Honestly, the recent promotion by a certain leading exchange offering 20% annualized return is indeed very tempting—limit of 50,000 USDT per account, easily earning nearly a thousand dollars a month. But I really dug into it thoroughly and found an even more aggressive approach.

By connecting protocols like ASTER and ListaDAO, in theory, you can achieve an annualized return of 26%, earning about 1,300 dollars a month on 60,000. Sounds exciting, right?

But after laying out this plan and drawing a diagram, I became completely sober. Four asset conversions, three protocol jumps, two collateralized loans... this isn’t "passive income," it’s stacking blocks that could collapse at any moment.

Loan costs fluctuate, oracles might malfunction, liquidity pools may lack depth—each step can turn into a ticking time bomb. Losing the gains is one thing, but having your principal backfire is true despair.

This made me think: are we pushing ourselves into a maze just to earn a few more percentage points? The core principles of asset allocation—simplicity, transparency, risk controllability—are actually being overlooked.

Real wealth accumulation doesn’t require you to be an actuary calculating countless variables. It should be based on clear rules and stable underlying logic. Take USDD, for example. It doesn’t offer you the short-term temptation of 26%, but it provides something else: a more solid value appreciation logic.

In ecosystems like TRON, USDD can generate stable returns through staking scenarios. These returns come from the protocol’s mechanism design, without the need to jump across protocols or face hidden risks stacking up. The yields are transparent, the sources are clear—this is the kind of thing that can accompany you for the long haul.