At 3 a.m., my phone screen flashed a notification in the darkness—this time it wasn't a promotional message but my own earnings alert. The message showed: "5万 USD1 collateralized, executed via automatic strategy, approximately $30.8 earned in the past 24 hours."

It might sound a bit pretentious, but all of this is truly done passively. I staked BNB and converted it into interest-bearing tokens slisBNB, then used that as collateral to set a rule for myself: "Once the borrowing rate drops below 1%, automatically borrow up to 50% of the USD1 position." The borrowed funds immediately flow into an audited yield farm.

The current DeFi ecosystem has evolved. It’s no longer just simple deposit and borrow; now it supports multi-layered automation configurations. Earlier this year, a leading lending protocol joined the RWA (Real World Asset) track, and some of my stablecoins started earning interest from U.S. Treasury bonds. Its lending market is sufficiently deep, often presenting mispriced interest rate opportunities—like "price gaps" in the middle of the night—my automated system always captures them precisely.

I’ve shifted my strategic thinking. Instead of frequent manual operations, I prefer to design rules in advance: a conservative portion allocated to RWA, a portion for arbitrage through collateralized lending, and another for liquidity mining. I treat the platform as a complete asset factory, where each part performs its role to generate combined yields. That midnight notification feels like a work report from a digital employee—pretty satisfying.