2025-12-19 17:30:05

Recently, the interest rate hike turmoil has been causing some frustration, swinging between bottom-fishing and stability. However, many people around me are using stablecoins like USDT and USDC to earn interest, which sounds quite appealing.

Some exchanges have recently launched new stablecoin products, with the most impressive offering a 20% annualized return — and it even supports flexible withdrawals. For stablecoin holders, this is simply explosive, as there’s no need to lock up funds, and interest is credited to the wallet hourly, which feels really satisfying.

Compared to the high risk and volatility of other cryptocurrencies, earning interest on stablecoins on-chain is a strategy that can both avoid the anxiety of market swings and generate substantial passive income. Especially during periods of macroeconomic uncertainty, this conservative approach is quite attractive to many traders and coin holders. The entire ecosystem is also accelerating the optimization of user experience for such products.

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DeFiGrayling

· 12-19 18:01

20% annualized return sounds outrageous, there must be a catch... --- Earning interest on stablecoins is indeed attractive, just worried about exchanges going bankrupt one day --- No lock-up and withdrawal at any time? Now that's really appealing, finally found the feeling of earning passively --- With macroeconomics so chaotic, instead of chasing after ups and downs, it's better to bottom fish with stablecoin interest --- A stablecoin product with 20% annualized return... I can't trust it, better to play it safe --- Receiving funds every hour, I love this, way more comfortable than trading cryptocurrencies --- Interest-earning products are becoming more competitive, fierce competition indicates the ecosystem is maturing --- Bottom fishing, or just put idle U into interest-earning to secure a baseline first

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Anon4461

· 12-19 17:57

20% annualized? Sounds too good to be true, but I always feel like something's off. --- Earning interest on stablecoins is really comfortable, just worried about exchanges having issues someday. --- Bottom fishing or conservative approach, I'm really torn. Maybe I should just relax for now. --- 20% flexible withdrawal? That yield is a bit crazy, where's the risk? --- Playing with interest during uncertain macro periods is definitely more reassuring than chasing highs and lows. --- Feeling great about receiving payments every hour, but where does this high interest come from... --- Getting 20% without locking up funds doesn't seem like a freebie, there might be a trap. --- Everyone around me is earning interest, and I'm still debating whether to jump in. --- Compared to chasing high-risk tokens, earning interest on stablecoins is indeed more attractive. --- This strategy sounds perfect, but the higher the yield, the greater the risk, right?

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GhostWalletSleuth

· 12-19 17:57

20% annualized? Why do I feel like there's a trap coming --- Earning on stablecoins sounds great, but what do you do when the exchange runs away --- Haha, same old story, only realize what a true "demand deposit" is when the lock-up period ends --- I just want to ask one question—where does this yield come from --- Oh wait, some exchange also hyped it like this before... --- Passive income is really tempting, but passive losses are even more tempting, brother --- Can I withdraw at will? When the risk comes, just freeze it --- Can you be a bit more stable and stop with these high-yield tricks

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PoolJumper

· 12-19 17:43

Is a 20% annualized return so attractive? I feel like there might be a trap... Stablecoin earning sounds great, but is it really reliable? High yield with flexible withdrawal again, I've seen this trick before. No lock-up but still such high returns, what about the risk? Who will cover the downside? Instead of worrying about interest rate hikes, it's better to understand how this product works first. By the way, does anyone really benefit from this wave of dividends? Tell me the details. 20% flexible earnings? Seems too outrageous, be careful. Safety ≠ guaranteed profit, buddy. There’s no free lunch in this world.

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ForkPrince

· 12-19 17:40

20% annualized? That's a bit suspicious, gotta check the risk terms carefully. --- Earning interest on stablecoins sounds great, but what if the exchange runs away? --- I'm also torn, feeling that stability is the way to go. --- The ability to withdraw anytime really hits me; it's definitely better than locking up funds and feeling stressed. --- Still dare to believe in high returns these days? Be cautious, brother. --- Everyone around me is doing it, but I'm still a bit hesitant. --- 20%? Which exchange is so generous? Name it. --- Since there's no need to lock up funds, I might give it a try; stablecoins have lower risk anyway. --- Interest rate hikes are indeed annoying, but don't be blinded by high returns. --- Does it really arrive every hour? Feels a bit too good to be true.

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