2025-11-30 08:10:33

How to survive in a Bear Market, sharing some methods for dollar deposits, ranked from low to high risk.

1. The BASE wallet offers an annual yield of 3.85%. Just put USDC in the wallet; no staking operation is required, and interest is distributed every Friday.
Risk: USDC explosion ( is almost 0), private key leak.

2. IBKR buys SGOV, which is a short-term U.S. Treasury stock issued by BlackRock, with returns equivalent to U.S. Treasuries, paying dividends at the beginning of each month.
Risk: Tax and regulatory risks, US debt crisis ( nearly at 0)

3. Wealth management on exchanges, but the interest is relatively low, generally between 1-3%.
Risk: Exchange Runaway

4. AAVE APP Deposit, with a 6% annual yield.
Risk: AAVE Exploded

5. On-chain DeFi, prioritize platforms with higher TVL such as Morpho and Spark.
Risk: Bad debts lead to chain explosions, contracts being stolen, private key leakage, etc.

AAVE0,98%

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