Staring at K-line swings every day is really exhausting, especially with complex cycle lending which can easily face liquidation risks. Instead of messing around like that, why not change your approach—let your assets work for you.

On certain DeFi platforms, there are indeed low-risk yield programs designed specifically for conservative investors. No need to manage positions, no worries about liquidation risks—just deposit your coins and go to sleep, and when you wake up, the earnings are already in your account.

Take BNB holders, for example. Holding coins passively isn’t very productive; it’s better to convert them into liquid staking tokens and enjoy on-chain node staking rewards, with an annualized yield of about 7.2%. Compared to the stagnant returns in exchanges, this plan is much better.

If you prefer stablecoins like USDT, you can earn an annualized return of 4% to 8% by anchoring to stable modules or engaging with the RWA market. This is the most straightforward stablecoin investment method—resistant to dips and volatility, making it a good safe haven in a bear market.

But the most eye-catching yields are from over-collateralized stablecoins like USD1. Depositing USD1 into specialized lending channels on certain platforms can yield close to 10% APY. What does this mean? Think about it—traditional bank certificates of deposit are around 3%, so this yield already exceeds three times that.

To put it simply, DeFi wealth management doesn’t have to be nerve-wracking. Simple strategies can also beat inflation. No need for complicated operations or constant monitoring—deposit assets, confirm transactions, then go about your business. That’s the kind of passive income it should be.