
EnHeng嗯哼|Jul 07, 2025 08:11
The Bitcoin ecosystem is undergoing transformation, and I think Lorenzo has been very successful in this transformation. Currently, it is positioned as an institutional level on chain asset management platform, which I think is quite good
@Lorenzo Protocol recently launched a new product called USD1+OTF, which is essentially an on chain wealth management package. You deposit USDC/USDT/USD1 into it, and it will automatically configure three sources of income for you. Finally, all income will be settled in USD1
It sounds a bit like you hand over money to an on chain asset manager, who helps you buy US bonds, run quantitative strategies, and participate in DeFi mining. You don't have to worry about anything, just watch the returns rise
What are these three types of benefits?
one ️⃣ RWA income: tokenized US bond income, mainly based on tokenized US bonds as collateral, improves fund efficiency, is safe and stable, with a low annualized yield but wins in stability
two ️⃣ Quantitative strategy: such as basis arbitrage and neutral trading on centralized exchanges, not betting on price fluctuations, relying on market volatility to eat spreads
three ️⃣ DeFi benefits: such as on chain operations such as lending platforms, mining, liquidity pool rewards, etc
These three methods combined resulted in an average annualized rate of around 30% last year. You don't have to worry about what it actually bought, the system automatically configures and dynamically adjusts the warehouse
What is USD1+?
The money you invest will be exchanged for a token called sUSD1+. This token is in NAV mode, which means that the number of tokens you hold will not change, but its value will gradually increase, and the increase is the profit you earn
This design is actually similar to Lido's wstETH, suitable for use as collateral, lending, portfolio assets, and more in DeFi, unlike the interest coins that keep increasing, which are more stable and user-friendly
USD1 is a stablecoin launched by WLFI, and now USD1+OTF is the first wealth management product that only uses USD1 to settle income, which means that this product directly provides real usage scenarios for USD1
From the perspective of the entire WLFI ecosystem, there are memes, games, DEX, and communities now, but there is still a gap that needs to be filled by putting in the money that can generate money. USD1+OTF just fills this gap
USD1 is your bullet, while USD1+OTF is the bank where you save money and earn interest
The three form a closed loop: you make money using the WLFI ecosystem, manage your finances with USD1, and stabilize your assets
USD1+OTF is an on chain fund wealth management product. When you deposit USDC/USDT/USD1, it helps you run RWA+quantification+DeFi, and the final income is automatically settled into USD1. For those who don't want to tinker and want some returns on their assets, this product is very suitable for you to get on the car early on, bank
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