Exploring Low-Risk Yield Strategies Amid Current Market Fluctuation

In April 2025, global financial markets experienced severe fluctuations due to new tariff policies. As trade tensions escalated and the uncertainty of the Federal Reserve's stance grew, investors were seeking safe havens. In this turbulent environment, low-risk yield products based on stablecoins may become an ideal choice for investors. This article will introduce four stablecoin yield solutions worth paying attention to.

Spark Store USDC ( Ethereum )

This is an Ethereum-based stablecoin storage solution. Users can deposit USDC and earn returns. The returns mainly come from the Sky savings interest rate (SSR), which is supported by multiple sources such as cryptocurrency collateral loan fees, U.S. Treasury investments, and liquidity provision. The deposited USDC will be exchanged for USDS at a 1:1 ratio and deposited into the SSR treasury to generate returns. The value of the sUSDC token will increase as the returns accumulate.

Risk Assessment: Low Risk. USDC has a high level of stability, and this product has undergone multiple audits, significantly reducing the risk of smart contracts. However, investors should still be aware of the potential impact of market Fluctuation on liquidity.

Berachain BYUSD|HONEY (Berachain)

This is a liquidity pool for BYUSD/HONEY deployed on the native decentralized exchange BEX of Berachain. HONEY is Berachain's native stablecoin, while BYUSD is another stablecoin on the chain. Users can provide liquidity for these two stablecoins, earn LP tokens, and can stake the LP tokens to earn BGT rewards.

The sources of income include BGT rewards ( with a current annualized yield of 3.41% ) and trading fees within the pool ( with an annualized rate of 0.01% ). BGT is the non-transferable governance token of Berachain, which can be burned on a 1:1 basis for BERA and share the fee income from core dApps.

Risk Assessment: Low to moderate risk. As a stablecoin pair, the price fluctuation risk of BYUSD and HONEY is relatively low. The consensus mechanism of Berachain has also undergone professional auditing. However, BGT rewards may fluctuate due to validator allocation and governance decisions.

Uniswap V4 USDC-USDT0 Liquidity Provision (Uniswap V4)

This is a product that provides liquidity for the USDC/USDT pool of Uniswap V4 through the Merkl platform. Uniswap V4 introduces a "hook" mechanism that allows developers to customize pool functionalities, such as dynamic fee adjustments and automatic rebalancing, to enhance capital efficiency and yield potential.

The main source of income is the UNI token incentives.

Risk Assessment: Low to moderate risk. USDC/USDT, as a stablecoin pair, has a lower price fluctuation risk. However, investors should be aware of the risks associated with smart contracts, as well as the possibility of reduced returns after the incentive period ends.

Echelon Market USDC (Aptos)

This is a decentralized cryptocurrency market product based on the Aptos blockchain. Users can deposit USDC into the liquidity pool on the Aptos mainnet, participate in supply, and earn returns. Echelon Market is integrated with the Thala protocol, which provides stablecoins and a liquidity layer on Aptos.

The sources of income include USDC supply interest (5.35%) and Thala's thAPT rewards (3.66%). thAPT is Thala's deposit certificate, which can be minted and exchanged for APT at a 1:1 ratio.

Risk Assessment: Low to moderate risk. The stability of USDC is high, but attention should be paid to the smart contract risks in the Aptos ecosystem and the impact of thAPT redemption fees on returns. Instant exit provides high liquidity, but market fluctuations may affect the value of thAPT rewards.

Summary

In the current market environment, these low-risk yield products based on stablecoins may offer investors a relatively safe option. However, each product has its specific risk and return characteristics, and investors should choose based on their own risk tolerance and investment goals. At the same time, it is also crucial to continuously monitor market dynamics and the latest data of each product.