DeFi wealth management sounds enticing, but safety is often secondary. Today I want to discuss a counterexample — it incorporates risk management directly into the product design itself.

Over $4 billion in funds have been accumulated, and this number is not driven by marketing but by users' long-term trust. How is this achieved? First, by choosing top-tier collateral assets; second, by implementing risk parameters that are strict to the point of conservatism; and third, by using protocol code that has been tested by the market. Simply put, each layer avoids gambling.

Have you considered a detail — when you collateralize assets, they are not held in an account of a certain institution but are locked in a smart contract. The rules are written in code, and no one, including the protocol operators, can change them. This is true "rule of law" in practice.

There's also a clever aspect: extremely low borrowing interest rates actually enhance system security. Why? Because users face less liquidation pressure, allowing positions to survive longer amid volatility, which reduces the fragility of the entire system. This is not charity; it’s a smart economic model design.

Ecological choices are also important. Rooted in high-performance mainstream public chains, they can directly inherit the underlying stability while gaining ecological support, rather than being isolated in a small ecosystem with self-circulation.

How to iterate functions? Audits come first, and security assessments must be passed. The cost of any new feature is approached with caution rather than recklessness.

What's more interesting is the community atmosphere — everyone actively discusses risk parameters and jointly maintains ecological health. This consensus is more valuable than anything else.

Finally, a common but truly valid point: in this field, surviving longer is more difficult and more valuable than running fast.