2026-01-15 10:20:46

Recently, many people have started selling $USD1 because $U is newly listed. They run at the first sign of a discount, which is quite a pity. Let's do a simple calculation to understand.

Here's the scenario: a 20% annualized return financial product, one-month cycle, purchase price 0.9997, current price 0.9996, maturing on January 24th. How to calculate? The monthly return is approximately 1.6%, which is enough to cover the less than 0.1% discount and still have a surplus.

The real risk threshold to watch out for is around 0.984—meaning, as long as the stablecoin doesn't significantly de-peg, the position remains profitable. Currently, there are no bad news indicating any de-peg for USD1.

The most prudent approach is to hold until maturity or act only the day before. If an exchange can offer a second cycle of 20% financial products, it would be a perfect fit.

USD1-0.05%

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MoonBoi42

· 10h ago

I have to say, these people who panic and run at the first sign of a discount are really wasting their time. A 1.6% monthly return can't even cover a 0.1% discount? Can't even do basic math, haha.

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DegenTherapist

· 23h ago

Oh no, someone was scared away by the discount again. I really can't hold it anymore. Isn't a 1.6% monthly return attractive? Yet people still chase that 0.U, greed is never satisfied, like a snake swallowing an elephant. As long as you don't de-anchor to 0.984, just sit back and count your money. Why do some people turn around and run away?

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MysteryBoxOpener

· 23h ago

Are all the discounts running away? What's this guy so anxious about? Can't even grasp a 1.6% monthly yield?

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BlockchainBard

· 23h ago

Oops, that's an overreaction, seriously. Running away just because of a 0.1% loss, and then you still have to pay slippage fees on top of it. That's a losing proposition.

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SmartContractRebel

· 23h ago

A 20% annualized return is really tempting, but many people panic when they see the discount. Actually, there's no need to worry at all. That said, a 1.6% monthly return can indeed cover this discount; mathematically, there's no problem. Acting only on the day before maturity is brilliant, but I'm just worried that some people might not see through this logic and get scared away. Wait, how is this 0.984 risk threshold calculated? Has anyone done the math? Perfectly connecting to the second cycle? If it can really be linked up, it would be a huge profit, but it depends on whether the exchange cooperates. It's really a test of patience; most people just can't hold their nerve. Honestly, since there's no news of de-pegging yet, I think holding onto it is fine. I'm quite impressed with those who can hold steady—much better than chasing after hot trends.

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FOMOSapien

· 23h ago

Don't rush to sell off, a 1.6% monthly yield is enough to fill the pit. Just wait until maturity to collect the returns. Simple logic.

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BridgeJumper

· 23h ago

Looking at the data, such a small discount is not enough to be afraid of; the monthly interest has been recovered. However, some people were indeed scared away, which is a pity.

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