1. Asset Positioning and Risk Balance

USDC: Low-Risk Stable Core (Recommended 50%-70%)

Safety: As a compliant stablecoin, USDC can generate stable returns through flexible wealth management (annualized about 2%) or by participating in the Launchpool stablecoin pool (annualized 5%-10%) within the Binance ecosystem.

Functional Adaptation: Resist market fluctuations and serve as a 'safety cushion' to maintain portfolio liquidity, especially allowing for quick conversion to other assets in extreme market conditions.

BNB: Medium-High Risk Income Engine (Recommended 30%-50%)

Ecosystem Value: As the core token of the Binance ecosystem, BNB offers multiple benefits such as trading fee discounts, new coin mining (Launchpool), and airdrops (like HODLer), with a comprehensive annualized return of up to 10%-20%.

Scarcity Support: The quarterly burn mechanism continuously reduces circulation (over 120 million have been burned), reinforcing the value foundation through long-term deflationary attributes.

2. Yield Enhancement Strategies

BNB Portion:

Staking Mining: Hold BNB to participate in Launchpool and earn new coin rewards (historical project single-instance returns can reach $280).

Airdrop Capture: Passively obtain new project tokens through the HODLer mechanism, requiring BNB to remain in wealth management or on-chain staking.

USDC Portion:

Flexible Wealth Management + Stablecoin Pool: Combine low-risk returns (2%) with medium-risk Launchpool stablecoin pool (5%-10%) to balance risk and return.

3. Risk and Risk Control Points

BNB Volatility: Historical monthly drawdowns have reached 25%-30%, requiring position ratio control and stop-loss settings (e.g., reducing holdings if critical support levels are broken).

Platform Dependency Risk: The value of BNB is strongly tied to the Binance ecosystem, necessitating attention to regulatory dynamics (e.g., compliance license progress) and exchange security.

Stablecoin Credit Risk: USDC relies on the issuer's ability to fulfill obligations and can be diversified across multiple platforms to reduce single risk.

Conclusion: The BNB + USDC combination achieves a risk-return balance through 'stable returns + ecosystem dividends.' It is recommended to adjust allocation ratios dynamically based on market cycles (increase BNB in bull markets, focus on USDC in bear markets), and utilize Binance tools (such as dual currency investment, Alpha points) to optimize overall returns.