Last night, gold suddenly plunged, and I immediately wanted to buy the dip, but I realized I had no spare cash. I gritted my teeth and slept through the night.

This incident made me think clearly about one issue: most people lose money here—lacking bullets when opportunities arise.

But in the crypto world, I’ve long understood another logic. Instead of staring at the charts and betting on ups and downs, it’s better to let assets work for you. Earning interest 24/7 without guessing tops or bottoms—this kind of "passive income" is what truly allows people to sleep peacefully.

Whether it’s gold or hot coins, it all boils down to betting on the direction. But smart money’s approach is different—building an all-weather income system. Regardless of market rises or falls, assets automatically generate interest.

My own strategy is like this: allocate part of my funds into interest-bearing DeFi products. Unlike simple trading, this mode is more like building a "yield engine."

Specifically, I deposit mainstream tokens like ETH and BNB, which can earn native on-chain staking rewards on one hand, and on the other, lend out stablecoins to participate in mining—essentially generating two sources of income from the same capital. The collateralization ratio is set quite flexibly, with a good dynamic risk control mechanism, so even if the market drops sharply, liquidation isn’t easily triggered—making it especially suitable as a long-term core holding.

Of course, there’s also the layer of governance tokens. Holding these tokens not only allows participation in ecosystem decisions and voting on risk parameters but also shares in the protocol’s revenue. This isn’t a short-term trading tool but a long-term participation right in the protocol’s growth.

Honestly, I still have some gold in my asset allocation—that’s my family’s core holding. But in crypto, interest-bearing products are my "yield core." No matter how volatile the market, while others are worried about cutting losses or adding positions, my assets grow quietly. This kind of "passive security" is truly what can withstand cycles.

At the end of the day, investing isn’t about making quick profits every day; it’s about finding a way to allocate assets that let you sleep soundly.