Recently, market sentiment has become more volatile, and many investors are caught in a dilemma: chasing hot topics is too risky, but fully switching to U tokens might miss opportunities. At such moments, the actions of whale wallets speak volumes.

In the past 24 hours, the total value locked (TVL) in stablecoin lending protocols has surged by 37%—what's behind this data? It indicates that institutional investors are quietly shifting strategies: converting volatile assets into interest-earning stablecoin positions.

Why is this shift happening? The key lies in the design of stablecoin lending mechanisms. Taking popular lending protocols as an example, users can use mainstream assets like ETH, BNB, etc., as collateral to generate stablecoin positions. Even if the market drops sharply, the collateral remains sufficiently covered, and systemic risk is strictly controlled. This structure acts both as a risk hedge certificate and a source of income.

What's more interesting is that whenever the market plunges into panic, borrowing demand surges. During such periods, liquidity providers can actually earn more attractive yields. Simply put, during the most uncertain times in the market, it becomes a golden window for obtaining stable returns.

Rather than worrying about market direction, it's better to find a position that can both diversify risk and generate cash flow. This might be the new approach for investors today.