In recent days, many people have been talking about what might happen next. Perhaps you also feel that sense of uncertainty—when global policy changes, exchange rate fluctuations, and liquidity risks intertwine, those holding crypto assets face not only price volatility but also survival challenges.

Imagine a scenario: suddenly, market liquidity dries up. Stocks, bonds, and cryptocurrencies all face difficulties, and everyone is looking for an exit. At this moment, those holding only volatile assets will find themselves helpless. Meanwhile, those who have already allocated a "lifeboat" to their assets can stay calm amid the storm.

What is this "lifeboat"? It’s actually a system that allows your crypto assets to generate continuous income while maintaining liquidity and stability.

Take mainstream assets like BNB and ETH as examples. You can stake them in certain DeFi protocols to earn stable staking rewards. The key is—these rewards do not depend on market price fluctuations but are guaranteed by the protocol’s operational mechanisms. In other words, no matter how the market moves, you can still earn basic income.

But that’s not enough. True "protection" comes from liquidity schemes. Based on your staked assets, the protocol allows you to borrow stablecoins pegged to the US dollar. What are the benefits of doing this? You continue to hold your original assets to earn returns, while also holding stablecoins that can be used anywhere you need—liquidity extraction, emergency response, or even participating in other DeFi opportunities.

This design concept is particularly clever. It’s not about predicting whether a crisis will come, but asking a more fundamental question: regardless of what happens, how can your assets stay active?

Many focus on finding the next skyrocketing asset. But experienced investors think about how to balance certainty and risk. Stablecoin protocols are a concrete realization of this balance—they provide cash flow, retain your asset exposure, and reduce liquidity risk.

Of course, every mechanism has its own logic and risk parameters. The key is to understand how it works and then make judgments based on your own situation. For those who want to operate more securely in the crypto market, understanding these types of protocols is worthwhile.