---
title: "Several paths for ordinary people to invest in stablecoins ✅ have all been sorted out!"
type: "Topics"
locale: "en"
url: "https://longbridge.com/en/topics/32373860.md"
description: "Here is a comprehensive analysis of the three major channels for stablecoin investment, combining profit logic, yield levels, and security assessments to help you balance risk and return: 📍 1. Centralized platforms (CEX) earning interest Representative products: Binance RWUSD (4.2% APR), Nexo (up to 12% APR) Profit logic: Users deposit stablecoins (e.g., USDT/USDC), and the platform invests them in low-risk real-world assets (RWA), such as U.S. Treasury bonds or institutional lending, to earn interest spreads. For example, Binance RWUSD is essentially an internal accounting instrument of the platform, not an on-chain asset..."
datetime: "2025-08-01T09:43:27.000Z"
locales:
  - [en](https://longbridge.com/en/topics/32373860.md)
  - [zh-CN](https://longbridge.com/zh-CN/topics/32373860.md)
  - [zh-HK](https://longbridge.com/zh-HK/topics/32373860.md)
author: "[稳定币交易猿](https://longbridge.com/en/profiles/15730207.md)"
---

# Several paths for ordinary people to invest in stablecoins ✅ have all been sorted out!

Here is a comprehensive analysis of the three major channels for stablecoin investment, combining profit logic, yield levels, and safety assessments to help you balance risk and return:

### 📍 1. Centralized Platforms (CEX) Earning Interest

**Representative Products**: Binance RWUSD (4.2% APR), Nexo (up to 12% APR)

-   **Profit Logic**:
    -   Users deposit stablecoins (e.g., USDT/USDC), and the platform invests them in low-risk real-world assets (RWA), such as U.S. Treasuries or institutional lending, to earn interest spreads.
    -   For example, Binance RWUSD is essentially an internal accounting token of the platform, not an on-chain asset, with returns derived from RWA benchmarks (e.g., tokenized U.S. Treasuries).
-   **Yield Characteristics**:
    -   Annualized yield of \*\*3%-12%\*\* (Binance RWUSD at 4.2%, Nexo up to 12% with lock-up or interest-bearing tokens).
    -   Stable returns, distributed daily, with no complex operations.
-   **Safety**:
    -   **High**: The platform assumes custody and redemption responsibilities, with Binance RWUSD offering principal protection.
    -   **Risks**: Platform credit risk (e.g., bankruptcy), regulatory restrictions (RWUSD not available to U.S. users).

### ⚠️ 2. Cryptocurrency Lending Platforms

**Representative Institutions**: Divine Research (20-30% interest rates), 3Jane (uncollateralized lending), Wildcat (low-collateral institutional lending)

-   **Profit Logic**:
    -   **Lender Role**: Lend stablecoins to platforms or borrowers to earn high interest (e.g., Divine at 20-30%).
    -   Platforms cover default losses with high interest (Divine's first-time default rate at 40%).
    -   Institutional platforms (e.g., Wildcat) provide customized loans for market makers, with low collateral but reliance on credit assessments.
-   **Yield Characteristics**:
    -   Annualized \*\*10%-30%\*\*, significantly higher than CEX, but with default risk.
    -   Platforms like 3Jane use AI agents to reduce risk, promising lower future rates.
-   **Safety**:
    -   **Medium-Low**: High default rates for uncollateralized loans, difficult recovery (Divine only restricts repeat borrowing via iris ID).
    -   Historical lessons: 2022 collapses of Celsius, Genesis, and other lending platforms led to user capital losses.

### 🔄 3. Decentralized Finance (DeFi) Platforms

**Representative Protocols**: Aave (4-7% APY), Curve (high-yield liquidity mining)

-   **Profit Logic**:
    -   **Lending Protocols** (e.g., Aave): Deposit stablecoins into liquidity pools for others to borrow, earning floating interest.
    -   **Liquidity Mining** (e.g., Curve): Provide liquidity for stablecoin trading pairs, earning transaction fees and governance token incentives (e.g., CRV).
-   **Yield Characteristics**:
    -   Base yield of \*\*4%-12%\*\*, combined with token incentives can reach \*\*20%+\*\* (but token prices are volatile).
    -   Yields adjust in real-time based on market supply and demand.
-   **Safety**:
    -   **Medium-High**: Funds are managed by smart contracts, avoiding platform runaway risks.
    -   **Risks**: Contract vulnerabilities (e.g., hacks), impermanent loss (liquidity mining), governance token depreciation.

### 🚨 4. Beware of "Fake Stablecoin" Scams

Recent regulatory warnings highlight Ponzi schemes disguised as stablecoins, with features including:

-   **Extremely High Yield Promises**: e.g., "Xin Kang Jia" claims 1% daily interest (365% annualized), "JD Stablecoin" at 70% annualized.
-   **Pyramid Structures**: Multi-level referral rewards (e.g., thousands in rebates), relying on new funds to sustain old accounts.
-   **Cross-Border Fund Transfers**: Require users to convert fiat to USDT for deposits, evading bank oversight.

> 💡 **Truth**: Such projects are often Ponzi schemes or worthless tokens, with over 10 billion RMB in scams in China by 2025.

### 💎 5. Investment Strategy Recommendations

Choose channels based on risk appetite:  
| **Channel Type** | **Yield Range** | **Safety** | **Suitable For** |  
| -------------------- |----------------| ----------- |---------------------------|  
| Centralized Platforms (CEX) | 3%-12% APR | ★★★★☆ | Conservative, novice investors |  
| DeFi Protocols | 5%-20%+ APY | ★★★☆☆ | Tech-savvy, volatility-tolerant |  
| Crypto Lending Platforms | 10%-30% APR | ★★☆☆☆ | High-risk, professional institutions |  
| **"High-Yield" Scams** | ＞50% APR | ☆☆☆☆☆ | **Avoid Absolutely** |

**Operational Principles**:

-   **Diversify Small Amounts**: Avoid large concentrations in single platforms; prioritize compliant platforms like Binance, Nexo.
-   **Verify Mechanisms**: DeFi protocols need audits (e.g., Aave); lending platforms should focus on collateral ratios and risk control (e.g., Wildcat's institutional backing).
-   **Regulatory Updates**: Mainland China bans all stablecoin activities; Hong Kong requires stablecoin licenses starting August 1.

> Stablecoins are "low-volatility" assets, but yields always align with risk. **Projects offering ＞15% annualized require extreme caution**; genuine RWA yields remain in single digits. Stay vigilant to avoid becoming "fuel" for Ponzi schemes.

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## Comments (3)

- **来财嘟嘟 · 2025-08-12T06:55:24.000Z**: Learn it
- **孙悟空¥¥¥ · 2025-08-02T03:35:42.000Z**: Can Guotai Junan open a Hong Kong account?
  - **Must win** (2025-08-05T06:37:21.000Z): What does it mean