Stablecoins have evolved to the third generation, can you keep up? Fast forward to 2026, stablecoins can be clearly divided into three generations, namely: ⊙ Generation 1: Value Anchoring/USDT 2nd generation: On chain native/DAI Third generation: Interest bearing income/USDe The first generation focuses on value anchoring; The second generation emphasizes on chain native and anti censorship; The third generation has passive returns, and money can generate money. Let's dive in! ⬇️ BFUSD is a newly emerging third-generation stablecoin. Let's explore how to mine gold here together. Stablecoins, isn't it necessary to play with them without a few million dollars? Wrong, there's no TGE yet, do you understand what I mean? Points naturally need to be played with, and wealth and frugality are up to people, so it is not the only product of a big player. The BFUSD points activity is currently underway. Let me summarize the participation methods: ∝ Holding: Continuously holding various assets of BFUSD generates points ⊙ Critical Strike: Many one-time rewards must be obtained, with a low threshold of 100 u ∝ Bonus: It can be activated if it exceeds 1000 u ∝ Recommendation: Get 10% of the invited person's points directly By the way, with the basic points, there is also a more blatant incentive - BFI token subsidy, which is directly reflected in APY, with a total duration of 3 months, so staking can be obtained. The team behind BFUSD is @ Bitfi'Org, and Binance MVB9 has been selected for the project. They have been running BFBTC steadily for over a year, with an APY of around 6%. They have not encountered any problems and have accumulated many institutional clients, which is very rare. The new product bfUSD is a new stablecoin product on Ethereum, with the official website indicating the following rates of return in two pools: ‣ Horizon bfUSD：4.52%+143.25% ‣ Pulsar bfUSD：12.34%+107.56% The front is the basic income, settled with U, and the back is the token income. Why are there two separate pools? What's the difference? Which one is more suitable to choose? We have to start with the BFUSD "three coins, two pools" model. ∝ Three coins: bfUSD, hbfUSD, pbfUSD ∝ Two pools: Horizon and Pulsar The underlying innovation of BFUSD is the dual pool linkage. Horizon can be understood as a low-risk, capital preservation type, with an overall operation close to zero losses. Project parties will prioritize subsidizing the H pool, and large TVLs will come here. The basic strategy of H-pool is a market neutral strategy, a combination of RWA and DeFi, which protects the principal and yields compound interest. Pulsar is a high volatility, high-yield pool, where the underlying strategy experiences significant fluctuations. The P pool absorbs and redistributes returns from the H pool to achieve overall balance, and there are separate Boost incentives every month. Simply put, to achieve low risk and stable returns, simply deposit Mint BFUSD into the H pool. If you have a high risk appetite and want to obtain high returns, simply deposit BFUSD directly into the P pool. These three tokens can be used independently for trading, staking, cross chain through Layerero, and playing DeFi Lego. Returning to the local currency bfUSD, this is a stablecoin with 1:1 anchoring of USDC/USDT and 100% collateral on the chain. It's not about playing with algorithms or leverage, it's about solid anchor coins, using Chainlink to feed prices, and adding an audit. The foundation is solid. My personal recommendation is to join the H pool, where the volume is large and stable, close to lossless free prostitution tokens and basic returns. Direct Pledge: https://app.bitfi.one/?ref=BF3X604 // In summary, we can mint idle stablecoins into BFUSD, and then choose to deposit them into the H/P pool based on risk preferences, while harvesting points and token subsidies to maximize returns. Pay attention to the different redemption terms in the details, including instant redemption and standard redemption. I wrote so much in a grand manner, actually just for this sentence. Wish us good luck! / Author: Anymose | A Soft Core Science Popularization Writer This article is for educational purposes only and does not constitute any investment advice. Always remember DYOR!