The DeFi market in 2026 is unpredictable and bizarre. Chasing gains and cutting losses is purely suicidal. One moment of distraction and you'll be beaten to a pulp. Instead of following the crowd and stepping into pits, why not consider some reliable arbitrage opportunities—lying back and earning steady, non-volatile income? This deal is quite cost-effective.

Recently, I tested a strategy combining collateralized lending and financial arbitrage, and the results are indeed impressive. By collateralizing blue-chip coins to borrow USD1 stablecoins, the cost can be as low as 1% annualized. Then, investing these stablecoins into a top-tier exchange’s financial product can lock in a 20% annualized return, pocketing the 18% difference. With proper risk management and relatively low thresholds, beginners can quickly grasp the operation logic and get started.

Preparation is key: you must have a MetaMask wallet set to the BNB Chain network. Trust Wallet works too, depending on personal preference. You need to hold mainstream tokens like BTCB, ETH, or BNB as collateral, with a total value reaching the minimum investment threshold of 15 USD1. Choosing stable, large-cap coins is crucial to minimize liquidation risk.

The actual process involves two main steps: First, connect to the lending platform’s official website with your wallet, then deposit your blue-chip coins as collateral on the lending page. A key point here—maintain the collateralization ratio above 150% to prevent forced liquidation. Once the coins are deposited, borrow USD1, and that step is done. Second, open a financial app, find flexible USD1 financial products, and deposit the borrowed stablecoins, which will accrue interest daily and automatically settle.

Doing the math makes it clear: borrowing 1000 USD1 for a whole year costs only about $10 in interest, while the financial product yields $200, netting $190 profit. That’s an 18% annualized return. Daily maintenance involves monitoring the collateralization ratio and the duration of financial products. If the water level drops, add more collateral. Savvy players can even switch to interest-bearing collateral assets like PT-USDe, stacking multiple income sources. The total return rate can reach 25%, turning a principal into multiple streams of interest—truly satisfying.

The biggest advantage of this strategy is that you don’t need to watch market fluctuations obsessively. The cost threshold is ridiculously low. For those who prefer stable on-chain financial management, following this logic blindly is a safe bet. The arbitrage window is fleeting; acting early ensures your assets grow steadily.