The core of wealth management is not pursuing the highest returns, but rather "tailoring to individual needs"—choosing the most suitable strategy combination based on one's own capital size and risk appetite to achieve "controllable risk and appropriate returns." In 2026, the crypto market exhibited characteristics of "institutionalization, compliance, and stratification." ListaDAO's USD1 wealth management system precisely covers low, medium, and high risk levels, adapting to the needs of all scenarios from small amounts of cash to large sums of capital, helping investors of different capital sizes accurately match the optimal solution. For small amounts of capital (<100,000 USDT), the core requirements are "high interest + flexibility." The recommended combination is "PSM module + smart lending arbitrage." The PSM module offers high interest rates of 7%-12%, meeting short-term return needs, and supports fast deposits and withdrawals without affecting daily cash flow; smart lending borrows USD1 at a low interest rate of 0.03%, with the collateral automatically entering the DEX as a limited partner (LP) to earn transaction fees, resulting in a net return of approximately 0.07%, further amplifying returns. This combination is simple to operate, with multiple audits confirming low risk, perfectly suited to the "spare-money investment" needs of ordinary investors. It allows for "passive income" without disrupting daily cash flow, and thanks to the low gas fees of the BNB chain, the operating costs for small amounts are negligible. For medium-sized funds (100,000-1,000,000 USDT), a balance between returns and risks is needed. We recommend the "slisBNB revolving loan with 2x leverage + PT-USDe revolving arbitrage" combination, yielding an annualized return of approximately 14%-19%. The slisBNB revolving loan leverages the BNB ecosystem, ensuring controllable risk through same-currency revolving transactions, significantly amplifying returns with leverage, and the optimistic outlook for BNB's benchmark price in 2026. PT-USDe arbitrage enhances returns through a triple effect of price differences, interest rate differentials, and external high-interest rates, avoiding high-volatility assets throughout, resulting in a moderate risk level. ListaDAO's $1.38 billion LTV and the robust DEX ecosystem of the BNB chain provide ample operational space and liquidity for this combination, preventing profit losses due to insufficient liquidity during arbitrage. For large sums of money (>1 million USDT), safety and stability are paramount. We recommend a "RWA low-risk fixed income + fixed-term loan" combination, offering an annualized return of 3.65%-5.86%. The RWA strategy is anchored to low-risk off-chain assets (short-term US Treasury bonds, high-rated bonds), forming a double guarantee with the USD1 stablecoin's reserve structure, eliminating liquidation risk and making it suitable for long-term capital holding. The fixed-term loan locks in the interest rate, avoiding the impact of market fluctuations. Together, they form a robust combination of "low-risk assets + fixed-cost liabilities." Given the continued institutional investment in the RWA sector in 2026, this "stability-first" allocation is the core choice for large sums of money to weather market ups and downs and achieve long-term wealth preservation and growth. Regardless of the size of the funds, risk control is always the top priority. Low-risk strategies focus on redemption cycles and amounts, medium-risk strategies monitor LTV and liquidation thresholds, and high-risk strategies assess Curator capabilities. Choosing the right strategy combination is crucial for achieving steady wealth growth in the 2026 crypto market. #Best USD1 Investment Strategy ListaDAO $LISTA @lista_dao