In the blink of an eye, three months have passed since the USD1 airdrop distribution. Looking back, those 47 airdropped tokens seem more like a foreshadowing, quietly unveiling the prologue of the "family wealth playbook." Last week, WLFI's TGE made a sensational debut, with the token price halving at one point, allowing the Trump family to harvest significant traffic and funds.

But for ordinary users, beyond watching the spectacle, the more practical concern is how to increase their wallet's value. If those 47 USD1 tokens had been left idle in the wallet, they might not even cover gas fees; but if placed in CeFi or DeFi wealth management pools, they might have already hatched several "golden eggs."

So the question arises: What are your 47 USD1 tokens doing now? Are they quietly "lying flat," or are they working hard? 

Viewing the USD1 Wealth Management Panorama Through the "47" Airdrop

Based on continuous observation and community research, USD1 has been fully deployed on major public chains like Ethereum, Solana, Tron, and BNB Chain, and has diversified yield-earning scenarios in both CeFi and DeFi. The annual percentage yield (APY) range spans from 1.7% to 45%, catering to users with different risk appetites. Here's a breakdown across several dimensions:

CeFi: The Principal-Protected Channel Best for "Lazy" Users

Among centralized platforms, Binance Simple Earn is the "standard for lazy users." It requires a minimum investment of 0.1 USD1, offers around 13.5% APY, has no lock-up period, accrues interest daily, and, coupled with occasional Yield Arena events, is equivalent to "automatically grinding for upgrades."

HTX plays the "high-interest card," with APY in its stablecoin zone reaching up to 20%. However, this is a subsidized activity, suitable for short-term gains but not advisable for long-term reliance.

Furthermore, WLFI is advancing a full-platform USD1 points system covering exchanges like KuCoin, HTX, Bybit, and LBank. Holding, trading, or staking USD1 accumulates points, which can be redeemed in the future for airdrops, NFTs, or other benefits.

Solana Ecosystem: The Source of DeFi Vitality

Solana hosts the most abundant ecosystem for USD1 DeFi yields.

• Raydium USD1-USDC Pool: 1.2% APY, almost no price volatility, similar to an "on-chain Yu'ebao."

• Raydium SOL-USD1 LP: 15.1% APY, but requires accepting impermanent loss.

• Kamino Lending Vault: 4–6% APY, no lock-up, suitable for stable holdings, and also accumulates points.

• Raydium + Kamino Combo Pool: Yield range 4%–30%, highly dependent on reward token prices, volatile.

Ethereum: A Hotbed for High-Risk, High-Reward Strategies

Ethereum has always been a paradise for DeFi players, but risk and reward go hand in hand.

• Uniswap v3 USD1-WETH LP: 45% APR / 277% compounded APY, impressive returns but requires bearing impermanent loss. Good market conditions bring substantial fees, but if ETH surges unilaterally, you might be left mainly with stablecoins.

• Uniswap v3 USD1-USDT LP: 2.6% APR, stablecoin pair, almost no price risk, more of a "retirement-type" option.

• Aave v3 Lending Market (In Preparation): Estimated 2%–6% APY, overall risk is relatively controllable, more like a "proper financial product," suitable for conservative investors.

Tron: The Hidden Risk of Interest Rate Jumps

Tron's JustLend DAO offers more "extreme"玩法 (play methods/strategies).

• Regular Lending: ~1.74% APY, low risk, but limited returns, similar to an on-chain demand deposit.

• Maximum Utilization: When the pool is fully borrowed, the APY can skyrocket to 72.9%. But this state is highly unstable, and the rate can plummet at any time. It might be 70% in the morning and drop to single digits by the afternoon—caution is advised.

Tron's high yields rely entirely on an "interest rate jump model," making its volatility far greater than Solana's or Ethereum's. Conservative players might find it too刺激 (stimulating/risky), but short-term speculators monitoring closely might find moments of "excitement."