The community rewards of BNB in 2024 are undoubtedly satisfying, bringing considerable returns to holders. However, with the arrival of 2025, this 'cake' is gradually getting smaller, and more resources are starting to tilt towards Alpha.
The atmosphere in the plaza has also changed; it has shifted from 'participation' to 'involution'. Currently, Alpha's incentive mechanism mainly rewards the top 50,000 in points ranking, making it hard not to doubt whether the subsequent rewards are sufficient to cover the time and costs invested in brushing points.
For BNB holders, the returns in 2025 are clearly not as bright as last year.
As yields sharply decrease, many community members' confidence is also impacted. During the process of organizing tools, I unexpectedly discovered a better way to utilize funds—capital protection and coin earning.
I wrote a script to calculate the current earnings of capital-protecting coin earning products and compiled a ranking of the annualized rates of regular products.
Capital Protection and Coin Earning · Annualized Rate TOP 15 of Regular Products (sorted by yield)
At a glance, it's all altcoins; many people's first reaction is: 'What if the coin price crashes?'
The answer is actually very simple: Hedge.
Taking the number one SHELL as an example:
Regular period: 30 days
Annualized return rate: 40%
Deposit limit: 5000 SHELL
Monthly income (non-compounding): 5000 * 40% / 12 = 166.7 SHELL
To hedge against the risk of price volatility, we can use contracts to open short positions:
Strategy example: Open a 2x short position, with a short position size of 2500 SHELL.
Total investment: 5000 + 2500 = 7500 SHELL
Monthly return: 166.7 SHELL ≈ 2.2% return (equivalent to an annualized rate of about 26.4%)
Even if SHELL drops by 50% after 30 days, due to short position hedging, the actual net profit remains attractive.
For players holding BNB who are disappointed with 2025, this is a more rational way to participate.
Just the TOP 15 products on the ranking list are enough for everyone to enjoy. Large BNB holders can choose to play FDUSD, with a minimum threshold of 50,000 U (but there is no upper limit on the investment pool). FDUSD, as a stablecoin on the BNB platform, can be considered without hedging, with a solid annualized return of 16.37%.
***Supplement***
1️⃣ The chart below is a version that includes historical costs, thanks to the feedback from fellow coin enthusiasts, which adds the comprehensive costs of regular products over the past 30 days. Binance's financial sector has few detailed introductions in the plaza, and everyone is not well-informed about it. Excellent altcoins like $STRK have long been bought up by those who understand.
2️⃣ For those worried about liquidation, I want to clarify the ratio of short contracts to spot, which can be adjusted according to the situation. For example, $FDUSD basically does not require purchasing contracts to short; it is a stablecoin. Even at $SHELL , the drop in the past 30 days has not reached 50%. If concerned about contract positions, one can open a 1x short. (If the short contract liquidates, it means the coin price has surged, and our spot earnings are higher.)
I only used SHELL as an example; there are also more stable coins like BB, solv, etc. The contract: spot can be controlled at 3:1, while conservative players can use 1:1. The less capital allocated to contracts, the higher the return.
Calculation formula:
Return on investment = Annualized return of the regular product / 365 * regular period * financial spot / (financial spot + capital occupied by contract hedging)
Tip: We are investing in altcoins, and what we get is also altcoins.
The yield ranking of regular products needs to consider various factors for selection.
***Supplement Two*** (Supplement to the financial diagram of FDUSD, it seems to be unsearchable on the mobile end, try the web end)
I am Chimes, who loves research. Studying finance is one of my pleasures. If you like it, please follow and support me.
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