Recently, I've been helping some second-generation factory owners in the country with RMB and USD stablecoin arbitrage. To be honest, it's quite appealing. Recently, the RMB has appreciated, and you can buy USD at 7.12, then deposit the USD on various platforms. The RMB loan interest rate, due to factory collateral, is around 3%. By converting to USD and depositing on platforms, the annual return is generally over 6%.
I recently tried out the "Stablecoin Wealth Management Plus" feature of #BitgetWallet, and to be honest, the experience was quite surprising. An 18% annual interest rate on stablecoins—what more could you ask for? Especially when you see the interest being credited to your account in real-time, it feels like having a little machine in your wallet that automatically dispenses money. 😆
📈 Earnings Comparison: On-chain > Bank
First, let's talk about earnings. #BitgetWallet offers an annualized 18% APY, a figure I've rarely seen in on-chain, CeFi, or TradFi.
• Of this, 10% comes from the #Aave lending protocol, which is real on-chain interest, open and transparent.
• The other 8% is subsidized by #BitgetWallet itself, similar to a subsidy for yield farming, with interest visible daily and credited at any time.
Comparing with current banks:
• A few days ago, I checked the fixed deposit rates of banks in Taiwan/Mainland China, most are around 1.3%–2.2% annualized;
• Even if you go to the U.S. for USD fixed deposits, the maximum is around 4%–5%.
So, Bitget's 18% effectively turns traditional wealth management into dust. Even if the portion exceeding 10,000 USDC drops to 5.57%, it still surpasses bank levels.
🙌 Zero Threshold Experience
When I tested it, I put in some spare money, and there was basically no threshold—starting with just 1 USDC, no whitelist, no VIP status, and no "wealth disdain chain" from the exchange.
It's perfect for those with "idle USDC with nowhere to put it." For example, I usually have a few thousand USDC lying around in my wallet, which is essentially dead money. Now, by putting it into Wealth Management Plus, I can at least see some returns daily.
🔓 Flexibility Galore
This is also my favorite part.
• No lock-up!
• If you want to redeem, just click on the page and you can withdraw.
This is much better than some CeFi products I bought before, which had 30-day or 60-day lock-up periods. When the market moves quickly, you can't access your money and are left staring helplessly. This feels like a "high-interest liquid wealth management" that you can access anytime.
Overall, based on my personal experience, I recommend trying to fill up to 10,000 USDC in the first week, as that portion truly earns 18% while the platform is still subsidizing. The excess can be based on personal needs; 5.57% is still decent and can be treated as on-chain liquidity. Whether you're a beginner wanting to test the waters or an experienced user looking to park some idle money for subsidies, this product offers great value. It's far more appealing than bank deposits, with greater flexibility than traditional wealth management—why not take advantage of it? 🧐
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