Recently, the market has been discussing a very interesting topic—traditional financial giants are starting to enter the stablecoin and programmable asset sectors on a large scale.

Old-established financial institutions like Morgan Stanley, Credit Suisse, and Barclays are launching tools or on-chain product solutions that support stablecoin asset management. This signal is very important: upcoming capital inflows will focus less on betting on market ups and downs and more on finding real, sustainable sources of income.

Market sentiment is also quietly shifting. Previously, everyone was keen on "whose short-term gains are the fastest," but now more and more people are pondering "how to make steady profits."

**Why is it particularly meaningful to discuss low-interest stablecoin lending now?**

Simply put, the market needs certainty. Relying on guessing market directions is too exhausting and easy to get caught in a trap. Conversely, if you can find a way to borrow at low costs and combine it with financial management tools, you can lock in a relatively stable return.

On some DeFi lending platforms, you can lend stablecoins at an extremely low interest rate of about 1%. But this is just the starting point; the real idea lies behind this.

**An operational framework suitable for the current environment:**

**Step 1**—Use blue-chip low-interest assets as collateral. Assets like BTCB, ETH, BNB are favored by institutions and prudent investors. The risk is relatively controllable, which is also why they become mainstream collateral.

**Step 2**—Borrow stablecoins at low cost on lending platforms. A 1% borrowing cost means your capital utilization fee is so low that it can almost be ignored.

**Step 3**—Invest the borrowed stablecoins into financial management tools to participate in stablecoin yield plans. Some platforms offer annualized yields of 4-5% on stablecoin investments, allowing you to leverage a positive return spread.

This isn’t a complicated operation, but it indeed reflects the new normal of the current DeFi market—shifting from pure speculation to logical arbitrage. The entry of traditional finance also adds underlying confidence to this kind of strategy.