When Filecoin falls to around $1.21 and investor sentiment becomes cautious, an interesting phenomenon appears in the market - many people begin to look for value anchoring tools, rather than simply buying the dip. This reflects a deeper demand: how to protect the principal while also obtaining returns in a fluctuating market?

USDD, as a decentralized stablecoin solution, has a straightforward core logic. It uses an over-collateralization mechanism of more than 200%, utilizing high-quality crypto assets as reserves, and promises to be pegged to the US dollar at a 1:1 ratio. Compared to fully centralized stablecoins, this offers higher transparency— all reserve assets are recorded on-chain and do not rely on a single institution's backing.

From a practical application perspective, these products are attractive in several scenarios: first, as a hedging tool. When the assets you hold experience significant fluctuations, you can quickly convert them into stablecoins to lock in profits. Second, regarding returns. Through staking protocols (such as sUSDD), you can earn annualized returns even while holding stablecoins, which is indeed attractive compared to traditional bank deposits. Third, cross-chain flexibility—supporting multiple public chains such as TRON and Ethereum, with relatively low transfer costs.

Of course, this type of product also comes with its own risk considerations. However, from the current market situation, asset allocation methods that can hedge against fluctuations while generating returns are attracting more and more participants' attention during uncertain periods.