#参与创作者认证计划月领$10,000 Is your USDC "lying idle"? Wall Street has already used it to earn 5% interest on Polygon, and ordinary people can also get a share.

I have been staring at the on-chain wallet of the BlackRock BUIDL Fund for a week, and the more I look, the more alarming it becomes: over $420 million in stablecoins has been flowing into U.S. Treasuries via the Polygon chain over the past 7 days—behind this lies an arbitrage opportunity with an annualized return of over 17%. If you are still leaving USDC in your wallet to "sleep", you are losing at least 5% of fixed income every year, which is like giving money away to institutions.
As a DeFi player who has participated in over 10 RWA protocols, I can confidently say that this market trend is not just about "speculating on concepts"; rather, the 5%+ yield on US Treasuries has finally opened up the "on-chain channel". In the past, wanting to buy government bonds? The threshold was so high that ordinary people couldn't reach it, and the channels were convoluted; now it's different, this is more like a "Wall Street landlord" splitting an entire luxury apartment into individual rooms, and we can finally rent our own "yield room".
This is not ordinary RWA; it is ordinary people prying away the "fixed income cake" from Wall Street for the first time.
You don't need to understand complex financial jargon; the "sub-leasing logic" is easy to grasp at a glance:
- "Whole Rent Luxury Apartment": Institutions are bulk buying large orders of US bonds, with giants like BlackRock directly connecting to the treasury market, obtaining interest rates that ordinary people cannot access;