How can ordinary people incorporate USDD into their asset allocation?

Many newcomers ask me: "I'm not a DeFi expert, nor do I engage in large-scale cross-border settlements. What does a decentralized stablecoin like @USDD - Decentralized USD have to do with me?" In fact, as long as you have used exchanges, bought spot assets, or survived a round of market crashes, you are already thinking in terms of stablecoins.

In personal asset allocation, over-collateralized stablecoins like USDD can do three very practical things: First, serve as a "buffer layer for volatile assets." When you lock in profits from BTC, ETH, or altcoins, or have to cut losses, you can temporarily park your funds in USDD to lock in the dollar value and wait for the next opportunity; Second, act as a "lightweight DeFi entry tool." You can use a small amount of USDD to experience lending, liquidity pools, yield aggregation, and other activities without exposing yourself to significant price volatility while gradually familiarizing yourself with protocol logic; Third, serve as a "multi-chain transfer tool." When moving funds between different public chains, stablecoins like USDD that are deployed across multiple chains can save you some time and transaction fees.

For most people, the core of asset allocation is not to chase after a single windfall but to try to "stay alive" through each cycle. By adding some decentralized, over-collateralized stablecoin options like USDD to your portfolio, you are essentially adding another layer of firewall for yourself. How much do volatile assets and stable assets each account for in your current holdings? #USDD以稳见信