDUSD IPO, with a very high annualized rate.

Directly buy usdt into fdusd, and deposit fdusd to mine whenever a new coin is launched, and you can get free coins. Then when there are no new coins, just deposit them directly in Binance, and the current annualized rate is 7%.

Binance is the largest exchange in the universe. With the existence of fdusd, financial management income is actually the best choice. If you have not registered Binance, fill in RWIMTPK2 when registering.
You can save 20% of the handling fee permanently.

The second is the on-chain risk, such as hackers and de-anchoring. However, protocols like Aave are considered old-fashioned and relatively reliable.



4. BTC Financial Management
Hoarding Bitcoin is the choice of many people, and now it has reached the BTC shutdown price, and the ETF has been approved. In the long run, BTC will definitely reach 150,000. So it would be a good idea to hold BTC if you can earn interest relatively safely.

Here I mainly implement it on solv. This protocol is invested by a bunch of big institutions such as Binance. At the same time, the fund security adopts a third-party custody solution consistent with Binance and Bitmain (similar to ENA), which is the industry's top custody method. The fund security is much better than putting it on some messy chains.

At the same time, the annualized return on BTC deposits is as high as 10%! As shown in the figure below, it also supports various currencies such as USDC, ETH and USDT, and the annualized returns are all good.

Where does the income of these protocols come from? In fact, the logic is similar to ENA, which is achieved through the connection with mature protocols such as GMX, and is real on-chain income.

The TVL of this project is growing very fast at the moment. In the past two weeks, the storage has increased by 300 million US dollars, and now it has more than 700 million TVL. I personally predict that it is highly likely to be listed on Binance, because its benchmark is actually Ondo with more than 8 billion FDV, and there are also narratives such as RWA to follow.

So this not only earns interest but also points. But what's interesting is that few people are talking about it now. It should be because everyone doesn't want to share too many points and hopes that there are fewer people. I heard that most of the TVL for this project comes from Japan. The Japanese are said to be the most fond of interest-earning projects in the world. Nomura Securities has invested in this project, and it has become as important as Yu'e Bao in Japan. Hundreds of millions of US dollars were poured into it just two weeks after it was launched in Japan.

Link:
https://app.solv.finance/points/ARQ8TW



5. ETH Financial Management
ETH re-staking is currently a very popular narrative, with the mainstream ones being eigenlayer and swell which have not issued coins yet, and ethfi and renzo which have already issued coins.

One way to do this is to go directly to the pendle above and continue to try to kill two birds with one stone, but it may be a bit confusing for novices in yt, pt, etc., and it is not easy to become familiar with the mechanism. You can search on youtube for details.

You can participate in all the protocols I mentioned. Another way is to look for some protocols that are not so competitive and have additional bonuses. That is, deposit 1 eth to participate in several projects, and there are also some bonuses.

The following is the points of the three protocols: eigenlayer+swell+desyn. They are new but have been audited. And I saw that they have officially announced cooperation with swell and others, so there can be extra points bonus. Now there are not many people, so the points should be higher.
https://desyn.io/#/pool/0x92246d412988d62Df85AcB49efb9712326D8720A/?proxy=0x7a470d8014a122245b0410774618b7ed0e990daa…

The financial management income of eth is mainly divided into two parts, one is the interest of eth itself, and the other is various tokens.

Currently, the most anticipated one is eigenlayer, the ace protocol. Another one that has not issued a coin but has a fast business growth is swell, so I found a solution to work on these two projects at the same time.

If you have 10 million, will you continue to strive to make 100 million, or go traveling and make 1 million a year without doing anything?


If you feel helpless, confused, and can't see the direction in trading at the moment, you can come to my village and have a look. The strategy is to click the avatar Kanjianjie, and the condition is to be a real player.


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