When we talk about building wealth in the world of cryptocurrencies, most people think about finding the next asset that can multiply by 10x. But the secret to maintaining a solid portfolio is not just in capturing big highs — it is in creating a cushion of passive liquidity that earns every day, effortlessly. This cushion is made up of stablecoins.
🔹 Why use stablecoins?
Stablecoins are digital assets backed by the dollar (such as USDT, USDC, FDUSD, XUSD). They maintain price stability, but on platforms like Binance, they can generate earnings through Earn — flexible deposit programs that pay investors interest.
This transforms your emergency or liquidity reserve into a productive asset, functioning as a kind of 'smart savings' within the crypto universe.
🔹 Strategic distribution
To ensure safety and yield optimization, the recommendation is to divide among different stablecoins, respecting the maximum allocation caps.
FDUSD → up to 300 USDT – APR of ~11% per year.
XUSD → up to 300 USDT – APR of ~15% per year.
USDT → up to 200 USDT – APR of ~11% per year.
USDC → up to 100 USDT – APR of ~12% per year.
💡 Maximum total allocated: 900 USDT
📈 Average yield: ~12% per year
This equates to a monthly passive income of around 0.9% to 1% of the capital.
🔹 The power of the strategic reserve
This cushion has three main functions:
Passive income → makes your portfolio grow even without operations.
Liquidity reserve → capital available to buy during drops or opportunities.
Emotional stability → reduces anxiety during moments of volatility, as you know that part of the portfolio is secure.
🔹 Moving forward: earnings from spread
Now comes the cherry on top. In addition to the passive income from stablecoins, it is possible to enhance earnings using crypto lending strategies.
How does it work?
You lock stablecoins in Earn.
Use another part as collateral in loans.
Take advantage of the interest spread: what you earn in Earn can be greater than what you pay on the loan.
This type of arbitrage creates an extra layer of income while keeping risk controlled.
🔹 Conclusion
Stablecoins are more than just a way to protect against volatility: they are a pillar of passive income and smart liquidity.
Building a strategic reserve in Earn ensures constant growth, security, and freedom to seize new opportunities without compromising your main capital.
🔥 Have you thought about turning your reserve into a continuous source of income and also using spread and CopyTrade strategies to multiply your results?
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