Recently, during chats, I've been frequently asked why the number of FIL miners has been continuously decreasing. The reason is quite straightforward: the early miners' 5-year contracts are about to expire.

FIL's mainnet launched in October 2020, and now it's been just over five years. The contracts of the first batch of miners are gradually expiring; some choose to continue, while others decide to cash out or switch. Looking at the timeline, the data lines up perfectly.

But what can you do with this coin now? Besides holding it passively in hopes of appreciation, I recently discovered that it supports financial products that generate interest, with a maximum lock-up period of three months. I’ve tried it a few times, and surprisingly, mainstream coins like UNI and SUSHI don’t have this feature, probably because they haven't been online long enough or their systems aren’t fully developed.

Everyone is aware of the current market—neither a crazy surge nor a complete collapse. During such times, contracts are especially vulnerable to being whipped back and forth. On the contrary, I see a window of opportunity: take some idle funds, find coins that have already fallen enough and can generate interest, and buy in batches, treating it as a financial product.

Tokens like FIL follow a linear unlocking mechanism. The more time passes, the more circulating supply there is, and the greater the selling pressure. It’s natural for the price to be pushed down. However, the current situation is that the unlocking process is already over half complete, and the most intense selling phase has actually passed. Looking at institutional actions—Grayscale alone has bought FIL 86 times this year, with an average cost basis around $10. Some say retail investors can't compete with institutions in scale, but that’s a false premise. Institutions have year-end assessments and performance targets; dollar-cost averaging is their most stable and essential strategy. Ordinary people can learn from this seemingly "silly" approach: buy in batches, add more when prices fall, hold after purchase, or put it into interest-generating products to earn some yield. What’s unreasonable about that?

Don’t always think about getting rich overnight. When the market is sluggish, it’s the golden window for accumulating coins, earning interest, and patiently waiting—this is the most reliable way for ordinary people to turn things around. When the market heats up, you’ll already have positions and a much calmer mindset.

If you also agree with this "slow is fast" logic, then it’s time to act. Don’t wait for the market to explode before regretting it.