Since last year, Azu has developed a particularly annoying habit: as soon as the market fluctuates, he subconsciously clicks to check his accounts—there are hundreds of USDT lying in one exchange, a little U that hasn’t been withdrawn in another exchange, some stablecoins and fragmentary ETH stuffed in a cold wallet, and a few thousand dollars ready for future use in his bank account. Each screen looks okay on its own, and combined it doesn’t seem like a small amount, but the moment he really wants to calculate his dollar position seriously, he discovers something quite unpleasant: all this money is isolated, and there isn’t a single chart that can unify them, let alone plan according to purpose, risk, and time dimensions.
This fragmented state is somewhat akin to having accumulated quite a few bricks without ever considering building them into a storm-resistant wall. Most people look at assets in a way that is just 'How much money is in this exchange?' or 'How much is left on this card?' at most adding a screenshot of the 'total wallet value.' The problem is that just looking at balances will never reveal the structure: which part is likely to be used within a month, which part can't be touched for six months, and which part you consider a 'long-term position that will always be valued in dollars.' Over time, you're not managing assets; you're being led emotionally by the interfaces of different apps.
In this mindset, Azu began to seriously contemplate one thing: whether it is possible to stop revolving around 'how many U are left' and instead build a 'personal dollar system' of his own. Simply put, it means first choosing a base that can support 'long-term dollar mentality' and using it as a reference for asset management, while other accounts retreat to the roles of 'imports and exports' and 'caching.' For me, USDf and sUSDf in Falcon naturally became candidates suitable for this base: on one hand, they were designed around over-collateralization and synthetic dollars, and on the other hand, the transparency of the panel, collateral structure, and sources of income make this 'underlying table' visible and disassemblable, rather than relying solely on intuition.
In this framework, USDf is more like my 'base dollar balance' on-chain, responsible for pricing, settlement, and liquidity; sUSDf is the part I'm willing to allocate time to, used to meet the demand of 'long-term dollar valuation but not wanting to leave idle.' Together, they form a constantly updated 'dollar asset-liability table' for me: on the left is all the collateral and historical paths I have put in, and on the right is the USDf/sUSDf I hold and the expenditure rhythm in the real world. As long as this table exists, all other accounts and protocols are just extensions of this table, and no longer small black boxes each speaking their own language.
To make this matter truly concrete, Azu established a very clear division of labor for himself. The role of CEX has been completely simplified to 'getting in/out and temporary storage,' which includes buying coins, fiat currency deposits and withdrawals, and extremely short-term opportunity storage; Falcon has been fixed as 'dollar earning and collateral layer,' where all the funds I want to value in dollars long-term and accept the risk boundaries of this mechanism will be organized into a USDf/sUSDf structure; other on-chain protocols—whether lending, derivatives, or DeFi toys—are defaulted to only access the USDf 'distributed' from Falcon, serving as tools at the application layer, rather than being able to draw on my entire capital at any time. This way, who is working, who is paying wages, and who is keeping accounts becomes crystal clear.
The changes brought about by this division of labor are very intuitive. Previously, when I looked at assets, I viewed them by platform: how much A exchange had, how much B exchange had, how much the wallet had, how much the bank had; now I first look at 'What does my Falcon table look like?': what percentage is USDf, what percentage is sUSDf, what is the underlying collateral structure, and then reverse engineer how much balance each import and export serving this table has. You will find that once you have a clear dollar base, the numbers for individual accounts are not that scary anymore—they are merely different ports of this system, rather than isolated piles of numbers.
Of course, no matter how smoothly it's said, when facing reality, Azu is still quite restrained about one point: I never encourage nor would I myself do 'full asset migration.' Any new underlying tool should start from the portion of funds that I originally intended to use long-term in dollars, rather than pushing all living expenses, emergency funds, and short-term money into gambling. My approach is very simple: first, outline three areas on paper (or in a table)—money that will be used within a month, money that might be needed within three months, and the portion I believe can be allocated in dollars long-term. Only the third portion qualifies to become a candidate for Falcon, and then a small slice is taken out for the first trial run, with the ratio adjusted gradually based on experiences and transparent data.
After you operate this way for a few months, a rule-level shift will quietly occur in your approach to the question of 'looking at assets.' Previously, you were accustomed to asking, 'How much money is left in this exchange?' or 'Is it time to increase my holdings in this wallet?'; now, your more natural questions will change to: 'In this table centered around USDf/sUSDf, how much do I have that is completely idle, how much is already taking on a stable income role, and how much is engaged in high volatility strategies outside?' The former is driven by the UI of different apps, while the latter is when you truly begin to use a unified standard to examine your dollar system.
For ordinary users, the impact of this mental upgrade is actually greater than it appears. When you start making decisions based on a table rather than a pile of screenshots, it's easier to make structured adjustments: for example, 'I want to pull back some USDT that was previously sitting in CEX and turn it into USDf as medium-term backup funds,' or 'There have been too many high volatility strategies recently; I want to withdraw a bit from DeFi to supplement the safety cushion of this table.' You no longer just ask, 'How many U do I have?' but rather, 'What are these U doing in my system? Are their tasks reasonable?'
So, if you are here and want to turn this matter into action, Azu suggests you take ten minutes today to do a seemingly simple task that most people have never done: draw your own 'dollar asset distribution map.' There is no need to pursue perfection; just be realistic—how many exchanges, how many wallets, how many bank cards, and roughly how much each has, with notes beside indicating 'purpose' and 'earliest possible time to use.' Then, circle on this map: which part you sincerely hope to view with a dollar mentality over the next few years, and that part is the candidate area for future gradual migration to Falcon for unified management. The first migration, even if only moving 10% or 20% of it, as long as it can make the entire process from 'input to output' run smoothly, you have already taken the first step towards building a 'personal dollar system.'
When the day comes that you are no longer switching between five apps to check balances but instead viewing your dollar world from a Falcon asset table, you will understand that what this system truly brings you is not just returns, but also that long-lost sense of stability in decision-making.
