最近一直在研究稳定币,如果不敢投资满手U,可以参考一下syrupUSDC
理由是什么?如果从真收益、透明度、可持续性,三个角度选一个最值得长期持有的收益型稳定币,我会推荐 syrupUSDC
原因不在于它 APY 有多高,而是它的收益模型,是目前整个稳定币市场里最健康、最不依赖补贴的代表。
它的利息不是平台硬塞、不靠发币补贴,而是由机构真实借钱所付出的利息分配给持有人,本质上,它做的就是传统金融里最标准的利差生意,有一群专业做交易与套利的机构,需要短期稳定的美元流动性,愿意用真金白银去支付利息,Maple 作为协议抽取极小比例费用,其余利息直接给 syrupUSDC 的持有者,这让整个收益来源干净、透明、可以持续。
与此同时,它并非那种 APY 动不动十几二十%的「补贴型稳定币」,也不是完全零利率的 USDT、USDC
syrupUSDC 的收益大多落在 6–8% 区间,虽然不浮夸,但也正因为如此,它没有那种补贴一停、APY 崩塌、TVL 逃光的死亡循环,但它确实不是完全无风险,可是至少所有借贷池、借款方、抵押物、收益来源,都以链上或协议层公开透明呈现,不像许多新稳定币一样黑箱,再加上 Maple 是老协议,过去几次市场剧震都挺过,这种被时间验证过的稳定度,也是大家目前需要的。
如果你手上有十万美元,想把一部分资金放在能产生收入、又不会因补贴结束而暴雷的稳定币,syrupUSDC 是目前整个市场里,在安全、收益、可持续性三者之间最中性的选择。
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