Are your crypto assets just lying around, or are they appreciating?

More and more people are discovering a third way: not just buying and holding, nor frequent trading, but actively making assets come alive within lending protocols. The emergence of low-interest borrowing has completely changed the game for holders.

**From Passive Holding to Active Management**

There was no choice before. Holding meant just holding—either waiting for appreciation or holding onto it passively. Now? Collateralize assets, earn stable yields, and then use borrowed funds for strategic combinations—this approach allows ordinary people to play with style. Cryptocurrency is evolving from a purely speculative asset into a genuinely income-generating asset class.

**What does this mean**

First, the efficiency of idle funds skyrockets. Crypto assets sitting in wallets worldwide will be activated. Second, high yields are no longer exclusive to institutions. Anyone can participate in on-chain finance through lending tools and earn returns. Finally, this will spawn more derivative strategies—portfolio combinations, risk hedging, yield optimization… The imagination space of DeFi has just begun to open.

**Implications for investors**

If you're still just holding coins passively, you might be out of date. Learn to use DeFi tools to upgrade from passive holding to active management. This is not only about increasing returns but also about maturing your mindset. True financial freedom is making your money work for you—everyone can become their own asset manager through decentralized finance.