2026-01-09 01:21:25

In 2026, RWA (Real World Asset On-Chain) has become a new hot topic in the crypto circle. Many people are starting to consider a question: how to achieve stable returns in the crypto market without taking full risks?

The USD1 product is worth a look. Its RWA financial plan offers investors an annualized return of 3.65%-4.71% — this level is actually higher than traditional bank large-denomination certificates of deposit, and the key point is that it can also avoid the sharp fluctuations of the crypto market. For traditional investors, this is basically the lowest risk entry point into the space; for those who have been navigating the crypto world, this is a must-have in asset allocation.

Apart from RWA, the PSM pools provide another route — 7%-12% annualized returns, suitable for funds that want to move quickly in the short term. Walking on two legs, with greater flexibility.

The ecosystem governance token $LISTA is another dimension. Not only can you hold the token for benefits, but you can also vote on which RWA projects go live, truly participating in the ecosystem evolution. As the scale of RWA expands, the token’s appreciation potential is also increasing.

Overall, when RWA moves from concept to actual implementation, those who can secure early positions will hold the dividends of this track. At present, this kind of financial plan is indeed worth paying attention to.

USD1-0.01%

LISTA-3.73%

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GraphGuru

· 01-12 00:36

Oh, it's the RWA story again. This time, it feels a bit different. --- USD1 is indeed attractive, but I always feel that the 3.65% figure might not look so good once the bear market arrives. --- PSM pools offer 7-12%? Feels like another round of yield rate racing. --- I still want to see if $LISTA governance rights are actually useful. --- Stable income sounds great, but I'm worried it might just be another gentle trap before a project runs away. --- Walking on two legs sounds good, but you need to distinguish which one is the golden leg and which one is the glass leg. --- I'll believe it when RWA actually lands. --- This idea of voting with tokens—how many people will really take it seriously? --- Avoiding volatility is always talked about, but in the crypto world, "unexpected" events always catch us off guard. --- As for positioning, honestly, whether it's early or late depends on how VC firms play it.

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MemeEchoer

· 01-09 04:58

3.65% annualized return is not even as good as the increase I got last time I bought the dip. Why do I have to wait a year? Wait, you say you can avoid volatility? That sounds like pretending to be stable in the crypto world haha The 7%-12% from PSM is somewhat interesting, but it also depends on how deep the pool is Can LISTA be voted on? That counts as true democracy, much better than some project teams making all the decisions

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TopBuyerBottomSeller

· 01-09 01:51

3.65%-4.71%？Not bad, definitely more attractive than bank certificates of deposit --- PSM pool 7-12%, short-term volume depends on risk premium whether it's worth it --- LISTA voting rights are interesting, but how's the participation rate in ecosystem governance? Can it really influence anything? --- RWA implementation is the trend, just worried that after another wave of hype, it will fall back --- Asset allocation definitely needs some stable income; going all-in is too exhausting --- Does an annualized 4% really beat traditional finance? It depends on whether there's a crash --- Walking on two legs sounds good, but in practice, risk exposure must be controlled well --- How long can this dividend period last? Feels like it's just storytelling again --- Is USD1 reliable? Could it also be an air project actor

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TokenVelocityTrauma

· 01-09 01:49

3.65% yield sounds pretty good, definitely better than letting your money sit in the bank collecting dust. Is RWA really coming? Feels like another wave of getting chopped up for the chives. PSM 12% annualized? A bit tempting, but do you really dare to take on that risk? Crypto advancement roadmap, saved for slow research. Is USD1 reliable? Has anyone really made money with it? Governance token voting rights sound good, but can they really be trusted?

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BoredApeResistance

· 01-09 01:42

3.65% really can beat high-yield fixed deposits? Why do I feel like it's just another new trick to trap naive investors... --- PSM pool 12%? Sounds good, but what about the risks? No one mentions them, right? --- Positioning, positioning, always talking about positioning, but what’s the result... --- Wait, is USD1 stable? Has anyone really made a profit? --- Governance tokens are getting old news, just more hype and empty promises. --- 4.71% sounds attractive, but who knows when it will crash. --- Walking on two legs? Bro, you need both legs to step into the trap.

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SchrodingerWallet

· 01-09 01:42

Sounds good, but can the yield of USD1 really be stable? Don't tell me there's another sudden crash The RWA concept has been hyped for so long, and finally there's something tangible, finally seeing some progress The 7-12% rate for PSM is quite tempting, need to do some research Wait, 3.65% is even higher than bank fixed deposits? My local fixed deposits start at 4% The governance token for $LISTA, I’m interested in participating, but afraid it might just be another air coin Positioning, positioning, is this really a good time to enter or just a bag-holder? RWA is a valid direction, but I always feel something's off with this financial management logic

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SpeakWithHatOn

· 01-09 01:41

3.65% returns? Why hasn't it taken off yet --- Wait, can the PSM pool really stabilize at 7%-12%? I feel a bit skeptical --- Another "low-risk" product, just listen to it --- The LISTA governance token is indeed interesting; the voting feature is a highlight --- Now everything has to talk about RWA, feels a bit like hype-raising --- 3.65% is not even as good as my fixed deposit last year, is this the upgrade? --- Positioning, positioning, there's always someone positioning, wake up everyone --- I want to see if I can really get the 12% cap on PSM --- Finally, there's a product aimed at ordinary people, which is worth trying out --- Walking on two legs sounds good, but I'm afraid both legs might give out

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