Did Alipay forget about the 2 million funds?
Rushing into the crypto world for the wealth password, turning 2 million into 20 million
Institution-level strategy for crypto asset allocation
Core logic: Focus on capturing blockchain value, refuse gambling-style investments
Data support: According to Bloomberg's 2024 report, sovereign funds/asset management companies' crypto holdings grew by 370% (BlackRock, Fidelity hold over $5 billion BTC)
Scientific position allocation (2 million investable funds)
1️⃣ Cornerstone position: 50%｜1 million
BTC + ETH spot (7:3 allocation)
Adopt a dollar-cost averaging strategy: split investment monthly (e.g., 200,000/month × 5 months) to dilute volatility risk
▸ Custody options: Coinbase Custody｜Binance Institutional (compliance custody license > 99% fund security)
2️⃣ Yield enhancement: 30%｜600,000
Staking for interest:
✅ Coinbase $ETH staking (annualized 3.5% + APY｜SEC regulated)
✅ Liquid staking derivatives (Lido stETH｜annualized 4.2% + on-chain real-time redemption)
-Compliant DeFi protocols (limit TVL > $1B platforms):
▸ Aave USDC lending pool (annualized 5.8%｜over-collateralized guarantee)
▸ Uniswap V3 stablecoin market making (annualized 12-18%｜must hedge against impermanent loss)
3️⃣ Trend capture: 15%｜300,000
Compliant sector ETFs (no private key risk):
✅ Blockchain technology ETF (BLOK.US)
✅ Crypto mining ETF (WGMI.US)
- Spot layout narrative sector:
▸ RWA (tokenization of real assets): $ONDO｜$MKR
▸ DePIN (decentralized physical infrastructure): $FIL｜$HNT
4️⃣ Risk isolation: 5%｜100,000
- Cold wallet reserve (Ledger Nano X)
- Short hedging tools (limited to CME Bitcoin futures｜prohibit high leverage)
⚠️ Three survival rules (verified by institutional practice)
1. Position rule: single project investment ≤ total funds 5%, altcoin position ≤ 15%
2. Withdrawal mechanism: when profits reach 50% of principal, withdraw the principal and retain profits for compounding
3. Information filtering: only trust on-chain data (Dune Analytics) and Coindesk/Cointelegraph official media
