That market crash taught me a profound lesson— in the crypto world, risk management is often more important than chasing returns. Watching my flagship tokens halve in value within half an hour and my account evaporate, that feeling was enough to change my investment philosophy.

Since then, I have systematically studied stablecoins and ultimately switched a large portion of my assets to USDD. Why?

**The Threshold of Stablecoins**

There are many stablecoins on the market, but few stand up to scrutiny. Some rely on commercial paper, some are tied to bank accounts; they sound secure but actually transfer all risk to the user. USDD’s design logic is different—it adopts a 1:1 over-collateralization mechanism, using mainstream crypto assets like Bitcoin and TRX as full backing, with all collateral assets on-chain transparent and traceable.

What does this mean? Its stability does not depend on any institutional credit; it is fully supported by tangible crypto assets. In an era where traditional stablecoins frequently face regulatory scrutiny, this "trustless" approach becomes the most reliable safeguard.

**My Allocation Strategy**

Holding stablecoins is not the end goal but a key to opening another door. I divide it into two parts:

First: Defense. Allocate about 30% of assets to USDD as a long-term safety cushion. This part does not seek high returns; ensuring the safety of the principal is enough.

Second: Growth. Invest USDD into lending protocols within the Tron ecosystem, maintaining asset liquidity while earning stable lending yields. This way, I don’t miss market opportunities and also have enough room to adjust.

In simple terms, using stablecoins as a buffer gives me the confidence to face various market changes.