If you're holding stablecoins worth millions, just leaving them idle is indeed a bit of a waste. Recently, I've been looking into some big investors' allocation strategies and found that many institutional investors are using a relatively conservative approach.

The core logic is actually quite simple: stablecoin wealth management boils down to solving three problems—security and reliability, whether returns can be locked in, and sufficient liquidity.

Take the RWA (Real-World Asset) approach as an example. Using real assets like U.S. Treasury bonds as collateral, the historical annualized return can be stably maintained between 3.65% and 4.71%, with a low risk level. Compared to the unpredictable nature of liquidity mining, this kind of stability is indeed more suitable for large sums of capital. Moreover, the underlying assets are compliant, highly transparent, and have complete audit records that institutions require. The TVL (Total Value Locked) is around $3.3 billion, so there’s no need to worry about liquidity issues when entering or exiting.

Another approach is to lock in yields through fixed-rate modules. Market interest rate fluctuations are a headache for everyone. For long-term capital allocation, fixing costs and returns in advance makes things much simpler. By signing a fixed-term lending agreement, it’s like insuring your returns—you don’t have to watch the market every day. This is especially friendly for institutional clients doing financial planning.

Another detail is the cost of using stablecoins themselves. Zero-cost minting and redemption, and cross-border transfers are also inexpensive, which is very convenient for large investors needing cross-regional fund allocation. A complete ecosystem of lending, RWA, and trading systems means funds can move in and out without hassle.

Overall, for stablecoins worth millions, rather than messing around aimlessly, it’s better to find a reliable RWA product combined with a fixed-yield module. Building on a foundation of security and transparency to steadily grow assets is truly the way to long-term asset allocation.