As an investor who has been immersed in the crypto asset space for five years, I have been pondering how idle funds can truly generate value. During that time, I experimented with various DeFi protocols, chasing high APYs, but those days are gone, often resulting in more losses than gains. Later, I shifted my approach by allocating part of my funds into stablecoin financial ecosystems, which finally made me understand what steady compound interest really means. This is not a get-rich-quick story but a genuine record of how idle funds can continuously appreciate.

1. Breaking the Perception: From "Money Sitting Idle" to "Money Making Money"

In traditional thinking, cash is considered safe. But in a negative interest rate era, this actually depreciates quietly. I did some calculations:

· $100,000 deposited in a bank: annual interest about $200 (0.2%)
· Same period inflation rate: 3.5%
· Actual loss: $3,300 in purchasing power per year

After switching to a leading stablecoin ecosystem, the situation is completely different:

· Basic yield: 5.2% ($5,200)
· Enhanced yield mechanism: an additional 3-8% (average $4,500)
· Net profit after deducting risk costs: about $8,000
· Actual increase in purchasing power: 4.5%

The difference is obvious at a glance.

2. Practical Framework: How to Build a Three-Layer Revenue Structure

First Layer: Underlying Security (40% of investment)
· Directly hold stablecoins and participate in basic staking
· Maintain collateral ratio above 200% to ensure safety margin
· Expected annualized return: 5-6%
· Purpose: Stabilizer + liquidity buffer

Second Layer: Enhanced Returns (35% of investment)
· Strategy