Sound Investment Strategies Amidst Turbulent Financial Markets

In April 2025, global financial markets experienced severe fluctuations due to Trump's tariff policy. Trump announced the implementation of "reciprocal tariffs" on major trading partners, setting a baseline tariff of 10% and imposing higher rates on specific countries. This policy triggered a strong market reaction, with the S&P 500 losing $5.8 trillion in market value in just four days, marking the largest single-week loss in decades. The price of Bitcoin also fluctuated violently between $80,000 and $90,000.

Federal Reserve Chairman Powell stated that tariffs could raise inflation and suppress growth, but the Fed will maintain policy stability and focus on long-term data. Several financial institutions have raised the probability of a recession in the U.S., and the market outlook is fraught with uncertainty.

In this turbulent market environment, how should investors respond? This article will introduce four low-risk yield products based on stablecoins to provide investors with references. It is important to note that the following content is for reference only and does not constitute investment advice; investors should conduct their own research and bear the risks.

Spark Saving USDC (Ethereum)

Investors can connect their wallets through a certain DeFi platform, select the Savings USDC product, and deposit USDC.

Source of income: The earnings from saving USDC mainly come from cryptocurrency collateral loan fees, investments in U.S. Treasury bonds, and income generated by providing liquidity to other platforms. USDC is converted to USDS at a 1:1 ratio and deposited in the vault to earn income, while the value of sUSDC tokens increases as earnings accumulate.

Risk Assessment: Low. USDC has high stability, and the platform has undergone multiple audits, reducing the risk of smart contracts. However, attention should be paid to the potential impact of market volatility on liquidity.

Berachain BYUSD|HONEY (Berachain)

Investors can access the relevant platform, connect a compatible wallet, select the BYUSD/HONEY pool on the designated page, and deposit assets to provide liquidity. The obtained LP tokens can be staked in the rewards vault to earn additional returns.

Sources of income: mainly include governance token rewards (3.41% APR) and trading fees within the pool (0.01% APR). Governance tokens can be burned at a 1:1 ratio for the platform's native tokens and share the fee income from core applications.

Risk Assessment: Low to Moderate. BYUSD and HONEY are stablecoins with relatively stable prices; the platform's consensus mechanism has been professionally audited, and the risk of smart contracts is low. However, it is important to note that rewards may fluctuate due to governance decisions.

Provide Liquidity to Uniswap V4 USDC-USDT0 (Uniswap V4)

Investors can connect their wallets through a certain aggregation platform and deposit USDC or USDT into designated products to provide liquidity for Uniswap V4.

Source of income: Mainly from UNI token incentives.

Risk Assessment: Low to Moderate. The USDC/USDT pool is a stablecoin pair with lower price volatility risk, but one should be aware of smart contract risks and the potential decline in returns after the incentive period ends.

Echelon Market USDC (Aptos)

Investors can access specific market platforms, connect Aptos-compatible wallets, select the USDC pool on the Markets page, and deposit USDC to participate in supply.

Sources of income: including USDC supply interest (5.35%) and additional token rewards (3.66%). Additional reward tokens can be exchanged for the platform's native tokens at a 1:1 ratio, with a small fee charged upon redemption.

Risk assessment: Low to medium. USDC has high stability, but attention should be paid to the smart contract risks within the ecosystem and the impact of additional reward token redemption fees on returns.

Summary

In the current market environment, stablecoin yield products may be a relatively safe choice. Investors should prudently select suitable products based on their own risk tolerance and investment goals. At the same time, closely monitor market trends and policy changes, and adjust investment strategies in a timely manner.