Looking to achieve stablecoin wealth management with USD1? The key is to build a systematic operational framework.

**Step 1: Do Your Homework**

Before starting, understand the numbers thoroughly. Regularly monitor the lending and borrowing interest rates of USD1 on DeFi platforms, and compare the APYs of various stablecoin wealth management products on leading exchanges to calculate your net profit margin. Then, based on current market sentiment, select collateral—this could be BTCB, ETH, BNB, or other yield-generating assets. Beginners are advised to start with a collateralization ratio below 50%—don't be too greedy. Finally, clarify your expected returns, maximum tolerable drawdown, and the entire operation cycle.

**Step 2: Take Action**

Complete collateralization and borrow USD1 on the DeFi interface. Here, repeatedly confirm the lending interest rates and liquidation conditions—these determine when you might be forcibly liquidated. Then, safely transfer USD1 to your exchange account, choose a wealth management product with an appropriate lock-up period, ensuring liquidity aligns with your plan.

**Step 3: Monitor and Adjust Continuously**

This is a dynamic process. Always keep an eye on the price movements of your collateral, and set up alerts using tools. After earning returns, don’t just sit idle—develop a plan for handling profits—either withdraw weekly for living expenses or reinvest monthly to scale up. When interest rates or yields change, flexibly adjust the type of collateral or collateralization ratio.

**Don’t Ignore Risks**

High returns inevitably come with high risks, and ignoring risks is the biggest risk of all. The core of this framework is to find a balance between yield and risk.