Dear conservative investors, in the ever-changing crypto market of 2025, Bitcoin (BTC) fell below the 87,000 USD mark on November 21, triggering a global panic liquidation wave, with a total market value evaporating by over 1 trillion USD.
This "death cross" storm tests the nerves of every investor, but Bybit's financial products demonstrate extraordinary resilience, helping you protect your assets and lock in stable returns amidst volatility.
As a risk-averse individual, here we analyze how Bybit maintains a 16-19% APY (annual percentage yield) under extreme conditions and provide practical advice to make your investments safer and more efficient.
1. Latest Hotspot: The Impact of BTC Falling Below 87,000
● Event Overview: From November 20-21, BTC plummeted from 92,000 USD to below 86,000 USD, hitting a 7-month low, driven by a collapse in the probability of a Federal Reserve rate cut to 37.6% and macroeconomic uncertainty. The market entered an "extreme fear" mode, with leveraged liquidations exceeding 900 million USD, and social platforms flooded with discussions about "liquidity evaporation."
● Impact on Bybit Financial Products: As the preferred choice for conservative players, Bybit emphasizes a 1:1 asset reserve and AI real-time optimization. During this crash, while the USDT strategy's yield fluctuated in the short term, it quickly stabilized in the 15-17% range, with no systemic redemption delays, far exceeding the safety margins of traditional financial products. This proves that in times of panic, Bybit can effectively cushion the impact and protect your principal.
2. Historical Performance: Resilient Stability in Volatile Markets (Incorporating Latest Data)
Bybit Private Wealth Management (PWM) has consistently maintained positive returns during multiple extreme tests in 2025, with APY far exceeding the market average:
● November 2025 (BTC falls below 87,000): In the face of ETF outflows of 370 million USD and a liquidation wave, top fund APY is expected to be 16-18%, with the USDT strategy avoiding significant losses through hedging mechanisms.
● October 2025 (Uptober Shock): Amid geopolitical tensions, APY reached 16.94%, with data-driven investments buffering macro shocks.
● September 2025: Amid Federal Reserve uncertainty, APY was 19.45%.
● July 2025: The flagship strategy during the volatile period achieved a 19.77% APY.
These data show that even if APY drops by 5-10% under extreme conditions, Bybit still ensures positive returns, making it suitable for risk-averse investors like you.
3. Product Types and the Impact of Extreme Markets (Using BTC Hotspot as an Example)
For conservative investors, Bybit's product design focuses on low volatility and high liquidity:
● USDT High-Yield Strategy: Core stablecoin investment, maintaining a 15-19% APY during BTC's plunge, supporting anytime redemptions to avoid locked-in losses.
● Savings and Easy Finance: APY fluctuates between 8-12%, with no forced liquidation risk, providing a safe haven during panic.
● Leverage-Free Worry Products: High leverage (up to 200x) but with built-in protections, suitable for cautiously capturing rebound opportunities.
4. Risks and Potential Negative Impacts
Bybit transparently discloses: APY is not guaranteed under extreme conditions and may have short-term negative values or redemption delays. However, compared to the market, its 1:1 reserves and AI tools significantly reduce risks.
5. Conservative Investment Advice: Your Guardian Strategy
● Prioritize USDT strategies, combined with Volmex index to monitor market fear levels.
● Start with small diversified investments and upgrade to VIP for priority support.
● Check Bybit's official website reports in real-time, DYOR (Do Your Own Research) to ensure peace of mind.
In the extreme test of BTC's plunge, Bybit Financial has proven to be a reliable partner for conservative investors. Join Bybit and start your journey to secure high returns—act now to protect your future!
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Disclaimer: The above content is sourced from Bybit's official website and does not constitute investment advice. Cryptocurrency investments carry high risks; please make cautious decisions.
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