How can the returns on stablecoins be improved? Let's look at strategies that can boost an 18% annualized return to over 20%.

**Strategy 1: Compound Rollovers**

The basic idea is to regularly withdraw the earnings, use that money to buy assets, add collateral, borrow more stablecoins, and then continue to earn interest through financial platforms. It sounds simple, but sticking to it for a few years yields noticeable results.

具体操作：每个月从理财平台提取一次收益，用这笔钱购买BTC、ETH或BNB等 mainstream coins. After purchasing, collateralize them into lending protocols, borrow stablecoins, and deposit into financial products.

Calculating the data makes it clear. Suppose you initially invested $100,000 in BTC, borrowed $60,000 stablecoins, with an annual return of $11,400.

By the second year, with $11,400 in earnings, increase collateral, making the total collateral $111,400, and borrow $66,840 stablecoins (maintaining a 60% collateralization ratio). This year, you could earn $12,700.

Continuing this cycle into the third year: collateralize $124,100, borrow $74,460 stablecoins, and the earnings become $14,147. Over three years, you would have earned $38,247, with an annualized compound return of approximately 12.8%.

**Strategy 2: Multi-Asset Portfolio**

Don’t put all your eggs in one basket. Avoid collateralizing only one asset; diversify your layout.

For example, allocate $500,000 as follows: collateralize $50,000 in BTC to borrow $30,000 stablecoins, collateralize $50,000 in ETH to borrow $30,000 stablecoins, and collateralize $50,000 in BNB to borrow $30,000 stablecoins.

What are the benefits of this approach? First, risk is spread out; if one coin drops, others can support the collateralization ratio. Second, it enhances security, making liquidation less likely. Lastly, it smooths out return fluctuations, as gains and losses across different assets offset each other, resulting in more stable earnings.