For users holding mainstream assets like BTCB and ETH, how to ensure their money is both preserved and appreciated is indeed a challenge.

One approach is to utilize lending protocols to collateralize your assets in exchange for stablecoins, allowing you to participate in DeFi yield-generating projects and earn returns without selling your core assets and missing out on potential gains. Taking USD1 as an example of a stablecoin, you can play with tiered collateralization—

Simply put, it involves flexible adjustments based on market conditions: during a bullish market, moderately reduce your collateralization ratio to leave room for growth; during volatile periods, you can increase your borrowing ratio to create more earning opportunities amid fluctuations. This way, you can participate in upward trends and also "generate income" during sideways markets.

Don’t just focus on one project for returns. Yield-bearing assets like PT-USDe and asUSDF can be combined and diversified to spread risk and broaden income channels. The flexible mechanism of $LISTA makes this multi-layered asset allocation feasible, not only improving the efficiency of large asset utilization but also providing room to adjust strategies across different market cycles. For long-term holders, this system is considered a stable and resilient allocation plan.