As a long-term investor optimistic about BTC, I have accumulated a lot of BTCB. However, holding for a long time brings the problem of idle funds—selling risks missing the bull market, but not selling means watching assets depreciate. This dilemma has troubled me for a long time. It wasn't until I came across lending solutions on BNB Chain that I found a breakthrough: collateralize BTCB to borrow USD1, operating with an ultra-low interest rate of 1% to arbitrage, achieving an annualized return of up to 18%. This way, I can continue holding the coins while generating steady income. This is truly a practical financial tool in a bear market.

The reason for choosing this solution is quite straightforward. As a deeply integrated ecosystem project on BNB Chain, it tightly binds itself to the value circulation within the chain ecosystem, with a particularly obvious internal capital recycling effect. A comparison of data makes this clear—some leading exchanges have BTCB lending interest rates hovering around 4%-5%, while this project offers a rate as low as 1%. Over a year, just the interest savings can amount to a significant sum. More importantly, the collateralization ratio is set quite aggressively; BTCB, as a high-quality blue-chip asset, has a collateral ratio of 65%. In other words, my $100,000 worth of BTCB can be borrowed out for $65,000 USD1—much higher than the industry average of 50%. With the same principal, the potential yield is thus significantly amplified.

The operation process isn't as complicated as it seems. First, transfer BTCB from your account to a self-custody wallet that supports BNB Chain. The most critical step is to ensure the network is switched to BNB Chain; if the network is wrong, assets could be lost forever. Then, connect your wallet to the lending platform, select BTCB as collateral, and the system will automatically calculate how much USD1 can be borrowed based on real-time prices and collateralization ratio. The entire process involves just a few clicks, making it easy for beginners to get started. Keep your position unchanged, but generate a continuous cash flow—this is the strategy long-term holders should consider.