Bai An Wallet U Token Carnival: In-Depth Comparison of Low Guarantee and High Yield Schemes

Bai An Wallet previously launched a U-token reward campaign, offering participants three different profit schemes. The main feature of this campaign is lowering the entry barrier, making it easy for beginners to participate. The entire activity is divided into three options, from guaranteed minimum rewards to high-yield investments, catering to users with different risk preferences.

Beginner-Friendly Low-Guarantee Plan: Activity A’s Three-Choice Conditions

For novice users just entering the crypto market, Bai An Wallet designed the “Activity A” low-guarantee plan. The core logic of this plan is simple—meeting any one of three conditions allows sharing in a prize pool of 100,000 U. The three conditions are: directly holding 100 U in the wallet, staking at least 100 U in the Venus or Lista liquidity pools, or borrowing 100 U via Web3 lending tools.

The advantage of this design is reducing participation difficulty. No complex operations are required, and large capital is not necessary; the 100 U threshold is affordable for most users. Most importantly, this plan adopts an “everyone shares equally” rule, avoiding a winner-takes-all situation and ensuring every participant can receive a basic reward.

High-Yield Plans for Venus and Lista: The Temptation of 44% and 38% APY

Activities B and C are designed for the Venus and Lista DeFi protocols, offering more attractive yields. Depositing at least 100 U into Venus’s activity pool can share a prize pool of 350,000 U, with an approximate annualized yield of 44%. In comparison, Lista’s activity pool offers an APY of about 38%, also sharing 350,000 U.

A major difference between the two schemes is “the earlier you participate, the higher the APY.” This means that participants’ returns are not fixed but gradually decrease the later they join. Early participants can receive more generous rewards, incentivizing quick action. From a yield perspective, Venus’s 44% APY is slightly better, but both schemes far exceed traditional financial product returns.

Which scheme to choose? Balancing Low-Guarantee vs. High-Yield

For risk-averse users, the low-guarantee plan in Activity A is stable and reliable. Although the returns may not be as dazzling as high-yield schemes, the advantages are low participation barriers, simple operations, and minimized risks.

For users willing to accept certain risks and pursue maximum returns, choosing the high-yield schemes of Venus or Lista is more worthwhile. The 44% and 38% APYs are indeed attractive at the time, but it’s important to note that such yields often come with liquidity risks, contract risks, and other factors. In DeFi, high returns are often accompanied by high risks.

The cleverness of Bai An Wallet’s campaign lies in giving users the freedom to choose. Whether a cautious beginner or an aggressive veteran, everyone can find a suitable plan. The key is to make rational decisions based on one’s risk tolerance and capital size.