Recently, the market has been dull, with some activity on the BSC chain, but overall market liquidity is drying up. Returning to a familiar question—where should the money go?

Stablecoins indeed solve the surface-level needs of settlement and liquidity, offering smooth and stable usage, but essentially they are just high-level checking accounts. Once funds are in, they just sit there, with no logic for appreciation.

Looking deeper, decentralized stablecoins like DAI attempt to break this deadlock. Compared to simple fiat-pegged assets, they at least provide a more complex financial ecosystem. But the problem arises—under conditions of overall sluggish liquidity, even innovative mechanisms struggle to solve the fundamental allocation dilemma.

From another perspective, when the market lacks sufficient profit opportunities, the question of "where to put the money" becomes particularly impoverished. It's not a product design issue, but rather that the market itself hasn't yet emerged a new value niche.