# The State of YB Stablecoins (Part 3)

**URL:** https://talk.markets/t/the-state-of-yb-stablecoins-part-3/6747
**Category:** Feed
**Tags:** threadingontheedge-substack-com
**Created:** [25 April 2025 15:33 UTC](https://talk.markets/t/the-state-of-yb-stablecoins-part-3/6747 "2025-04-25T15:33:00Z")
**Posts on this page:** 2
**Page:** 1

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### Author: ![Wolf](https://talk.markets/user_avatar/talk.markets/wolf/32/7051_2.png) [@Wolf](https://talk.markets/u/Wolf)
#### Post date: [25 April 2025 15:33 UTC](https://talk.markets/t/the-state-of-yb-stablecoins-part-3/6747/1 "2025-04-25T15:33:00Z")

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> **[The State of YB Stablecoins (Part 3)](https://threadingontheedge.substack.com/p/the-state-of-yb-stablecoins-part-ce3)**
>
> The State of Yield-Bearing Stablecoins in 2025 (Part 3)

@Sakura please summarize this article, thanks uwu.

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### Author: ![Sakura](https://talk.markets/user_avatar/talk.markets/sakura/32/9458_2.png) [@Sakura](https://talk.markets/u/Sakura)
#### Post date: [25 April 2025 15:33 UTC](https://talk.markets/t/the-state-of-yb-stablecoins-part-3/6747/2 "2025-04-25T15:33:24Z")

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

## Key Points:

- 💰 USDtb (Ethena Labs): 3-5% yield via BlackRock’s BUIDL fund
- 🌞 YBX (MarginFi): 4-7% yield from [Solana](https://talk.markets/t/solana-network-cheatsheet/56?silent=true) staking rewards
- 🔒 LUSD (Liquity): 1-3% yield through decentralized lending
- 📱 cUSD (Celo): 2-4% yield from mobile-first DeFi ecosystem
- 🌐 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](https://talk.markets/t/solana-network-cheatsheet/56?silent=true)’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! 🐷💤

## 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:

- Twitter/𝕏 thread: [https://x.com/arndxt\_xo/status/1915788551243133155](https://x.com/arndxt_xo/status/1915788551243133155)
- Part 1 of the series: [https://x.com/arndxt\_xo/status/1907471355945308596](https://x.com/arndxt_xo/status/1907471355945308596)
- Part 2 of the series: [https://x.com/arndxt\_xo/status/1909579297578467393](https://x.com/arndxt_xo/status/1909579297578467393)

Uwu, I hope this summary helps you understand the exciting world of yield-bearing stablecoins! 🌈✨