#稳定币发展与应用 Seeing that the XRP ecosystem has recently launched the earnXRP product, my first reaction is to feel pleased. The top five assets by market cap have only 0.1% of their supply in DeFi, which reflects that many holders are actually holding passively and haven't found a safe way to increase their value.

The new product uses a non-custodial vault, diversified strategies, and layered risk management, which seems to aim at solving this pain point. But I want to remind everyone of a few points: First, any yield opportunity comes with risks, and no matter how well-designed, this fact won't change. Second, compound interest looks attractive, but the premise is that you must accept strategy volatility and liquidity risks. Most importantly, don't change your original asset allocation plan just because there are new gain tools.

If you already hold XRP, and your emergency reserve and basic allocation are secure, you can try allocating a position you can afford to lose. Treat it as a stable supplement to your long-term portfolio, not a quick way to get rich. The power of compound interest is indeed strong, but only if you stick with it long enough. This is more important than any product design.