![undraw_Crypto_flowers_re_dyqo 1.png](https://images.hive.blog/DQmbX51YhoreHRCQa9ay7h1DrYjcUn6A2ENey9GW95DVt2C/undraw_Crypto_flowers_re_dyqo%20(1).png)

The importance of stable coins is increasing year by year, as they partially solve the problem of crypto price volatility. Recently, algorithmic coins have been added to stable coins supported by dollar-based assets such as USDT, USDC, and BUSD. Thus, the crypto market has also become attractive to investors who like to invest in fixed-income assets. It is possible to earn returns ranging from 3% to 20% by investing in stable coins. In certain special cases, stable coin returns can even go up to 50%.

Although stable coins minimize the risk of depreciation, they can lose their value in financial extreme situations. There are also risks arising from the applications used. Therefore, it seems more appropriate to make these investments within a portfolio.

Let's say we have a $5,000 cryptocurrency portfolio. We can divide this money into 5 parts and direct it to different stable coin investment alternatives.

## **HDB Investment on Hive Blockchain: 20% APR**

Currently, up to ten percent of the total value of the Hive blockchain, HBD price is guaranteed. Since current usage is less than a quarter of that level, HBD holders can get a $1 Hive if HBD drops in value. A fund has also been created that helps the HDB value approaching $1.

![image.png](https://images.hive.blog/DQmVH97qgBmcqHtAsSR34LwRgQYWcf7nDm8L7Pe3JfvjBdS/image.png)

The most important advantage of HBD is that the return is generated directly on the native blockchain. We can achieve a fixed return of 20% without using any application or Layer 2 blockchain. The disadvantage of HBD compared to other alternatives is that its price fluctuates in a wider range. On the other hand, it is possible to buy HBD at a level like 0.97 by following the prices closely for a few days. If the same follow-up is made during the sales phase, the annual return can be increased even above 20%.

## **UST Investment on Terra: 19.5% APR**

Terra is a blockchain whose specialty is generating algorithmic stable coins. Terra's best-known coin, UST, is valued at $1 and is backed by Luna. Using the Anchor Protocol on Terra, a 19.5% annual return on UST can be achieved. This practice, which has been going on for a long time, has made significant contributions to Luna's steady price increase.

## **DAI-USDC Investment on Moonbeam: 17.4%**

There is a DEX called Stellaswap on Moonbeam, an EVM-compatible blockchain. The DEX in question still provides 17.5% returns to the DAI-USDC stable coin pair. Transactions can be made on the Moonbeam blockchain through the Metamask wallet, and it is possible to make transfers to the blockchain through the Multichain application.

![image.png](https://images.hive.blog/DQme4LM37fYYED9g1DzKFccQb1DQBnjUWJVjKiGjCm8bVaM/image.png)

## **DAI-USDT-USDC Investment on Polygon: 16.9% APR**

To invest DAI-USDT-USDC on the Polygon network using the PolyCub application developed by the Leo Finance community, first of all, it is necessary to create the relevant LP on Curve. An important advantage of this investment is that the return is auto-compounded.

![image.png](https://images.hive.blog/DQmVoPYiMKwHyvpwqxNp77YvR8nFTKvY45crWbgLDnt6yYQ/image.png)

## **DAI-USDC Investment on Fantom: 8.8% APR**

The Wigoswap dapp on the EVM-compatible Fantom blockchain provides 8.8% returns to the DAI-USDC liquidity pool. Similar to the applications mentioned above, Wigoswap's code has also been audited by a legitimate firm.

## **Conclusion**

In this article, I created a portfolio that envisions dividing $5000 into 5 parts and investing it in 5 separate blockchains. The average annual return of the portfolio in question is 16.5%. To create the portfolio, it is necessary to use the Terra Trust Wallet, Hive Keychain, and a Metamask wallet. It is possible to use the same Metamask wallet for the Moonbeam, Polygon, and Fantom networks. These transactions can be made by buying Hive, Luna, Matic, GLMR, and Fantom worth 1000 dollars each from a central exchange and sending them to the relevant wallets. Although it takes a lot of effort to complete the installation, an experienced person can complete the process in half a day.

The rationale for creating such a portfolio was that in the event of a black swan event, only a portion of our principal would be lost. Having a fixed income potential of 16.5% per annum by bearing a very low risk is an important opportunity.

Thank you for reading.

**Cover Image Source:** [unDraw](https://undraw.co/)                            

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