How to Preserve and Increase Value During Market Turbulence? Explore Four Low-Risk Stablecoin Yield Strategies

In April 2025, the global financial market experienced severe fluctuations due to tariff policies and the stance of the Federal Reserve. The "reciprocal tariff" policy announced by Trump triggered a chain reaction, leading to a significant shrinkage in the market value of the S&P 500 in a short period, and the price of Bitcoin also experienced major fluctuations. Federal Reserve Chairman Powell stated that although tariffs may push up inflation and suppress growth, the Federal Reserve will maintain policy stability, focusing on long-term data. Several investment banks have raised the probability of a recession in the U.S., and the market outlook is full of uncertainties.

In this unstable environment, how should investors respond? Low-risk yield products based on stablecoins may be a wise choice, providing relatively stable returns during market turmoil. This article will introduce four yield products based on stablecoins for investors' reference.

It should be noted that the following content is for reference only and does not constitute investment advice. Investors should conduct thorough research and risk assessment before making any investment decisions.

1. Spark Saving USDC ( Ethereum )

Connect your wallet through the Spark official website, select the Savings USDC product, and deposit USDC to participate.

Source of income: Mainly from the Sky Savings Rate (SSR), which is supported by revenue generated from cryptocurrency collateral loan fees, U.S. Treasury investments, and providing liquidity to other platforms. USDC is exchanged for USDS at a 1:1 ratio through the Sky PSM and deposited into the SSR vault to earn income, while the value of the sUSDC token grows with accumulated earnings.

Risk Assessment: Overall risk is relatively low. USDC, as a mainstream stablecoin, has high stability. The Spark platform has undergone multiple audits, reducing the risk of smart contracts. However, investors still need to pay attention to the potential impact of market volatility on liquidity.

2. Berachain BYUSD|HONEY (Berachain)

Access BeraHub through the Berachain official website, connect a compatible wallet, then select the BYUSD/HONEY pool on the Pools page and deposit the corresponding assets to provide liquidity. The obtained LP tokens can be staked in the rewards vault to earn BGT.

Source of income: Mainly includes BGT rewards (approximately 3.41% APR) and transaction fee sharing within the pool (approximately 0.01% APR). BGT is Berachain's non-transferable governance token, which can be burned 1:1 for BERA and share the fee income from multiple core applications.

Risk assessment: Low to moderate. BYUSD and HONEY are both stablecoins with relatively low price fluctuation risk. Berachain's consensus mechanism has undergone professional auditing, resulting in lower smart contract risk. However, BGT rewards may fluctuate due to validator allocation and governance decisions.

3. Uniswap V4 USDC-USDT0 Liquidity Provision (Uniswap V4)

Connect your wallet through the Merkle official website and deposit USDC or USDT into the "Provide Liquidity to Uniswap V4 USDC-USDT0" product to provide liquidity for Uniswap V4.

Source of income: Mainly from UNI token incentives.

Risk assessment: Low to moderate. USDC/USDT as a mainstream stablecoin pair has relatively low price volatility risk. However, investors should be aware of smart contract risks and the possibility of declining returns after the incentive period ends.

4. Echelon Market USDC (Aptos)

Visit the Echelon Market official website, connect an Aptos compatible wallet, and select the USDC pool for deposit on the Markets page.

Source of income: includes USDC supply interest (approximately 5.35%) and Thala's thAPT rewards (approximately 3.66%). thAPT is Thala's deposit certificate, which can be exchanged for APT at a 1:1 ratio, with a redemption fee of 0.15%.

Risk assessment: Low to moderate. USDC has high stability, but attention should be paid to the smart contract risks in the Aptos ecosystem and the impact of thAPT redemption fees on returns. The instant exit mechanism provides high liquidity, but market fluctuations may affect the value of thAPT rewards.

Summary

The following table is arranged from high to low based on total locked value (TVL) for reference only:

| Product | Chain | TVL | APY | Risk Rating | |------|-----|-----|-----|----------| | Spark Saving USDC | Ethereum | $473.5M | 4.96% | Low | | Berachain BYUSD|HONEY | Berachain | $220.5M | 3.42% | Low to Medium | | Uniswap V4 USDC-USDT0 | Ethereum | $38.5M | 5.57% | Low to Medium | | Echelon Market USDC | Aptos | $8.4M | 9.01% | Low to Medium |

In the current market environment, these low-risk stablecoin yield products may provide investors with a relatively safe haven. However, investors still need to cautiously assess their own risk tolerance and closely monitor market changes to make informed investment decisions.