In the vast world of DeFi, innovative lending protocols are emerging one after another. Among them, a particularly interesting idea is: using low-cost borrowing to leverage liquidity of blue-chip assets, then investing stablecoins into high-yield products to earn the spread. It sounds simple, but the numbers tell the story.

For example, if you hold high-quality assets like BTCB, ETH, or BNB. Some DeFi protocols currently offer very low lending rates, often around 2% or even lower—depending on market supply and demand. You can collateralize these assets to borrow USD1 stablecoins, with no need to sell your assets, allowing you to still benefit from potential price appreciation.

The key is how attractive the returns are on the other side. Suppose the USD1 flexible investment can yield 20% APY (these booster promotions often have a deadline, such as until January 23, 2026). After deducting 2% borrowing costs, your actual profit is close to 18%. And that’s not the best part.

To upgrade the strategy, you can use tokens with yield-earning properties as collateral, such as PT-USDe or similar. These tokens inherently embed a 5-10% base yield, and when combined with the 20% return from the USD1 product, the power of compound interest kicks in. The total theoretical return can exceed 24%. One principal, multiple income streams—that’s the feeling of "killing multiple birds with one stone."

But there’s no free lunch. The success of this strategy hinges on managing the Loan-to-Value ratio (LTV). Maintaining a reasonable LTV is essential, and you must keep an eye on interest rate fluctuations to prevent liquidation risks. Starting with small amounts to test the waters and gradually scaling up is a smarter approach.

Overall, the combination of low-cost borrowing and high-yield investments is rewriting the traditional stablecoin wealth management logic. For those holding blue-chip assets and seeking capital appreciation, this is a new and relatively sustainable growth path. The key is to understand and manage the risks well, so that the gains can truly be realized.