Recently, DeFi stablecoin wealth management has indeed become popular. There's a concept worth breaking down — using low-interest loans to leverage returns.

The core logic is actually simple. Deposit assets like BNB, BTCB, ETH to participate in wealth management, then borrow USD1 stablecoins. Currently, the borrowing rate is only 1.1%, and by turning around to buy wealth management products, the net annualized return can reach about 18.9%. The apparent interest margin on the books is quite substantial. Even more interesting is that the collateralized assets can continue to earn ecosystem dividends, effectively generating multiple cash flows from a single principal.

Why can this approach work? Several key points: the lowest lending rates across the network, sufficient liquidity for easy entry and exit without delays, and the network advantages of BNB Chain. If you hold related governance tokens, you can also enjoy cost reductions and protocol dividends. Plus, with over-collateralization and insurance mechanisms, the safety of funds is somewhat guaranteed.

However, it's important to note that the activity limits are usually finite. Currently, we are in the middle to late stage, and although there are replenishments, supply is definitely not unlimited. This is a rare opportunity to achieve stable arbitrage without betting on market ups and downs. If you're interested, it's best to act sooner rather than later.