原文来自于付费 Newsletter "Defiant",这期提到的这种策略代表了 DeFi 领域未来稳定币和被动收益的一种发展方向,也是一个不错的低风险投资策略。

TL;DR

OUSD 是一种以其他稳定币质押的稳定币,其特点是将质押的稳定币用于低风险的 DeFi 协议投资,比如 Curve 的稳定币池,Aave/Compound 的稳定币质押借贷等,以产生持续的收益。持有 OUSD,可以自动获得这部分收益,也就是说,OUSD 是一种自己在”增值“的稳定币,目前大概有约 2.7% APY,且还可以通过将 OUSD 放入 Curve 的 OUSD-3CRV 池做 LP,赚取最大 12.96% APY。

给不熟悉 Curve 的同学简单解释一下, Curve 是 DeFi 领域最大的稳定币类资金池,任何加密货币,都会通过设立一个资金池的方式,来满足兑换的需求,比如我想兑换 OUSD,那么就需要通过 Curve 这个池子,用等值的 3CRV(代表了 USDT-DAI-USDC 这三种稳定币)进行兑换,这也是所谓 "去中心化“ 的兑换方式(相对于在中心化交易所直接兑换)。所以类似的 Curve 资金池是整个 DeFi 世界流动性的基础,为这些池子提供资金,也就能获得对应的利息收益,算是一种风险非常低的投资。

下面具体介绍了如何通过持有 OUSD,并存入 Curve,来赚取收益,我比较建议新手尝试一下,这个过程可以完整地体验到去中心化稳定币的获取和使用,以及 Curve 资金池的基本接触,可以了解 DeFi 的基础部分: 稳定币和资金池。

OUSD 的基本收益,是自动定期打入你的钱包的,Curve 的收益是持续计算,但需要你手动 "Claim",以及两个收益率都可能有一些变化,需要时不时关注一下。

主要的风险在于 OUSD 的脱钩,也就是其价格低于 $1,从其设计上来说不太可能,如果出现,那可能是市场对于 OUSD 的强烈不看好导致的大量抛售,但因为其永远可以1:1兑换为其他稳定币,所以你手里的 OUSD 是可以通过赎回保证价值的。当然,还有大量可能的协议和程序层面的风险,这就不赘述了。

原文链接:https://newsletter.thedefiant.io/p/defi-alpha-getting-started-with-nfts

👨‍🎓 Starter Tutorial

Earn Passive Stablecoin Yield with OUSD + Curve

Since 2020, a common issue DeFi farmers face is finding the necessary time, effort, and knowledge to continually seek out sustainable stablecoin yields. One of a few passive yield-bearing stablecoins is OUSD by Origin Dollar.

With OUSD, one can passively hold an ERC20 token that represents a stake in one of many automated stablecoin yield-earning strategies. The OUSD smart contract deploys one’s underlying capital to a diversified set of yield-earning strategies, rebalancing over time to achieve optimal yields while diversifying risk.

Even better, the earnings automatically accrue in your wallet and continuously compound vs having to claim yield and manually compound it yourself.

OUSD generates yields across major DeFi protocols and amplifies the rewards returned to OUSD holders through a number of clever ways, including exit fees being returned to the pool, rewarding long-term holders and “smart strategies” balancing risk and reward more effectively than deploying capital in any single protocol.

Today, I’ll show how I can passively earn a 2.71% trailing APY (based on the past 7 days) + another maximum APY of 12.956% APY as an LP in the OUSD 3CRV pool.

Before we get started, please be aware of these risks.

Step 1: First, if I prefer to acquire OUSD or simply hold it to earn passive yield with OUSD, I can go here to the OUSD dApp, connect my Ethereum wallet, and swap/mint OUSD 1:1 with DAI, USDC, or USDT.

Step 2: Then, whether I have OUSD or not and assuming I have at least DAI, USDC, or USDT, I need to go to the Curve factory pool for OUSD and connect my Ethereum wallet.