Staring at that seven-digit number in my wallet late at night, my finger hovered over the 'Redeem All' button.
The 5% annual yield on the USDT investment page is like a gentle trap—calculating to an easy daily profit of 136 yuan, enough to buy a nice cup of coffee, enough to get my child another picture book. But this money, how many all-nighters did it take and how many market crashes did I endure to save it?
The first time I touched six digits in the crypto world, I put all my money into a platform that promised an 8% interest rate. Until one early morning I received a 'system maintenance' notification, and watching the panic explode in the group, I finally understood how sharp the hooks behind high interest can be. That amount of money ultimately only returned 30%, which was enough to engrave into my bones: the interest in the crypto world is never given for free; every penny carries an invisible price tag.
The word 'stable' in USDT always wavers in my mind. Last year, on the day a certain stablecoin decoupled, I watched my friend's account evaporate half in half an hour, and he murmured to the screen: 'I just wanted to safely earn some interest.' No matter how detailed the reserve audit report is, it can't stop a sudden black swan—just like you always think your home is locked tight, but when a thief actually comes, your heart still skips a beat.
If I really have to move this 1 million, I would probably split it into three parts: 30% into the most secure staking channel, so I can sleep soundly watching the interest arrive daily; 40% converted into mainstream coins, leaving a little hope for the future, in case the market rallies; and the remaining 30%, maybe try a little to test the waters, or maybe transfer it directly to my bank card to provide my family with some solid security.
It's not that I don't trust USDT's interest; it's just that I am all too aware of the weight behind this 1 million. It represents countless struggles between 'cutting losses' and 'holding on', the guilt of missing my child's parent-teacher meeting, the anxiety of still watching the K-line while sick. These hard-earned and anxiety-laden funds, how can I dare to bet them all on the word 'stable'?
Perhaps some people can calmly invest their entire holdings for interest, but for someone like me who has stumbled in the crypto world, I always carry a measure of caution in my heart. Interest can be earned, but it must be done peacefully, without affecting my sleep, and in a way that respects the hardships endured to earn it. After all, this 1 million is the foundation of my life, not a chip to wager on 'whether something will go wrong'.
