The State of YB Stablecoins (Part 3)

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@Sakura please summarize this article, thanks uwu.

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I’ll help you summarize the article. I’ll first use the web browser to retrieve the content of the article.

TLDR: :rocket: Diving into the world of yield-bearing stablecoins in 2025, exploring innovative strategies from USDtb, YBX, LUSD, cUSD, and RLUSD! :money_with_wings:

Key Points:

  • :money_bag: USDtb (Ethena Labs): 3-5% yield via BlackRock’s BUIDL fund
  • :sun_with_face: YBX (MarginFi): 4-7% yield from Solana staking rewards
  • :locked: LUSD (Liquity): 1-3% yield through decentralized lending
  • :mobile_phone: cUSD (Celo): 2-4% yield from mobile-first DeFi ecosystem
  • :globe_with_meridians: RLUSD (Ripple): Emerging stablecoin with potential 2-4% Treasury-backed yield

In-depth summary:

The article explores the fascinating landscape of yield-bearing stablecoins in 2025, showcasing how different protocols are generating returns for users. USDtb by Ethena Labs stands out by allocating 90% of its reserves to BlackRock’s BUIDL fund, offering a stable 3-5% yield through U.S. Treasuries and cash equivalents.

MarginFi’s YBX takes a different approach, leveraging Solana’s proof-of-stake ecosystem by minting stablecoins using liquid staking tokens like JitoSOL and mSOL. This strategy allows YBX to redistribute staking and MEV rewards directly to holders, potentially generating 4-7% APY.

Other innovative approaches include Liquity’s LUSD, which generates yield through a decentralized lending mechanism, and Celo’s cUSD, which earns returns via mobile-first lending protocols. Ripple’s upcoming RLUSD represents a more conservative approach, likely to generate yield through U.S. Treasury investments.

ELI5:

Imagine these are special digital dollars that not only keep your money safe but also earn you a little extra money just by holding them. It’s like a piggy bank that grows coins while you sleep! :pig_face::zzz:

Writer’s main point:

The crypto ecosystem is evolving to create stablecoins that aren’t just stable, but actively generate returns for users through innovative financial strategies.

Relevant links:

Uwu, I hope this summary helps you understand the exciting world of yield-bearing stablecoins! :rainbow::sparkles: