The simplest and most efficient USDT asset allocation strategy
(The following is content I researched and use as a CFA, not a promotional article)
After Flipster's previous crazy 122% USDT deposit event, they are still offering the highest rate in the industry at 22%.
Currently, I use it as a bank in the crypto space, with high and stable interest rates and flexible fund utilization.
First, this is a piece of content that everyone needs to read, especially those who need low-risk asset allocation:
Wealthy individuals
People with spare cash
Those who want to save time for more meaningful activities
Groups that are not suitable for this strategy:
Those who already have stable profits of over 15%
Those looking to make quick profits in the short term
Hot-blooded gamblers
Next, I will directly compare the most iconic low-risk allocation targets in the industry to see their pros and cons. The rest is up to you on how to operate; feel free to leave questions below, and I will respond.
Comparing with the most established and stable Bitfinex lending, there have been 6 days in the past 30 days with interest rates exceeding 10%, averaging about 8% annual interest. However, for USDT, there are several concerns:
Low interest rates: As the crypto space's incremental growth decreases and attention shifts to larger, more stable projects rather than explosive ones, excess returns diminish, making it difficult for the foundational lending rates to reproduce the past average of 20%.
Low fund utilization: The lending business is straightforward; it simply involves lending out money, with no leverage operations, no use as margin, and even no immediate access for free use.
High costs and complications: If you can't code, you can only manually find the "best interest rate" and "lending period" at set times; or purchase services provided by others, which requires consideration of both time and lending costs.
Exchange rate erosion: The primary product of Bitfinex lending is USD, so holding USDT requires first converting it to USD to achieve a higher and more stable interest rate, and the transaction costs in between must also be considered.
In simple terms, it requires time, and the interest rate received will be lower than the stated 8%.
In contrast, Flipster:
Simply depositing into the exchange guarantees a fixed interest rate of 7%, easily reaching 22% under certain conditions. I will have a calculation and tutorial in my next article; if you want to see it, leave a comment. There is an invitation link in the comments, and using it effectively increases the interest rate.
The deposited USDT is not locked, allowing for margin trading and free withdrawals at any time.
Interest starts accruing immediately upon deposit, with daily interest payouts.
Simply holding USDT allows for daily interest withdrawals in USDT.
An additional benefit is that withdrawal fees are extremely low (BSC 0u, Tron 0.3u)
On a side note, it's a good thing the 122% event ended early; otherwise, they would have given away too much money, and I was genuinely concerned that the exchange wouldn't be able to recover.
So relatively speaking, it is a reasonable marketing budget. The safety aspect is really hard to say in the crypto space, but these clues can still be referenced.
In conclusion, first register for Flipster using the JZINVEST invitation code, then deposit USDT into Flipster. The rest, whether you want to trade, research strategies, or withdraw for other purposes, can be discussed later. Just simply treat it as a place for active USDT savings.
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