Stablecoin Yield Product Comparison: Analysis of Four Major Platforms' Low-Risk High Liquidity Solutions

In times of market turmoil, stablecoin yield products become a safe haven

Recently, the global financial market has been extremely volatile, and investors are increasingly seeking safe-haven assets. In this context, low-risk income products based on stablecoins have become a choice for many investors. This article will introduce four stablecoin income products to provide reference for investors.

What to do about market fluctuations? Check out these low-risk income options

Spark Savings USDC ( Ethereum )

The Spark platform offers USDC savings services, allowing users to connect their wallets through the official website and deposit USDC. The returns come from the Sky savings interest rate (SSR), generated from cryptocurrency collateral loan fees, investments in U.S. Treasury bonds, and providing liquidity to other platforms. USDC is exchanged for USDS at a 1:1 ratio and deposited into the SSR vault to earn returns, with the value of sUSDC tokens increasing as returns accumulate.

Risk assessment: Low. The stability of USDC is high, and Spark's multiple audits reduce smart contract risks. However, attention should be paid to the potential impact of market fluctuations on liquidity.

What to do about market volatility? Check out these low-risk income options

Berachain BYUSD|HONEY (Berachain)

Users can enter BeraHub via the Berachain official website, connect a compatible wallet, and select the BYUSD/HONEY pool on the Pools page to provide liquidity. The obtained LP tokens can be staked in the rewards vault to earn BGT.

The sources of income include BGT rewards ( 3.41% APR ) and pool transaction fees ( 10.01% APR ). BGT is the non-transferable governance coin of Berachain, which can be burned 1:1 for BERA and shares the fee income from core dApps.

Risk assessment: Low to moderate. BYUSD and HONEY are stablecoins, with stable prices. The PoL mechanism has been audited, and the risk of the smart contract is relatively low. However, BGT rewards may fluctuate due to emission adjustments.

What to do about market fluctuations? Check out these low-risk收益 options

Uniswap V4 USDC-USDT0 Liquidity Provision (Uniswap V4)

Through the Merkl platform, investors can deposit USDC or USDT into the Uniswap V4 USDC-USDT0 pool. Uniswap V4 introduces a "hook" mechanism that allows developers to customize pool functions, such as dynamic fee adjustments and automatic rebalancing, enhancing capital efficiency and yield potential.

The income mainly comes from UNI token incentives.

Risk Assessment: Low to Medium. The USDC/USDT pool is a stablecoin pair, with lower price volatility risk, but attention should be paid to smart contract risks and the possibility of reduced returns after the incentive period ends.

What to do about market fluctuations? Check out these low-risk yield options

Echelon Market USDC (Aptos)

Investors can visit the Echelon Market official website, connect an Aptos-compatible wallet, and select the USDC pool to participate in the supply on the Markets page. Users receive supply certificates, and earnings accumulate in real-time.

The yield includes USDC supply interest (5.35%) and Thala's thAPT rewards (3.66%). thAPT is Thala's deposit certificate, minted and redeemed at a 1:1 ratio for APT, with a redemption fee of 0.15%.

Risk Assessment: Low to Moderate. USDC has high stability, but attention should be paid to the smart contract risks within 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, stablecoin yield products provide investors with a relatively safe option. The four products mentioned above each have their own characteristics, and investors can choose based on their own risk preferences and investment goals. It is important to note that although these products have lower risks, there are still potential risks such as smart contracts and liquidity, and investors should carefully assess and diversify their investments.

| Product | Chain | TVL( million USD) | APY | Risk Rating | |------|----|--------------:|-----|----------| | Spark Savings USDC | Ethereum | 1,200 | 4.56% | Low | | Berachain BYUSD|HONEY | Berachain | 800 | 3.42% | Low to Medium | | Uniswap V4 USDC-USDT0 | Ethereum | 500 | 2.8% | Low to Medium | | Echelon Market USDC | Aptos | 150 | 9.01% | Low to Medium |

The above data is for reference only and does not constitute investment advice. Investors should conduct their own research and bear the corresponding risks.

What to do about market fluctuations? Check out these low-risk income options

View Original
This page may contain third-party content, which is provided for information purposes only (not representations/warranties) and should not be considered as an endorsement of its views by Gate, nor as financial or professional advice. See Disclaimer for details.
  • Reward
  • 4
  • Share
Comment
0/400
MetamaskMechanicvip
· 9h ago
We still have to look at the Liquidity, my friends.
View OriginalReply0
ForumLurkervip
· 15h ago
Finally, I can see reliable hedging.
View OriginalReply0
AirdropHunter007vip
· 15h ago
What to choose between USDT and USDC, they're about the same.
View OriginalReply0
LayerZeroHerovip
· 15h ago
Hedging? It's better to just lie flat.
View OriginalReply0
Trade Crypto Anywhere Anytime
qrCode
Scan to download Gate app
Community
English
  • 简体中文
  • English
  • Tiếng Việt
  • 繁體中文
  • Español
  • Русский
  • Français (Afrique)
  • Português (Portugal)
  • Bahasa Indonesia
  • 日本語
  • بالعربية
  • Українська
  • Português (Brasil)