Market fluctuations cause repeated oscillations. Holding mainstream coins like BTC, ETH, or BNB, you're afraid of missing out if you sell, but watching your gains slip away if you hold—many people have encountered this dilemma.

Actually, there's a way to solve this problem. Use your coins as collateral on a blockchain lending protocol, borrow stablecoins from it, and then deposit the stablecoins into a DeFi yield farming pool on an exchange to earn interest. The interest rate difference can approach 20%, which is true idle capital appreciation.

It sounds complicated, but in practice, it's quite straightforward. The key is to understand this logic—on-chain borrowing costs are very low, and the yield from exchange DeFi products is decent. The profit lies in the spread between them.

**Preparation**

You need a Web3 wallet (MetaMask or a major exchange's Web3 wallet will do). Keep some BNB in the wallet to pay Gas fees. The core assets can be BTCB, ETH, BNB, or certain derivatives. Also, open an account on a major exchange, which will serve as the platform for your financial products.

**How to do it specifically**

The first step is simple—go to a lending protocol, connect your wallet, and deposit your blue-chip assets as collateral. For example, if you have BTCB, click "Deposit" to lock it in. Rest assured, the coins remain in the protocol, ensuring security.

The second step is crucial. After collateralizing, you can borrow. Here, you borrow the protocol's stablecoin product, such as USD1. Generally, a collateralization ratio of 50-70% is safer, meaning with 100 units of coins, you can borrow 50-70 units of stablecoins.

The third step is to transfer the borrowed stablecoins to the exchange. Find a stablecoin yield farming product in the DeFi section, choose one with a suitable APY, and deposit. At this point, the stablecoins start earning interest daily.

Wait, there's a detail to consider—the borrowing cost on the protocol side. In most cases, the lending interest rates for mainstream assets on these protocols are very low, sometimes even below 1%. Meanwhile, the annualized yield from exchange DeFi products can reach 15-20%. The spread between them is your profit.

But remember a few risk points: don't set the collateral ratio too aggressively, or market fluctuations might trigger liquidation; regularly check liquidation prices and market conditions; also, assess the creditworthiness of the stablecoin issuer. This isn't risk-free arbitrage, but it is a low-risk, high-reward strategy.

Oh, and one more detail—don't put all your funds into a single product. Diversifying risk is always wise.