Let's do some quick calculations. Suppose you have an annual disposable income of 100,000, and you're not aiming for principal appreciation but just want a stable cash flow, willing to accept on-chain risks but dislike large fluctuations—under these conditions, there's only one key number: the annualized return rate.

Simple arithmetic: a 5% annualized return requires a principal of 2 million; an 8% return needs 1.25 million; a 10% return only needs 1 million. In other words, saving up 1 million and earning interest can achieve the goal of lying flat.

But the key question is—where does a 10% annualized product come from?

Why not try USDD? This is a over-collateralized decentralized stablecoin, with a straightforward core mechanism: maintaining the stablecoin ecosystem through over-collateralization + on-chain transparency + verifiable returns. The smart allocator reasonably distributes earnings, stability fees, and liquidation fees to ecosystem participants.

USDD's yield schemes have several approaches:

**Lazy approach**: Just leave it on centralized platforms or DAO lending protocols, easily achieving 10% APY.

**Aggressive approach**: Participate in limited-time incentives or provide liquidity, with APYs reaching over 23%, offering higher returns.

**Cross-chain approach**: Convert USDD to sUSDD and operate on both Ethereum and BNB Chain, with a baseline yield of about 12%, allowing for flexible entry and exit.

The key is that this scheme has been tested by the market, and the yields are fully traceable and verifiable, not just empty promises. Putting your money in the right place, focusing on stable cash flow—this is indeed a mature choice for those seeking passive income through stablecoins.