When the market is wildly fluctuating, the most profitable are not those chasing highs and selling lows. The true winners often do one thing that seems very ordinary—exchanging to USD, depositing fixed-term, earning interest.

Recently, the offshore RMB exchange rate broke below 7, returning to the 6s. This is not just a numerical change; it reflects a huge shift in capital flows and expectations. At the beginning of the year, when the exchange rate was 7.35, some people already sensed the trend. They simply exchanged RMB for USD—sounds very ordinary, but what was the effect?

Suppose at the start of the year, you exchanged 7.35 million RMB at an exchange rate of 7.35 for 1 million USD, then threw it into a USD fixed deposit with a 4% annual interest rate. And now? The 1.04 million USD is sitting in your account. Just from the appreciation of the exchange rate alone, you’ve locked in significant paper gains, not to mention the monthly interest. Compared to the recent crashes in stocks, bonds, and digital assets, this move might seem… boring, but also quite smart.

This is the logic of "holding U, waiting for the dip." When macro uncertainty rises sharply, holding USD or stablecoins like USDT, USDC is essentially hedging against RMB depreciation. But it’s much more than that—it’s also avoiding volatility in the crypto market, credit risks in bonds, and systemic risks in stocks. A seemingly passive choice, in fact, is using the lowest cost to gain the broadest protection.

The crypto world always likes to talk about FOMO, chasing highs, and overnight riches. But those who truly build wealth are often those willing to stay calm when the market is most crazy. They don’t need to hit every beat perfectly; they just need to make the right asset allocation decisions at critical moments. A difference of 7.35 to 7.0 in the exchange rate, or a 4% annual interest, may seem insignificant, but that’s the beginning of compound interest.