I am a DeFi enthusiast with many years of experience in the crypto market. From early days of chasing hot coins with rapid rises and falls, to now exploring steady income strategies, I’ve paid quite a bit of tuition. Recently, I discovered a method that truly activates idle assets, and I want to share my insights.

There are 3 BNB tokens sitting in my wallet, worth about $1,500. Instead of watching their value depreciate, I thought about how to make them generate income. My approach is straightforward: I want to retain the potential appreciation of BNB while extracting liquidity to earn some spread.

So I found a way. First, I stake the 3 BNB tokens on a DeFi collateral platform. Then, on a lending market, I borrow stablecoins worth $800 at an annualized interest rate of 1.2%. The whole process takes just a few minutes, and it’s not as complicated as it seems—just connect the wallet, select the amount, confirm the transaction, and it’s done. The key is that the BNB remains in my account; whether the market goes up or down, it stays with me, never sold.

I didn’t leave the borrowed stablecoins idle. I transferred them across chains to a major exchange, exchanged them for USDT, and invested them into a stablecoin yield product with a 20% annualized return. Now, every day when I open my wallet, I see two streams of income running—one from the potential price increase of my BNB holdings, and the other from the lending interest spread and yield farming returns.

The beauty of this strategy is that you don’t give up on your main assets and their potential gains, while also extracting liquidity for value-added activities. Of course, such operations require attention to risks—interest rate fluctuations, smart contract risks, and so on. But compared to blindly holding coins or going all-in on a single project, this layered allocation and compounded returns can really help you unlock the value of your idle assets.