I recently discovered a good investment idea and want to share it with everyone. By combining low-interest borrowing with high-yield investments, you can achieve a quite impressive annualized return.

The basic idea is simple: use your high-quality assets as collateral, borrow stablecoins, and then invest those stablecoins into a leading exchange's financial products. It might sound unremarkable, but numbers are king.

Let's look at a specific example. Suppose you collateralize $100,000 worth of BTCB and borrow $60,000 USD1 from Lista DAO, with an interest rate of only 1%. Deposit this $60,000 into a top exchange's Earn product to earn a 20% annualized return. Calculations show that the investment yields $12,000, with a borrowing cost of only $600, netting $11,400, which translates to an annualized return of 11.4%. If we also consider the potential appreciation of BTCB itself (around 10%), the total return could approach 21.4%.

Of course, risk management is crucial. First, keep a close eye on the collateral's price, and set alerts if it drops by 10%. Second, keep the collateralization ratio below 60% to reserve a sufficient safety margin. The third point is to prepare emergency funds; in case of a market downturn, you need cash ready to quickly top up your collateral.

This strategy is more suitable for long-term players holding mainstream cryptocurrencies who want stable cash flow. Risk tolerance should be moderate. My advice is to start small, get familiar with the process, and gradually increase your investment. After all, involving leverage requires caution.