Your USDT idle cost is a bit high. Currently, the profit landscape for stablecoins is changing, and those days of easily earning 20% annualized returns are becoming rare. Instead of passively waiting, it's better to take proactive action.

Try this approach: lock your USDT into XVS, then directly borrow an equivalent amount of stablecoins. The clever part here is—XVS provides a zero-interest borrowing channel, which means you get back the same value in U, and then you can move into a major exchange's stablecoin investment to continue earning the 20% annualized dividend.

Simply put, your funds are seamlessly transferred without additional borrowing costs, while opening up a new revenue channel. For stablecoin allocators, this low-friction strategy switch is worth serious consideration.