My friend asked me a question the day before yesterday: "Are there any ways in the crypto world to make stable profits without having to watch the charts every day?" I didn't think too long and simply told him the truth: many people lose everything not because they choose the wrong coins, but because they simply don't understand how to use the "lending" tool effectively.

It sounds a bit mysterious, but the logic is actually very simple. Let me break it down.

Suppose you have BTC (or any valuable asset). You can use it to collateralize on Lista DAO, then borrow out USD1 stablecoin. The borrowing cost for this process is only 1% per year. Then, you put the borrowed USD1 into a top exchange's financial product, which can yield about 20% annualized return.

Here's a simple calculation: 20% return minus 1% borrowing cost equals a net profit margin of 19%.

In real terms: collateralizing BTC worth 100,000 U, you can borrow about 80,000 U in USD1. Putting this 80,000 U into a financial product for a year yields about 15,200 U. Throughout the process, your BTC remains in your wallet; if it appreciates, you profit; if it depreciates, it’s still your own asset, with basically no additional risk.

But there's an even more aggressive approach. What if your collateral isn't just ordinary assets, but assets like PT-USDe that generate income themselves? That gets interesting—

Your collateral is earning interest (first layer of income). The borrowed USD1 is invested in financial products earning 20% (second layer of income). Meanwhile, the 1% borrowing cost is almost negligible in comparison (third layer of cost reduction).

This is why some people call this strategy "One Fish, Three Gains."

But what’s the reality? Most people are still doing what—studying technical patterns on K-line charts, chasing after newly issued small coins, making simple arbitrage strategies overly complicated, and ending up losing money.

I've seen too many people holding seven or eight mainstream coins, staying up late to watch the charts, exhausting themselves mentally, and by the end of the year, their accounts are still in the red. Yet, with the right approach, the same assets could lead to completely different results.

This isn’t to say trading skills aren’t important, but rather—if you don’t have a particular talent for trading, instead of chasing after elusive high profits, it’s smarter to allocate your existing assets more wisely. Let your money work for you, rather than working yourself to exhaustion every day.

Ultimately, the real profit logic in the crypto world is sometimes hidden in these overlooked details.