A friend of mine who has been in crypto for three years asked me a couple of days ago:

"If you saved up 1 million USDT, would you just throw it all into USDT, collect interest, and chill?"

I shook my head immediately—large sums of money were never meant to just live off interest.

Truth: The reason many people make money slowly isn't because they're unlucky, it's because their money simply isn't working. You think you're waiting for the right opportunity, but in reality, your funds aren't even prepared to "seize opportunities."

Take last month for example. My friend put 1 million idle funds into something yielding 8% annually—barely over 80k a year. Even he thought that was painfully slow. I asked him to send me a screenshot of his holdings, and it was obvious—fully idle, no rhythm, of course it’s slow.

So I talked to him about the "three-layer capital model" commonly used by big players. Breaking it down, here's how it works:

**First Layer: 20% Stable Base**
This part isn't for getting rich quick, it's for keeping your mindset steady.
Financial mining, node staking, platform activity bonuses... put some anywhere, the key is to make sure you won’t panic from being all-in, nor get FOMO from missing out. Stay stable, survive longer.

**Second Layer: 50% Main Arbitrage**
This is where most returns come from. Don't chase hype, don't go all-in—just focus on solid swing trades.
Like when ETH dropped from 3435 to 3160 recently, the levels were clear, risks controllable. Using half your capital to trade that move, you can lock in solid gains. Over a year, this layer alone is enough to keep you well-fed.

**Third Layer: 30% Opportunity Ammo**
Always keep some dry powder.
The real big moves, black swan events, or new token volatility often hit out of nowhere. Last time a new coin’s price support broke down, I shorted it right away and captured the cleanest profit. Opportunities are only there for those who have money ready.

The logic of this model is simple:
20% to stabilize your mindset, 50% for steady output, 30% to catch explosive moves. When your money is working, you have rhythm, and you’re ready to grab opportunities, you’ll naturally outrun those just living off interest.

To put it bluntly: It's not that the market lacks opportunities—it's that your money isn't structured to "capture opportunities."

If you want your USDT to really start moving, sort out your capital structure first, then talk about everything else.