Holding stablecoins on exchanges to gather dust? Why not try on-chain DeFi yield products, offering both high current yields and flexibility.

Recently, I experienced a collaboration product between a certain DEX and an on-chain lending protocol. The returns are impressive—USDC can reach 12%, and USDT remains steady at 11%. The key is that these are all flexible products; you can enter or exit at will, without lock-up periods.

The process is also very straightforward. After subscribing, the funds go directly into the protocol to start earning interest. Each account is assigned a separate on-chain address, avoiding sharing with large pools, which enhances privacy. The entire process can be verified on-chain, ensuring transparency. You don't even need to pay gas fees yourself—the platform automatically handles conversions and payments, saving you hassle.

If you have surplus stablecoins during periods when they are earning interest, this method is worth considering. Stable returns, strong liquidity, and simple operation.