Many brothers have asked: Is there a way to achieve a stable annualized return of 12-18% in the crypto world?

Today I specially worked overtime to organize this issue (rushing during the holiday, welcome to add more!)

1️⃣ Conservative (Low Risk):

US Treasury RWA (such as USDY, USD0) annualized 4%-5%, suitable for long-term holding.

Exchange savings (such as Binance Earn) 2%-20%+, top platforms are safe.

2️⃣ Yield Enhancement (Medium to High Risk):

Ethena arbitrage (USDe): annualized 15%-35%, relies on derivatives hedging, but be wary of negative rate risks.

Pendle yield tokenization: annualized 8%-25%+, flexible trading of yield rights, suitable for experienced DeFi practitioners.

3️⃣ High-Stakes Options (High Risk):

Structured products (such as shark fin, etc.) annualized 5%-30%+, requires a certain ability to judge the market.

Alternative staking (such as AO network staking DAI) fluctuating returns, high risk.

💡 Suggested Combinations:

For stability: US Treasury RWA + top exchange savings.

For yield: Ethena arbitrage + Pendle tokenization diversified allocation.