Stable Income Strategies in Financial Market Fluctuations

In April 2025, the global financial markets experienced severe fluctuations due to new tariff policies. Trump announced the implementation of "reciprocal tariffs" on major trading partners, setting a baseline tariff of 10% and imposing higher rates on specific countries. This decision triggered a strong market reaction, with the S&P 500 losing $5.8 trillion in market value in just four days, marking the largest single-week loss in nearly 70 years. Bitcoin prices also fluctuated dramatically between $80,000 and $90,000.

In the face of such a volatile market environment, how should investors respond? This article will introduce four low-risk yield products based on stablecoins, which may provide relatively stable income opportunities in the current uncertain market.

It is important to note that the following content is for reference only and does not constitute investment advice. Investors should make decisions based on their own circumstances and risk tolerance.

Spark Saving USDC ( Ethereum )

Users can connect their wallets through the official website and choose the Savings USDC product to deposit USDC.

Source of Earnings: The earnings from saving USDC mainly come from the Sky Savings Rate (SSR). This rate is supported by income generated from cryptocurrency collateral loan fees, investments in U.S. Treasury bonds, and providing liquidity to other platforms. USDC is converted to USDS at a 1:1 ratio through Sky PSM and deposited into the SSR vault to earn income, with the value of sUSDC tokens increasing as earnings accumulate.

Risk Assessment: Low. USDC has high stability, and multiple audits reduce the risk of smart contracts. However, attention must be paid to the potential impact of market Fluctuation on liquidity.

Berachain BYUSD|HONEY (Berachain)

Users can access BeraHub through the official website, connect to a Berachain compatible wallet, select the BYUSD/HONEY pool on the Pools page, and deposit BYUSD and HONEY to provide liquidity. The LP tokens obtained can be staked in the reward vault to earn BGT.

Source of income: Mainly from BGT rewards (3.41% APR) and transaction fees within the pool (0.01% APR). BGT is a non-transferable governance token that can be burned 1:1 for BERA and shares the fee income of the core dApp.

Risk Assessment: Low to Moderate. BYUSD and HONEY are stablecoins with relatively stable prices; the smart contract has been audited, posing lower risks. However, BGT rewards may fluctuate due to emission adjustments.

Uniswap V4 USDC-USDT0 Liquidity Provision

Users can connect their wallets through the Merkl platform to deposit USDC or USDT into the corresponding products to provide liquidity for Uniswap V4.

Source of income: Mainly from UNI token incentives.

Risk Assessment: Low to Moderate. The USDC/USDT pool is a stablecoin pair with lower price Fluctuation risks, but attention must be paid to smart contract risks and the potential decrease in returns after the incentive period ends.

Echelon Market USDC (Aptos)

Users can connect their Aptos-compatible wallet through the official website and select the USDC pool on the Markets page to deposit USDC and participate in supply.

Source of income: includes USDC supply interest (5.35%) and Thala's thAPT rewards (3.66%). thAPT is Thala's deposit certificate, which can be exchanged for APT at a 1:1 ratio.

Risk assessment: Low to moderate. USDC has high stability, but attention should be paid to the risks of smart contracts and the impact of thAPT redemption fees on returns. Market fluctuations may affect the value of thAPT rewards.

Summary

In the current market environment, the aforementioned stablecoin yield products may provide investors with relatively stable income opportunities. However, each product has its unique risk and return characteristics, and investors should carefully choose based on their own risk tolerance and investment goals. At the same time, closely monitoring market dynamics and policy changes is also crucial for timely adjustments to investment strategies.