That early morning, I watched as the market plummeted, the so-called 'King of All Chains' star token was cut in half within half an hour, and my account instantly evaporated six figures. The feeling of a cardiac arrest is still fresh in my memory. It was on that day that I converted all my remaining bullets into USDD. My friend said I was crazy to heavily invest in stablecoins during a bull market. I didn’t explain, just closed the trading software and finally had my first peaceful sleep in half a year.
1. Why USDD?
After experiencing that liquidation, I began to rethink the survival rules of the crypto world. After studying more than a dozen stablecoins, I chose USDD for a simple reason: it doesn't play tricks.
The core logic of USDD is clear to the extreme—1:1 over-collateralization. It does not rely on commercial paper or bank accounts like some stablecoins, but instead uses mainstream crypto assets like Bitcoin and TRX for full collateralization, with all collateral assets verifiable on-chain, as transparent as glass.
What does this mean? It means its value peg does not rely on the credit of any institution, but solely on the tangible collateral of crypto assets. In today's environment where Tether frequently faces regulatory scrutiny and banks are collapsing one after another, this kind of 'distrust' design has ironically become the greatest source of security.
Two, my practical strategy with USDD
Holding USDD is not the end, but the starting point. My operation is very simple:
Step One: As a safety cushion
Allocate 30% of assets to USDD for the long term
Not seeking high returns, only pursuing absolute safety of principal
Step Two: Stable income generation
Deposit USDD into lending protocols within the Tron ecosystem
Obtain an annual yield of 5%-8%
This return is particularly precious during a bear market
Step Three: Opportunity Capture
When the market experiences extreme conditions
Use USDD as 'ammunition' to buy high-quality assets at the bottom
Convert back to USDD after the rebound to lock in profits
This strategy not only preserved my principal during the recent volatile market but also provided a stable cash flow.
Three, why am I now more determined to hold USDD?
There are three realities in the current market:
1. High interest rate environment continues
The Federal Reserve maintains high interest rates, making traditional financial market yields attractive, while the crypto market requires a higher risk premium. In the context of increased uncertainty, holding stable-yielding USDD is a rational choice.
2. Increased regulatory pressure
Global regulations on stablecoins are tightening, and centralized stablecoins face more challenges. The decentralized nature of USDD becomes an advantage.
3. A genuine bull market takes time
History tells us that a true bull market requires a long bottoming process. During this process, protecting the principal is more important than anything else.
Four, a message to those who are still hesitant
You may think holding stablecoins now is 'too cowardly', but I want to say:
Investing is not about who makes the most in a bull market, but who survives the longest in a bear market. USDD gives me not just a 1:1 dollar peg, but more importantly, a calm mindset.
I no longer need to watch the market all the time, no longer worry about waking up to find my assets halved, no longer let market sentiment dictate my judgment. This mindset allows me to act calmly when real opportunities arise.
In the crypto world, living long is the real victory. And USDD is my confidence to survive until the next bull market.
While everyone is searching for hundredfold coins, I choose to first secure my 1 dollar. Slow is fast, stability leads to victory. This is the most important lesson USDD has taught me.
