#数字资产行情上升 Many people in the crypto circle, after earning a million-level amount, their first reaction is to go all-in on $USDT to earn annualized interest. It seems safe, but this is precisely the reason why capital growth slows down.

A friend of mine is like this—holding 1 million idle funds, expecting to live off over 80,000 in interest each year, but the more he waits, the more impatient he becomes. He asked me how I operate, and when I saw his account screenshot, I understood: all funds are just "lying around," with no rhythm at all, no wonder growth is slow.

**The truth is: large capital never relies on interest alone to survive; it relies on structured operations to amplify returns.**

The core logic is actually very simple—your fund pool must be designed to "capture opportunities." Those who earn slowly, their money is indeed moving, but the problem is that the overall framework isn’t set up properly.

What I shared with him is the **three-layer allocation model** commonly used by large funds:

**Layer 1: 20% Stable Bottom Line**
This isn’t for big gains, but for "stability." $USDT interest, node staking, ecosystem subsidies—these yields may seem low annually, but they keep your mindset steady, prevent overexposure, and avoid impulsive moves. During market volatility, this layer provides psychological support.

**Layer 2: 50% Low-Risk Arbitrage**
This is the main source of profit. Not blind FOMO or chasing highs and lows, but doing "certainty-based swing trading." For example, when $ETH drops from 3435 to 3160 at clear levels, using 50% of your position to short, with a favorable risk-reward ratio. Relying on this stable layer alone, you can already earn real profits within a year.

**Layer 3: 30% Opportunity Arsenal**
Always reserve positions for major market moves. Black swan events, new coin anomalies, major players stepping on each other—these often happen when you least expect. Be prepared to respond immediately, so when a new coin shows signs of support cracking, you can reverse your position and capture the first wave of clean profits.

**The ultimate effect is:** 20% for guaranteed peace of mind, 50% for steady gains, 30% waiting for the big hit. Funds are flowing, positions are rhythmic, and opportunities can truly be seized—naturally, you’ll run faster than just earning interest alone.

Reflect on your current allocation—there’s no shortage of opportunities in the market, what’s missing is that your money isn’t structured in a way that "can seize opportunities." Those who can turn the tide in the crypto market are never lucky; they simply set up their capital framework correctly from the start.