Want to achieve high returns through stablecoins? This USD1 investment portfolio is worth exploring.

The core logic is simple: use BTCB as collateral to leverage USD1, then invest the USD1 into two different yield channels. How exactly does it work?

First, collateralize approximately 30,000 USDT worth of BTCB to borrow USD1 (annualized borrowing cost of 1%). This step is equivalent to using Bitcoin as collateral to unlock liquidity. Then, the key step—split this USD1 into two parts. One part is invested in PT-USDe to earn an 18% annualized return, and the other part is invested in a top-tier exchange’s financial product (about 20% annualized). After summing the two yields and deducting the 1% borrowing cost, the total expected return is around 38%.

Based on 30,000 USD1, PT-USDe yields about 5,400 USDT annually, and the financial product yields about 6,000 USDT annually. Subtracting 300 USDT in borrowing fees, the net profit is approximately 11,100 USDT.

But don’t rush—details matter. The two deposits must be placed in different wallets or sub-accounts to avoid asset recognition issues. Also, keep a close eye on the BTCB price to ensure the collateral’s Health Factor remains above 1.5 at all times, which is critical to prevent forced liquidation. Asset management interfaces of DeFi applications allow you to allocate different investment amounts to each yield channel, making the operation relatively convenient.