Recently, I have been researching passive income methods for stablecoins and discovered a promising approach. Using mainstream assets like BTCB and ETH as collateral, borrow at an ultra-low interest rate of 1% through lending protocols to obtain USD1, then invest the USD1 into stablecoin financial products with a 20% annualized return. This way, you can lock in an approximately 18% arbitrage profit. In a bear market, this kind of steady arbitrage opportunity truly exists—no need to bet on market direction, purely profiting from interest rate differentials. The key is to choose the right combination of lending platforms and financial channels to ensure borrowing costs are low enough and investment returns are stable enough. This approach not only helps avoid market volatility risks but also allows idle assets to generate continuous income, making it a solid investment strategy.