How much principal can be covered for daily living expenses through exchange financial products? This is a question many people are contemplating.

Industry experts analyze that approximately 500,000 RMB or 71,000 USDT in stable allocation can basically meet basic monthly expenses.

How exactly is this calculated?

Taking a certain leading exchange's flexible financial product as an example:

**First stage earnings**: For the first 10,000 USDT, the annualized yield reaches 10%, which translates to about 2.74 USDT daily, roughly 19.4 RMB. This earnings tier is very friendly for small amounts of capital.

**Second stage earnings**: For the remaining 60,000 USDT beyond 10,000, the annualized yield is adjusted to 5%. Although the yield decreases, the base is larger, and the daily average earnings are still considerable.

With this kind of portfolio, users have a stable daily interest income, avoiding the risks of price volatility while earning continuous passive income. For those aiming to achieve financial freedom or supplement income through crypto assets, this strategy offers a reference approach.

Of course, actual returns depend on specific product terms, lock-up periods, and market changes. It is recommended to thoroughly understand the details of each platform's financial products before participating.