The 20% annualized yield on the USD stablecoin flexible investment from a leading exchange is indeed attractive, but the problem is that the maximum lock-up per account is only 50,000. For idle funds exceeding this amount, you'll need to find other solutions. Plus, with the current market still in a tug-of-war phase, on-chain DeFi hacking incidents happen from time to time. High returns often come with high risks, and many people are adopting a wait-and-see attitude.

Against this backdrop, a major exchange's wallet product has launched the second phase of the USDD deposit incentive plan, with an annualized return of around 14.5%. Although USDD originates from a major public chain ecosystem, leveraging the wallet's custody and risk control system makes the overall risk-reward ratio of the plan worth considering.

If you want to participate, the operation process is actually simple:

Step 1: Prepare two things in your wallet—ETH on the ERC20 chain (used to pay Gas fees) and USDT (choose the ERC20 chain as the starting capital, and decide the specific amount yourself).

Step 2: In the app, find the wallet → Discover → Wealth Management → Protocol → USDD entry, where you can see detailed deposit options.

The entire process is so straightforward, requiring no complicated operations. However, it’s essential to have a clear understanding of your own risk tolerance beforehand.