Original | Odaily Planet Daily (@OdailyChina)
Previous Records
More Suitable Lazy U-Based Financial Strategy (February 24)；
More Suitable Lazy U-Based Financial Strategy (March 3)；
More Suitable Lazy U-Based Financial Strategy (March 10)；
This column aims to cover relatively low-risk yield strategies primarily based on stablecoins (and their derivative tokens) in the current market (Odaily Note: Systemic risk can never be completely eliminated), to help users who wish to gradually increase their capital through U-based financial strategies find more ideal earning opportunities.
Base Interest Rate
- Odaily Note: The base interest rate currently covers single-coin financial plans from mainstream CEXs, as well as deposits and market-making plans from mainstream DeFi, including lending, DEX LP, and RWA.
This week's base interest rate section mainly wants to highlight two points.
One is the CeFi side's Binance LaunchPad/LaunchPool (including Binance Wallet new offerings). Recently, Binance has shown clear signs of activity, with Nillion (NIL) launched on LaunchPool last week, and Bedrock (BR) added to Wallet. Considering the current market sentiment has somewhat recovered, ideally, the annualized yield for this period's LaunchPool USDC pool (FDUSD pool is higher) is estimated to exceed 15% (based on a $1 billion FDV calculation; since NIL has not yet launched, specific data may fluctuate); the new offering single number yield also exceeded 100 U. These are all must-have small gains, just go for it.
The other is Meteora, where the Meteora team officially announced two governance proposals regarding the MET token last week.
The first governance proposal states: Increase the token reward share for liquidity providers (LP) from 10% of the total supply to 15%; additionally, an extra 3% of the total supply will be provided to participants in Launch Pools and Launch Pads.
The second governance proposal states: Propose to allocate 20% of the total supply of tokens to the team, locked for 6 years; additionally, 2% will be allocated from the team share to M3M3 stakeholders.
The community trust that was once lost can only be repaired through a broader perspective; I tend to believe in it once more. In terms of specific strategies, consider the FDUSD-USDC pool with FDUSD incentives (7.32% APY, simultaneously earning Meteora points).
Pendle Section
First, regarding fixed income, the real-time ranking of PT yields in various stablecoin pools within mainstream ecosystems (Ethereum mainnet, Base, Arbitrum, BNB Chain) on Pendle is as follows.
On the LP side, the most important news this week is that the Ethena Season 3 event has ended (airdrop query opens in the first week of April), but Ethena has simultaneously launched a 6-month Season 4 event, with the current incentive pools remaining unchanged. From a pure points efficiency perspective, consider the USDe pool expiring on July 31 (up to 10.83% APY, 60 times Ethena points increase) and the eUSDe pool expiring on May 29 (up to 7.59% APY, 50 times Ethena points increase and 1.6 times Ethreal points increase).
Additionally, other LP pools to consider include the recently completed financing round for the Level lvlUSD pool (which will be detailed below) and the Astherus USDF (up to 16.82% APY, 35 times points increase) and asUSDF pool (up to 13.19% APY, 25 times points increase) that CZ interacted with over the weekend on X.
Always remember, the significance of storing Pendle LP is "to earn yields while also gaining points"; the value of points depends on the potential of the project itself, so look for projects with more narrative angles.
Other Opportunities
Continuing from the previous mention of Level, this project just completed a $2.6 million financing round led by Dragonfly, with participation from Polychain and others last week.
Currently, Level has launched a points program, where holding, staking (6.86%), and market-making on platforms like Pendle (lvlUSD pool up to 13.79% APY, 40 times points increase) can accumulate points. As of the publication date, the total user count is only 12,438 — excellent investors, low competition, and initial potential for significant growth.
Another project to watch is Perena (pool invitation code available: GRLJKL), founded by Anna Yuan, former stablecoin head at the Solana Foundation. This project launched a new season (Pre-Season) points activity last week, with three main ways to accumulate points (Petals):
Trading (limited to 5 transactions per day): Not recommended to artificially inflate, just use it in daily activities;
LP within the protocol, with different increases based on deposit duration (up to 3 times, requiring 60 days), LP yield is relatively low;
RateX and Exponent internal LP, which can be understood as the Solana version of Pendle, with relatively higher LP yields, but the increase is currently unclear.
Personally, I would recommend the third path, as RateX and Exponent also have certain airdrop expectations.
Finally, Backpack** also launched a points program last week**. If you have a stablecoin exchange need, besides Perena, you can also use this channel. *Those willing to try hedging strategies can consider using SOL to participate in Meteora's JITOSOL-SOL pool (9.64%) or Fragmetric staking (8.05%), while shorting SOL on Backpack for the same amount*, maintaining a certain yield while simultaneously earning points across multiple platforms.
免责声明：本文章仅代表作者个人观点，不代表本平台的立场和观点。本文章仅供信息分享，不构成对任何人的任何投资建议。用户与作者之间的任何争议，与本平台无关。如网页中刊载的文章或图片涉及侵权，请提供相关的权利证明和身份证明发送邮件到support@aicoin.com，本平台相关工作人员将会进行核查。
