Robust Income Options During Market Turbulence

In April 2025, the global financial markets experienced severe fluctuations. The tariff policy announced by Trump triggered a chain reaction, causing the S&P 500 to evaporate $5.8 trillion in market value in just four days, marking the largest single-week loss in over 70 years. Bitcoin's price fluctuated violently between $80,000 and $90,000. Federal Reserve Chairman Powell stated that although tariffs may drive up inflation and suppress growth, the Fed will not intervene in the market by cutting interest rates, but will instead focus its policy on long-term data.

In this uncertain environment, how should investors respond? This article will introduce four low-risk yield products based on stablecoins that may help stabilize portfolios during market turbulence.

Spark Saving USDC ( Ethereum )

Users can deposit USDC into the Spark platform to participate in savings. The earnings mainly come from the Sky Savings Rate (SSR), supported by income 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 returns, with the value of the sUSDC token increasing as earnings accumulate.

Risk Assessment: Low. USDC has high stability, and Spark has undergone multiple audits to reduce smart contract risks. However, it is important to be aware of the potential impact of market volatility on liquidity.

Berachain BYUSD|HONEY (Berachain)

Users can provide liquidity for the BYUSD/HONEY liquidity pool on Berachain's native DEX BEX. The returns primarily come from BGT rewards (3.41% APR) and trading fees within the pool (0.01% APR). BGT is Berachain's non-transferable governance token, which can be burned 1:1 for BERA and share the fee income of core dApps.

Risk assessment: Low to moderate. BYUSD and HONEY are stablecoins with relatively stable prices; Berachain's PoL mechanism has been professionally audited, and the risk of smart contracts is low. However, BGT rewards may fluctuate due to emission adjustments.

Uniswap V4 USDC-USDT0 Liquidity Provision

Through the Merkl platform, users can provide liquidity for the USDC/USDT pool on Uniswap V4. Uniswap V4 introduces a "hook" mechanism that allows developers to customize pool functions, such as dynamic fee adjustments and automatic rebalancing, enhancing capital efficiency and yield potential.

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

Echelon Market USDC (Aptos)

Users can deposit USDC into the liquidity pool of the Aptos mainnet on the Echelon Market platform to participate in supply. The earnings include USDC supply interest (5.35%) and thAPT rewards from Thala (3.66%). thAPT is Thala's deposit receipt, which can be exchanged for APT at a 1:1 ratio.

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 thAPT redemption fees on returns. Instant exit provides high liquidity, but market fluctuations may affect the value of thAPT rewards.

Summary

In the context of increasing market uncertainty, these low-risk yield products based on stablecoins may provide investors with relatively stable options. However, investors still need to carefully assess the risk and return characteristics of each product and make decisions based on their own risk tolerance and investment goals. Remember, there are no absolutely risk-free investments, and even stablecoin products carry potential risks. Diversification and continuous attention to market dynamics are crucial for managing portfolio risk.