With market fluctuations so frequent, many people are pondering how to reduce risk while making their money work for them. There is a lending protocol operating on the BNB Chain that has built a layered yield system with a peak TVL of $4.3 billion, catering to users with different risk preferences.

Let's start with the most stable part. RWA and PSM are the foundation, belonging to the low-risk zone. RWA products benchmark short-term US Treasuries and AAA-grade CLOs, with annualized yields ranging from 3.65% to 4.71%. These returns are hardly impressive compared to traditional bank large-denomination certificates of deposit, but the key is their extremely low risk, with default probabilities virtually negligible. They are especially suitable for institutions and large funds seeking preservation of value. Next, the PSM pool offers 7% to 12% yields through an USDT and isUSD swap mechanism, with good liquidity and reliable security. These products often sell out quickly, so early planning is essential.

The middle layer is dominated by liquidity staking, which is standard for BNB holders. Staking BNB into slisBNB allows earning 8.95% to 12% compounded interest, and users can also participate directly in a major exchange’s Launchpool to earn new token rewards. This is essentially a "staking + airdrop" dual approach, diversifying income sources. For those seeking more aggressive strategies, they can borrow BNB using slisBNB and then stake it again, creating a cycle that amplifies returns. Since it involves the same token, the losses during staking are minimal, and risks are more controllable.

At the top of the pyramid is the Vaults area, designed for those willing to accept high risks. Backed by risk funds, the official vaults employ aggressive strategies to push annualized yields up to 18%. However, there is a caveat—liquidity may be limited, so mental preparation is necessary.

The beauty of this system is that everyone can find a position that suits them. Conservative users can earn steady returns at the bottom, while more aggressive ones chase higher yields at the top. The entire ecosystem revolves around the stablecoin isUSD, forming a complete yield cycle from low-interest borrowing to high-interest earning. The key is to identify the strategy that best matches your risk tolerance within this structure.