The market is constantly fluctuating every day, which is perfectly normal. However, many people are forced to sell during downturns, mainly because they didn't consider there might be other options.

Looking at it from a different perspective, if you hold assets that you believe in and don't want to sell right now, you can use them as collateral to borrow stablecoins. This way, you can maintain your asset holdings while generating cash flow to respond to market changes. The beauty of this approach lies in its flexibility—you can choose to collateralize different types of assets based on your market judgment.

People who are truly optimistic about the future market will often use borrowed stablecoins at low points to acquire other assets. It sounds like leverage, but essentially, it's a smarter way to manage your positions.

The key is risk management. During volatile market periods, intentionally lowering your collateralization ratio gives you enough buffer space. The parameters of the protocol are designed with this in mind, preventing chain reactions of forced liquidations in extreme conditions. You can regularly check your risk status; lending platforms usually have interfaces that allow you to quickly see your position details.

Community members often share their strategies for dealing with market conditions, and these discussions can provide valuable insights. Using lending and borrowing for asset management, rather than purely chasing returns, can give you a more stable mindset.

I believe the value of these tools isn't just in increasing income. More importantly, they give you an option during market uncertainty—holding your assets while waiting and observing. Well-designed economic models ensure they remain relatively stable under various market conditions. In the future, adding more risk management tools would make this system even more complete.