Using a certain stablecoin protocol for a long time inevitably leads to some "outsider's perspective" complaints. As an ordinary user, sometimes I wonder, if I were a product manager, how would I improve this system. Purely hypothetical, but it also reflects some users' pain points.

**Idea 1: Automatic Leveraged Lending Mode**

Currently, to improve capital efficiency, the process is too cumbersome—borrow coins, invest, profit, re-mortgage, continue borrowing... Can anyone optimize this? For example, could there be an "auto leverage" option? Users set a target collateralization ratio (like 50%, a relatively conservative level), link a yield source, and the system automatically invests the borrowed coins to generate interest, then converts the earnings into collateral to continue borrowing, looping until the target is reached. This should be accompanied by the most prominent red warning to emphasize risks, limit the number of cycles, and only be open to knowledgeable users. It could save a lot of time, but compliance issues will surely arise.

**Idea 2: Multi-Asset Basket Collateral and Hedging Mechanism**

Single-asset collateral is too nerve-wracking—market swings can cause panic. Could support for portfolio collateral be added? For example, users could mix ETH, BNB, and USDC in proportion to form an "asset basket" as collateral, which might stabilize overall volatility. Going further, when borrowing, automatically open a small position on a DEX for hedging, so even if the market fluctuates, the liquidation risk can be reduced.