Stablecoin wealth management is something many people only know as "dead savings," but the approach can actually be more flexible.

Taking a PSM pool from a leading stablecoin protocol as an example, the annualized return for swapping USDT and isUSD remains stable between 7% and 12%. The key is that there’s no lock-up; you can deposit and withdraw at will. But this is not the end—by adding leverage through borrowing, returns can be boosted to another level.

Let's do some quick math with $1,000 USDT: depositing into the PSM pool yields a guaranteed annual profit of $70-$120, while using that $1,000 as collateral to borrow $700 stablecoins at a low interest rate of 2%. The $700 is then invested in an 18% annualized financial product on a platform, earning another $126. After deducting $14 in borrowing interest, the total annual profit is about $270, which translates to an annualized return of 28.2%.

Even better, the original $1,000 USDT can be redeemed at any time without affecting liquidity. The entire strategy is: arbitrage the spread + collateralized borrowing + reinvestment for amplification, layered on top of each other.

On the technical side, the PSM pool maintains the peg between isUSD and USDT automatically through smart contracts, with intelligent scheduling to ensure no liquidation risk. Paired with low-interest borrowing tools, this basically balances returns and safety. Of course, the premise is to choose a reliable protocol—just avoid getting scammed.