Many people hold blue-chip assets like BTC, ETH, BNB, but don't know how to make them generate profit. Actually, there's a strategy worth trying—using the collateral mechanism on lending platforms to leverage idle assets for returns.

**Step 1: Find the right lending method**
Deposit your BTCB, ETH, or BNB onto a cross-chain supported lending platform, and pledge at a 60% collateral ratio. Currently, the borrowing costs for blue-chip assets are generally below 3%, which is a historical low. Taking BTCB as an example, one coin can lend out about 18,000 USD1 stablecoins, with a solid safety margin.

**Step 2: How to use the borrowed funds**
Don't let the USD1 obtained go to waste—invest it directly into a blue-chip lending pool of a DAO. The base APY here can reach 9.2%, plus additional token rewards (about 20% annualized), bringing the total yield to around 11.5%. Calculating this, with an 11.5% return minus a 3% borrowing cost, your arbitrage space is about 8.5%. This is what low-interest capital working for real gains looks like.

**Step 3: Manage the risks**
But high returns come with risks that must be monitored. Set up an alert mechanism: if BTCB or ETH drops more than 15%, immediately trigger a margin top-up. Use some of the token rewards to buy back blue-chip assets and keep the collateral ratio stable. Additionally, weekly convert 20% of the rewards into stablecoins to repay the principal, gradually reducing leverage risk.

The core of this strategy is to leverage the market interest rate spread while always prioritizing risk control. Don't be greedy, proceed with a measured pace—this is the right way to manage your assets.