2026-01-12 19:21:27

I've been paying close attention to the stablecoin lending market recently and found that the BTCB/USD1 lending pair performs quite well—the interest rate fluctuates between approximately 1.64% and 2.36%, showing good stability and user-friendliness. After lending out USD1, I immediately redirect the funds into flexible wealth management channels. Currently, the 20% high-yield promotion is still ongoing and will end on January 24th.

Here's the question: if you are long-term bullish on BTCB and don't want to sell easily at the current market position, it might feel like holding assets is somewhat wasteful. This is where this strategy comes into play. The process isn't complicated—connect your wallet, select BTCB as collateral, set the lending amount and collateral ratio (I personally prefer to keep it between 65%-70% to leave enough buffer for liquidation), and then lend out USD1 before moving the funds into flexible wealth management.

Every morning, the first thing I do is check the lending interest rate changes and remaining activity quota, which takes just a few minutes. The market volatility is quite significant right now, with Bitcoin oscillating around 90k. Combining low-cost borrowing with high-yield wealth management provides peace of mind for someone with a lower risk appetite like me.

The best part is that you don't need to buy USD1 separately; you can participate in high-yield activities directly with collateral, and BTCB remains in your possession with potential for future appreciation. The main risks are managing the collateral ratio and price fluctuations. As long as you're not greedy and leverage responsibly, controlling the ratio, you generally won't run into problems.

The activity window seems to deplete the quota quite quickly. If you have BTCB, I suggest trying with a small amount first to experience the actual returns and understand how the process works. This strategy isn't aggressive but is steady and practical—especially suitable for conservative players looking for reliable passive income towards the end of a market cycle.

USD1-0,07%

BTC-0,84%

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ProbablyNothing

· 01-15 02:22

What, again with this routine? I've been playing it for a while, just need to keep an eye on the liquidation line; if you're not careful, you'll get liquidated. The 20% activity limit is indeed running out quickly, but I still think a collateral ratio of 65-70% is a bit aggressive. Checking the interest rates every morning feels more tiring than going to work haha. BTCB has appreciation potential in hand, but with BTC's current market trend, it's really hard to say how high it can go. Borrowed stablecoins directly invested in financial products, which is basically earning passively, but honestly, I don't think there's anything new about it.

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MevSandwich

· 01-14 09:17

Damn, is the 20% return real? Is the activity quota being consumed this quickly... Wait, is your 65%-70% collateral ratio stable? BTC is so volatile right now... I'm a bit tempted, but I need to see the liquidation price first. I got scared after one borrowing experience. Have you really never hit a mine with this approach? This idea is pretty good, but you have to keep an eye on it all the time. It still feels tiring.

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GhostAddressHunter

· 01-12 19:51

A collateralization ratio of 65% to 70% is acceptable to me. Unlike some people who go all-in right away, you'll eventually suffer liquidation losses. A 20% return is indeed tempting, but the rapid consumption of limits is quite interesting. Things are really heating up. You still need to stay cautious, especially with Bitcoin's current volatility. A single correction could trigger a chain reaction.

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TeaTimeTrader

· 01-12 19:51

Whoa, 20% interest, is that real? Will it be gone after the 24th? I need to rush and make a move.

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Frontrunner

· 01-12 19:49

Hey, I've been thinking about this combo move too. The key is that not being greedy really allows you to survive. I agree with the idea of treating BTCB as a fixed-term deposit, but I'm worried about getting caught up in watching the market and causing stress. The 20% profit window is indeed closing quickly; missing out isn't a big deal. Basically, this strategy is about borrowing money without selling off, and controlling risk is the key. The 65%-70% collateralization rate is quite conservative, mainly afraid that a sudden spike could cause a liquidation. It feels like Bitcoin is oscillating around the 90k level, and this kind of yield compensation isn't bad. But I still think starting with small amounts is the safest; anyway, the quota gets used up so quickly, and if needed, I can just try again next round.

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MoonWaterDroplets

· 01-12 19:47

A 65% to 70% collateralization rate is quite good, but you have to keep an eye on it at all times, afraid that you'll get liquidated overnight haha --- A 20% return is indeed attractive, but does it really end on January 24th? Is this quota being used up so quickly? --- It feels like this operation is just betting that BTCB won't drop significantly. There's still some psychological pressure. --- Checking once every morning sounds easy, but it's actually quite time-consuming. Still, it's definitely better than doing nothing. --- It's easy to say "don't be greedy and use leverage," but in reality, it really depends on self-discipline to follow through. --- The small-scale testing suggestion is quite reliable; better to feel it out first. --- Those two risk points are indeed valid; mainly, you need to guard against your own greed. --- BTCB is still appreciating in value, and this selling point is quite good. --- Low-cost borrowing paired with high returns sounds like the vibe of an air fryer. --- Oscillating around 90K, at this point, borrowing should be more cautious.

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WagmiWarrior

· 01-12 19:31

Hmm... A 20% high return definitely sounds appealing, but I'm still a bit hesitant, worried that a single pullback could trigger liquidation. This idea isn't bad, but I think a collateral ratio of 65-70% is still a bit too aggressive; BTC's recent volatility has been too wild. The credit consumption is happening so fast? Then I need to rush in quickly, or I'll miss out again. Honestly, I just like this kind of strategy where I can earn passively without selling my coins—it's comfortable. The buffer space for the liquidation line is really important; I've seen too many forced liquidations before. Deadline on January 24th? That's way too tight; I need to check how much credit I still have left. Risks only two points? Why do I feel there's a third—namely, I just can't control my greed haha. Trying it out is also fine; start with a small amount to get a feel for the actual returns, safe and sound.

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MetaverseLandlord

· 01-12 19:30

Haha, a 20% return is indeed tempting, but the window period is so tight. --- A collateral ratio of 65-70% is stable, no wonder the sleep quality is good. --- Wait, isn't this just leveraged financial management with a different disguise? Why does it seem like the risks are being downplayed a bit? --- Checking once every morning sounds easy, but in reality, you need to keep a close eye. When volatility kicks in, it really becomes hard to handle. --- BTCB still has appreciation potential in hand, I like that. It's like earning interest for free. --- Trying with a small amount is a good suggestion, much better than going all in directly. --- Having enough buffer for the liquidation line is crucial. A single correction could lead to liquidation, which would be a huge loss. --- Deadline is January 24th? So tight, everyone needs to act quickly. --- What does it mean that the activity quota is used up so fast? Is it saying there's a capacity limit?

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NewPumpamentals

· 01-12 19:26

The 65%-70% ratio is also where I get stuck, fearing that one day Bitcoin might suddenly plunge and cause a liquidation, which would be awkward. USD1 lending is indeed attractive, but I care more about how much of the 20% limited-time quota is left. It feels like these promotions disappear in the blink of an eye. Honestly, earning interest on BTCB is more comfortable than just holding it in hand. After doing the math, it's still worthwhile. Collateral ratio management is truly of utmost importance. A slight price fluctuation can lead to liquidation risk. I’d rather earn less than risk losing everything and leave enough buffer. Small-scale testing is definitely reliable. First, run a test to understand the logic, then add more positions. Anyway, there’s still a time window for this activity.

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