Recently, I've been pondering whether to transfer assets into stablecoins. A friend's idea is very practical—just exchange when it's useful. But there's a problem with this logic: during a stablecoin depreciation cycle, how can one outperform the decline?

I asked AI, but most of the suggestions were traditional financial advice, which was not targeted at Web3. Then I looked at it from a different angle: if I have 10,000 USDT, what options in Web3 can ensure stable appreciation? Essentially, there are two paths: LP liquidity mining or staking yields.

Honestly, neither of these options is completely risk-free. LP involves impermanent loss, and staking involves lock-up periods and project risks. The returns may seem attractive, but volatility and liquidity constraints are often underestimated. Instead of blindly chasing high yields, it's better to understand your risk tolerance first. The key is to find that balance—the intersection of returns, safety, and flexibility.