Robust Investment Strategies Amidst Turmoil in Global Financial Markets

In April 2025, tensions in international trade led to severe fluctuations in global financial markets. An important political figure announced the implementation of a "reciprocal tariff" policy against major trading partners, setting a baseline tariff of 10% and imposing higher rates on specific countries. This decision triggered a strong market reaction, with the S&P 500 losing $5.8 trillion in market value in just four days, marking the largest single-week loss in decades. Bitcoin's price also fluctuated dramatically between $80,000 and $90,000.

The Federal Reserve Chairman stated at the Chicago Economic Club that the new tariff policy could raise inflation and suppress economic growth, but the Federal Reserve will not intervene in the market by cutting interest rates; instead, it will focus its policy on long-term data. Several well-known investment banks have raised their expectations for the probability of a U.S. economic recession. How should investors respond in this uncertain market environment?

This article will introduce four low-risk yield products based on stablecoins, which may provide investors with relatively stable yield options during the current volatile period. It is important to emphasize that this article is for reference only and does not constitute any investment advice; investors should conduct their own thorough research and risk assessment.

1. Spark Saving USDC on Ethereum

This product allows users to deposit USDC to earn yields. The yields primarily come from the Sky Savings Rate (SSR), supported by income generated from cryptocurrency collateral loan fees, U.S. Treasury investments, and providing liquidity to certain protocols. USDC is converted 1:1 to USDS through the Sky PSM to earn yields in the SSR vault, and the value of the sUSDC token increases as yields accumulate.

Risk Assessment: Low. USDC has high stability, and this product has undergone multiple audits, reducing smart contract risks. However, investors should still be aware of the potential impact of market volatility on liquidity.

2. BYUSD|HONEY Liquidity Pool on Berachain

Users can deposit BYUSD and HONEY to provide liquidity in this product, earn LP tokens, and stake the LP tokens to earn BGT rewards. The earnings mainly come from BGT rewards (approximately 3.41% APR) and trading fees within the pool (approximately 0.01% APR). BGT is a non-transferable governance token that can be burned 1:1 for BERA and share in the fee income from certain core applications.

Risk Assessment: Low to Moderate. BYUSD and HONEY are stablecoins with relatively stable prices; the blockchain platform where this product is located has been audited by reputable institutions, and the risk of smart contracts is low. However, BGT rewards may fluctuate due to emission adjustments.

3. USDC-USDT0 Liquidity Pool Based on Certain DEX V4

Through a specific platform, users can deposit USDC or USDT into this product to provide liquidity for a certain DEX V4. This DEX V4 version introduces a "hook" mechanism, allowing developers to customize pool functionalities, such as dynamic fee adjustments and automatic rebalancing, which is expected to enhance capital efficiency and yield potential.

Source of income: mainly platform token incentives.

Risk Assessment: Low to Medium. The USDC/USDT pool is a stablecoin pair, with lower price volatility risk, but attention should be paid to smart contract risks and the potential decline in returns after the incentive period ends.

4. Echelon Market USDC Pool on the Aptos Chain

Users can deposit USDC into the Aptos mainnet liquidity pool, participate in supply, and earn returns. This product is integrated with a certain protocol, providing stablecoin and liquidity layers on Aptos.

Source of income: including USDC supply interest (approximately 5.35%) and reward tokens from a certain protocol (approximately 3.66%). These reward tokens can be exchanged for APT at a 1:1 ratio, but a fee of 0.15% is required upon redemption.

Risk assessment: Low to moderate. USDC has high stability, but attention should be paid to the smart contract risks within the Aptos ecosystem and the impact of reward token redemption fees on returns. Instant withdrawals provide high liquidity, but market fluctuations may affect the value of reward tokens.

Summary

In the context of the current market volatility, the aforementioned low-risk yield products based on stablecoins may provide investors with relatively stable options. However, investors still need to cautiously assess the risk-return characteristics of each product and make decisions based on their own risk tolerance and investment goals. At the same time, closely monitoring market dynamics and policy changes, and adjusting investment strategies in a timely manner, is also essential.