The group chat exploded with messages: 'USDT is going to decouple!' 'Trump is harvesting retail investors!' 'It's exactly like the 12% scheme with USDC back then!' I stared at the screen with a wry smile—three years ago, I fell hard into FOMO like this.

Last week, the stablecoin market staged a familiar scene: panic spread, funds fled wildly, yet some stablecoin projects showed a 'sold out' status. A few friends of mine who just entered the space called me in the middle of the night, their voices trembling: 'Bro, is my money going to zero?'

I've seen this scene too many times in the crypto space. During the LUNA crash in 2022, and the Silicon Valley Bank run in 2023, every time there's an issue with stablecoins, the pattern is shockingly similar: first, create an illusion of scarcity to attract FOMO, then once the funds pour in—either it decouples, or they just run away.

Why did I choose a completely different path?

After having lost three times, I finally realized: in the matter of stablecoins, transparency is a hundred times more important than high yields. That's why this year I transferred 80% of my stablecoin assets to the @falcon_finance ecosystem.

What allows me to sleep soundly are these facts:

First, the collateral in real currency is visible.
#FalconFinance The USDF adopts an over-collateralization model, with each USDF backed by over 130% of quality assets. The types, amounts, and values of these collaterals can be checked in real-time on-chain—unlike some algorithmic stablecoins, where you never know what maintains the peg.

Second, reject the marketing phrase of 'sold out.'
A truly decentralized stablecoin should not have the concept of 'sold out.' In the Falcon ecosystem, as long as you provide sufficient collateral, you can mint USDF at any time. This design fundamentally eliminates the space for artificially creating scarcity.

Third, the win-win ecosystem built by the $FF token.
What I admire most is $FF the economic model. Holding $FF is not just for governance voting, but also for:

  • Increase capital efficiency: staking $FF can lower the collateral ratio for minting USDF.

  • Achieve real yields: holding $FF can enhance the APY of USDF staking.

  • Unlock new features early: like the upcoming delta-neutral vault, $FF holders have priority access.

From panic to calm: my asset allocation transformation

Last year at this time, I was jumping between various stablecoin projects, chasing those few points of yield difference. Now my strategy is much simpler:

  1. Core position (70%): Mint USDF and stake it at @falcon_finance to obtain stable returns.

  2. Growth position (20%): Hold $FF and participate in ecological governance, sharing in the protocol's growth dividends.

  3. Flexible position (10%): Reserved for market opportunity funds.

This allocation not only kept me from losing money during the recent market fluctuations but also earned me more trust due to USDF's stable performance. Several friends who followed my allocation said, 'Finally, I don’t have to stare at the market every day worrying about a depeg.'

Practical advice for beginners

If you are also tired of the various tricks in the stablecoin market, remember these points:

Beware of any 'sold out' stablecoins—truly healthy stablecoins should be like tap water, available whenever needed.

Check collateral transparency—if a project is unwilling to publicly disclose real-time reserve data, it likely has problems.

Focus on the actual utility of tokens—tokens like $FF that can directly increase capital efficiency have more long-term value than those with only governance functions.

Last night, a friend asked me again: 'Which stablecoin has the highest yield now?' I countered him: 'Do you want a 20% yield but risk losing your principal, or do you prefer an 8% yield that lets you sleep soundly?'

He paused for a few seconds and then quietly opened the Falcon Finance official website.

The market will always have new 'sold out' stories and new 'Trump-like schemes.' But three years of experience tells me: in the world of cryptocurrency, living long is far more important than earning quickly.

#FalconFinance #FalconFinance It can give you every peaceful night of sleep. Time will prove that, in the long crypto bull and bear markets, stability is the greatest alpha.

Now, when someone in the group spreads panic again, I can only reply lightly: 'My USDF is very safe in Falcon, do you want to see what true over-collateralization looks like?'

@Falcon Finance #FalconFinance $FF