A few days ago, a friend who has been in the cryptocurrency space for three years asked me:
"If you have 1 million USDT saved, would you throw it all into USDT to earn interest and just relax?"
I shook my head immediately—large sums of money have never survived on interest alone.
The truth is: many people make money slowly, not because of bad luck, but because their money is not working at all. You think you are waiting for the right opportunity, but in reality, your funds are not ready to 'seize opportunities' at all.
Take last month for example; my friend had 1 million in idle cash earning 8% annualized, and by the end of the year, he only got a little over 80,000. He himself thought it was absurdly slow. I asked him to send me a screenshot of his holdings, and it was clear right away—fully invested and stagnant, no rhythm, it’s surprising he could make any money at all.
Later, I talked to him about the 'three-tier capital model' commonly used by big investors, which breaks down like this:
First Tier: 20% Stable Base
This part is not meant for getting rich, but for stabilizing your mindset.
Investing in wealth management, mining, locking in nodes, platform activity subsidies… just putting a little in here and there, the key is to avoid panicking because you are fully invested, and also not to get overly excited by missed opportunities. Staying stable allows you to last longer.
Second Tier: 50% Arbitrage Main Force
This is where the bulk of the profits come from. No chasing trends, no all-in betting, just focusing on certain trading ranges.
Like when ETH dropped from 3435 to 3160 recently; the price levels were clear, risks were controllable, and using half of his holdings to ride it down, he could safely secure profits. At the end of the year, just relying on this tier would be enough to fill his stomach.
Third Tier: 30% Opportunity Ammo
Always leave yourself some bullets.
Real market movements, black swan events, new coin fluctuations often come unexpectedly. Last time a certain new coin's support crashed, I immediately shorted it and captured the cleanest profit. Opportunities will only be left for those who have money in hand.
The logic of this model is very simple:
20% to stabilize mindset, 50% for steady output, 30% to seize explosive opportunities. Money is moving, rhythm is there, and when opportunities come, you can catch them, which is naturally faster than just living off interest.
In short: It’s not that the market lacks opportunities; it’s that your money isn’t designed to be in a state where it can 'seize opportunities'.
If you also want your USDT to really work for you, first clarify your capital structure before discussing anything else. $ETH #代币化热潮
