U-based "lying down to earn" strategy: A comprehensive analysis of CEX stablecoin wealth management vs on-chain interest-earning protocols

1. Centralized Exchanges (CEX): Beginner-Friendly "No-Brainer Investment" Solutions

Taking Binance, OKX, Gate.io, and Bitget (as of February 28) as examples:

Binance: The real-time annual interest rate for USDT single-coin investment is currently reported at 2.4%. Tier 1 (0-500 USDT) has an annual interest rate of 7%, and Tier 2 (500-5000 USDT) has an additional 2% bonus, with an estimated annual interest rate ranging from 1.9% to 9.4%.

The real-time annual interest rate for USDC single-coin investment is currently reported at 1.63%. Tier 1 (0-500 USDC) has an annual interest rate of 10%, and Tier 2 (500-10,000 USDC) has a 3% bonus, with an estimated annual interest rate of 11.62%.

The real-time annual interest rate for FDUSD single-coin investment is currently reported at 1.43%. Tier 1 (0-400 FDUSD) has an annual interest rate of 8%, with a minimum investment starting at 0.1.

OKX: The real-time annual interest rate for USDT single-coin investment is currently reported at 5%, and for USDC single-coin investment, it is also reported at 5%, with a minimum investment starting at 0.01.

Gate.io: The real-time annual interest rate for USDT single-coin investment is currently reported at 3.96%, with an additional 10% bonus, rewarded in equivalent value of $GT. The tiered annual interest rate changes with the number of days deposited: 3 days is reported at 2.89%, 7 days at 3.42%, and 14 days at 3.68%, with a minimum investment starting at 1; USDC single-coin investment is reported at 5%, with a minimum investment starting at 1.5.

Bitget: The USDT single-coin investment is currently reported at 5.96%, with an 8% additional bonus for amounts between 0 - 500 USDT.

CEX products are simple to operate, flexible for deposits and withdrawals, and friendly for beginners. The interest rates for Binance/OKX's flexible products are similar, while Gate.io offers a 3.9% annual return for USDT plus a 10% platform token GT bonus.

2. On-Chain Basic Lending: "Fixed Deposits" in the DeFi World

Taking mainstream on-chain lending (as of February 28) as an example:

Ethereum

Aave V3: USDT 3.48%; USDC 3.93%; DAI 4.75%;

Compound V3: USDT 4.53%; USDC 4.48%;

Yearn Finance: USDT 4.56%; USDC 4.36%; DAI 10.38%;

Uniswap V3: USDC-USDT LP 19.01%; DAI-USDT LP 19.13%;

Morpho Aave: USDT 7.21%; USDC 5.02%;

Flux Finance: USDT 4.79%; 4.89%;

Fluid Lending: USDT 4.34%; USDC 4.30%;

Spark: USDT 5.53%; USDC 4.77%; DAI 5.91%;

Solana

Kamino Lend: USDT 2.88%; USDC 5.28%;

NX Finance: USDT 10.85%; USDC 7.45%;

Pluto: USDC 6.19%;

Vaultka: USDT 20.83%; USDC 16.34%;

Francium: USDT 16.49%.

BSC

Venus Core Pool: USDT 4.83%; USDC 5.85%;

Wing Finance: USDC 5.92%.

Base

Aerodrome Slipstream: USDT 8.12%;

Morpho Blue: USDC 5.47%;

AAVE V3: USDC 4.23%;

Fluid Lending: USDC 2.35%;

Note: The above data is sourced from DefiLlama, dated February 28.

3. Advanced Player Special: Deconstructing Yield with "Financial Legos"

Pendle: Yield Futures

Pendle is a decentralized protocol that allows users to split their assets into principal and yield tokens to enhance yield.

Through Pendle, users can split assets (such as stablecoins) into two parts: Ownership Token (OT) and Yield Token (YT), and trade them independently. For example, depositing sUSDe into Pendle's yield pool (YT) yields a yield token (PT). Upon maturity, PT can be exchanged back for sUSDe at a 1:1 ratio, with an annual yield rate of about 14%. Similarly, using USDe can yield an annual return of about 16.89%.

U-based "Lazy Earning" Strategy: Comprehensive Analysis of CEX Stablecoin Investment vs. On-Chain Yield Protocols

Usual: RWA Yield Capturer

Usual is a decentralized fiat stablecoin issuer that integrates a growing array of tokenized real-world assets (RWA) from entities like BlackRock, Ondo, Mountain Protocol, M0, Hashnote, etc., transforming them into permissionless, on-chain verifiable, and composable stablecoin USD0.

It supports users depositing USDC/USDT, and users receive USD0 at a 1:1 ratio, currently yielding an annual return of 13% to 17%, fluctuating based on market conditions, and is relatively stable.

U-based "Lazy Earning" Strategy: Comprehensive Analysis of CEX Stablecoin Investment vs. On-Chain Yield Protocols

Solayer: Ecological Dividend Multiplier

Solayer provides users with a dual-benefit opportunity by integrating USDC and the Solana chain. Users can earn returns by depositing USDC while also participating in other potential projects within the Solana ecosystem, achieving multiple benefits from a single investment, with a current APY of around 4%.

4. Author's Practical Configuration Plan: From Defense to Offense Asset Pyramid

In the crypto space, risk management is key. To ensure investment diversity, here is a personal stablecoin strategy for reference, with no investment advice.

Defensive Layer (50% of funds)

CEX Flexible Safety Net: Binance/OKX liquidity pool for immediate access to funds to meet sudden liquidity needs.

On-Chain Low Guarantee: Unlaunched protocols in the Solana ecosystem like NX Finance (USDT 10.85%), Pluto (USDC 6.19%), balancing yield and airdrop expectations.

Offensive Layer (30% of funds)

Yield Combination: Within the Pendle protocol, allocate YT:OT = 7:3, with the USDe pool accounting for 60% and the eUSDe pool for 40%, dynamically balancing interest rate volatility risks.

Exploration Layer (20% of funds)

Blind Mining: Small funds participating in new protocol liquidity mining, with no single project investment exceeding 5% of the total position.

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