Many people have fallen into traps when it comes to stablecoin wealth management. Small platforms running away, inadequate audits, inflated returns—these issues are endless and have caused significant losses for many investors. So what does a reliable stablecoin wealth management product look like?

First, look at the background strength. The chosen protocol must be on mainstream public chains and undergo rigorous review by reputable auditing agencies. Audit reports from authoritative organizations like CertiK and SlowMist serve as a security line of defense, at least indicating that the code logic has no obvious vulnerabilities. Leading protocols on the BNB Chain generally meet this criterion, and the ecosystem’s maturity is also assured.

Second, examine product design. Truly good stablecoin wealth management platforms are not just single products but layered to meet different risk preferences. Low-risk options include RWA (Real World Assets) and PSM (Peg Stability Module), suitable for conservative investors; medium risk involves liquidity staking, combining DeFi yields with token appreciation; high-risk treasury strategies offer higher potential returns. This product matrix can cover all types of users.

The most critical aspect is capital efficiency. Traditional wealth management either earns staking rewards or investment yields. Good design allows you to earn both—rewards from asset staking plus income from USD1 wealth management—equivalent to doing two businesses with one capital. No matter how volatile the market, the returns from low-risk products can remain stable, far surpassing bank fixed deposits.

Do actual returns keep up? As long as you consistently choose platforms with strict audits, clear backgrounds, and diverse products, monthly yields are enough to support household expenses. Such returns are simply unmatched in traditional finance. The key is not to be tempted by high yields but to select platforms with real operational capabilities and a solid safety record—that’s the right way to long-term wealth management.