Today, let's look at stablecoin investment from a different perspective. No talk of arbitrage profits, just a practical question—how should I hold my stablecoins like USDT, USDC to avoid wasting them?

Honestly, I used to manage my money very roughly. Coins are coins, stablecoins just sit in my wallet gathering dust, never thinking about "activating" them. It wasn't until I started using Lista DAO's lending features that I realized—on-chain funds can also be used for "cash management."

The biggest shift in my understanding is this: stablecoins are not a position; they are just a tool.

In Lista DAO, my approach is very straightforward. I don't worry about how much I can borrow; instead, I treat every USD1 as an independent liquidity resource. Long-term idle assets are simply used as collateral. My only core goal is to unlock the liquidity that was originally locked in my wallet.

The key is that the borrowing cost for USD1 is ridiculously low.

This way, it's not about borrowing to gamble on market movements, but about spending a controllable cost to turn dead cash into active funds that can be deployed at any time. Efficiency immediately improves.

My approach is also very restrained. The USD1 I borrow isn't used on complex DeFi protocols; I transfer it directly to a major exchange to buy stablecoin yield products. Not because the returns are the highest, but because it acts like an online cash account—clear, stable, and flexible—easy to deposit or withdraw without fear of being trapped.

The results are truly immediate. I finally have a buffer layer of my own funds. Now, with the market fluctuating, my decision-making is less affected. Because I no longer rely on every penny to gamble; I always have backup funds that can be flexibly allocated. This feeling is true financial freedom.