Have you ever thought about "arbitraging" between different platforms to fully capitalize on interest rate differences?

Recently, I discovered an interesting strategy—using low-interest loans on one platform combined with high-yield financial products on leading exchanges, effectively extracting around 20% interest rate spread. This isn't some black technology; it's simply an opportunity created by interest rate mismatches.

**The core logic is actually very simple**

Suppose you hold blue-chip tokens like BTCB, ETH, BNB earning dust. Instead of letting them idle, you can collateralize them—on a certain platform, you only need a 1% interest rate to borrow USD1. Then, instantly transfer it to a leading exchange, and invest it in stablecoin yield products, which can yield around 20% annualized.

Borrow and deposit simultaneously, pocketting the 18% interest rate difference. This isn't a complex DeFi operation; in plain terms, it's a smart way to save and grow your money.

**Want to play more aggressively? Try stacking yield-bearing assets**

Assets like PT-USDe inherently generate returns. Buying them on the platform starts the earning process. Then, collateralize them to borrow USD1 (at just 1.87% interest), and use the borrowed USD1 to buy USDe and further increase your position in PT-USDe.

What does this mean? One asset generating multiple layers of income—PT itself earning interest, and the borrowed USD1 invested in exchange Earn (20% annualized) or platform-specific vaults (11.67%), stacking yields for multiple income streams.

**Why can this be so greedy?**

It all boils down to one word: interest rate difference. Borrowing elsewhere at 5%-10%, but doing it here at 1%-2%, means almost all the savings are profit. Plus, these platforms are mainstream, with relatively controllable smart contract and system risks.

**The operation process isn't as complicated as it seems**

1. Collateralize your blue-chip tokens or directly buy PT-USDe
2. Borrow USD1, choosing the market with the lowest interest rate
3. Transfer to a leading exchange
4. Invest in yield products and wait for the returns

No need to watch the market every day, no frequent operations—just move your idle funds somewhere else to sleep. Especially suitable for those who want both stability and to maximize every bit of yield.

Interest rate spreads won't stay this wide forever; early movers have already started quietly earning interest. If you have idle blue-chip tokens, it's worth trying—after all, it's much more profitable than doing nothing.