⚡️ Today I took some time to organize my finances and found that Spark @sparkdotfi is really stable—

The annualized deposit rate for stablecoins on Spark Savings is about 3.5% to 4%, with low volatility.

Compared to the common savings rates for stablecoins at major exchanges, which are around 1%, that's nearly an additional 300 bps.

Over the past few years of dealing with stablecoin investments, I've experienced a significant change in perception:

The vast majority of people are actually using trader thinking for their finances, stacking up annualized returns with instantaneous gains, while the actual APY is halved.

The reason is that many pools offer you high yields, which essentially involve pre-selling the risks of future volatility, liquidity runs, and sudden parameter changes at a discount, leading to substantial instability premiums in long-term interest rates.

However, I believe that managing finances is fundamentally closer to asset-liability management.

So choosing to invest in Spark Savings represents a completely different philosophy—

Not pursuing extreme yields, but seeking low-risk products where the cost of funds, deployed returns, and interest rates are all within a predictable framework.

Although theoretically the fate of all pools is that as TVL increases, the yield per participant will be diluted,

based on current fee densities, even if the scale goes up a bit more, Spark can still maintain interest rates that are above those of exchange savings!

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