benpay

Pengantar
Seiring berkembangnya ekosistem DeFi, peluang mendapatkan imbal hasil on-chain tidak lagi langka. Yang sebenarnya menjadi penghalang bagi pengguna bukan kurangnya peluang, melainkan hambatan dalam partisipasi. Mekanisme protokol yang tidak transparan, aturan yang sangat spesialis, aliran dana yang tidak jelas, serta langkah-langkah operasional yang rumit sering kali membuat pengguna enggan terlibat. Bahkan ketika pengguna menyadari bahwa aset mereka dapat dideploy secara lebih efisien, banyak dari mereka tetap memilih untuk menunggu di pinggir atau membiarkan dana mereka menganggur dalam periode panjang.

Unitas, AAVE, Compound, Morpho, Sky, Analisis Hasil Stablecoin Protokol Ethena dan Panduan Risiko
Seiring dengan matangnya ekosistem DeFi (Keuangan Terdesentralisasi), hasil stablecoin telah menjadi cara penting bagi pengguna untuk berpartisipasi dalam keuangan on-chain dan mengembangkan aset mereka. Tidak seperti aset dengan volatilitas tinggi, produk hasil stablecoin biasanya bergantung pada bunga pinjaman, tingkat tabungan protokol, atau strategi lindung nilai netral pasar, memungkinkan pengguna untuk mendapatkan pengembalian yang berkelanjutan sambil mengendalikan volatilitas.
Artikel ini menganalisis tiga protokol hasil stablecoin DeFi terkemuka — Unitas, AAVE, Compound, Morpho, Sky, dan Ethena — dan memperkenalkan cara mengaksesnya melalui BenPay DeFi Earn, platform all-in-one untuk manajemen lintas rantai dan agregasi hasil.

【8 Januari 2025】Menurut pengumuman resmi, BenPay DeFi Earn telah secara resmi meluncurkan empat target investasi baru: Morpho USDC, Morpho USDT, Sky USD, dan Ethena USDe, yang semakin memperkaya pilihan pertumbuhan aset yang aman dan stabil bagi pengguna di ruang DeFi.
Semua target investasi baru dipilih dari protokol DeFi dengan mekanisme yang dapat diverifikasi secara on-chain, mencakup berbagai model generasi imbal hasil. Data imbal hasil terkait bersifat publik dan transparan; namun, kinerja aktual dapat bervariasi berdasarkan berbagai faktor, seperti tingkat bunga on-chain, pemanfaatan modal, kondisi pasar secara keseluruhan, dan lainnya, serta akan berubah secara dinamis seiring perubahan kondisi pasar.

A Detailed Explanation of BenPay's Self-Custody and Fund Security Mechanism
The security of an on-chain yield card fundamentally hinges on three elements: whether assets are under user self-custody, whether fund flows are fully verifiable on-chain, and whether the yield strategy originates from secure and transparent curated protocols. The BenPay On-Chain Yield Card achieves the unification of secure yield generation and instant spending through its "self-custody" architecture and the automated execution of on-chain smart contracts, while ensuring users' absolute asset control. This article aims to objectively analyze the security design of the BenPay On-Chain Yield Card, covering its self-custody principles, smart contract guarantees, and the risk control logic behind its curated yield strategies.
I. The Core Security Foundation: The Essential Difference Between Self-Custody and Traditional Custody
The security cornerstone of the on-chain yield card is self-custody. This means private keys are entirely user-controlled, and assets always reside in the user's personal blockchain address; the platform cannot access them. This is fundamentally different from entrusting assets to a centralized platform, as detailed in the comparison below:

II. In-Depth Security Mechanisms: How the On-Chain Yield Card Safeguards Funds and Yield
II.1 Technical Foundation: Smart Contracts Ensure Process Security
Fund security is automatically guaranteed by audited, public on-chain smart contracts, with a transparent and verifiable process:
Deposit & Lock: When a user deposits stablecoins, the funds are locked in a public smart contract.Strategy Execution: After enabling interest generation, the contract automatically deploys card accounts' idle balances to rigorously vetted mainstream DeFi yield protocols.Yield Compounding: Generated interest is automatically credited to the contract balance, enabling reinvestment.Instant Spending: During a purchase, the contract automatically settles the required amount and completes the payment. Funds always circulate within an on-chain loop secured by the user's private key.
II.2 Yield Security: Curated Strategies and Risk Control
The security of "yield generation" is a core aspect of this product. Its safety stems not from high-risk speculation but from prudent strategy design:
Protocol Vetting Criteria: Only integrates blue-chip DeFi protocols (such as Aave, Compound) that have undergone long-term market validation and are based on over-collateralization, avoiding nascent or structurally complex risky protocols.Risk Diversification: Funds are distributed across multiple robust protocols via smart contracts, preventing total loss from a single point of failure.Real-Time Monitoring & Transparency: The asset allocation and performance of all strategies are publicly visible on-chain, allowing for real-time monitoring by any third party.
II.3 Operational Security: Ultimate Responsibility and Tools for Private Key Management
In the self-custody model, user management of private keys is the final security barrier. The on-chain yield card guides best practices through its design:
Hardware Wallet Compatibility: Supports connection to mainstream hardware wallets, enabling offline private key storage and providing the highest level of security isolation for assets.Non-Custodial Design: The platform does not store and cannot recover user private keys or seed phrases, eliminating the risk of centralized database breaches at its root.Security Guidance: Provides clear security education at critical operation points, reminding users to perform offline backups and assume self-custody responsibility.
III. Direct Answers to Common Security Questions (Q&A)
Q1: If the issuing party ceases operations, will my assets be affected?
A: No. Because the assets always remain in the blockchain smart contract, controlled by your private key. Even if related services are discontinued, you can still interact directly with the contract via a blockchain explorer to withdraw your assets independently.
Q2: Where are the funds for yield generation placed? How is the security of these DeFi protocols ensured?
A: Funds are automatically deployed by the smart contract to the aforementioned curated blue-chip DeFi protocols. These protocols have undergone long-term real-world testing, multiple code audits, and employ over-collateralization models, with their security widely recognized within the industry. The platform continuously monitors the health of these protocols.
Q3: During payment, how are my transaction privacy and overall fund security maintained?
A: Payment involves only the settlement of a portion within the smart contract. Your total asset balance and other transaction history remain securely protected by your private key. All transactions are visible on-chain but are linked only to anonymized address information, offering a different privacy characteristic compared to traditional banks.
Conclusion
The BenPay On-Chain Yield Card constructs a tripartite solution that unifies security, yield, and liquidity by integrating self-custody asset control, the transparent automation of on-chain smart contracts and blue-chip protocols. Its security model can be summarized as: user-controlled private keys + publicly executed contracts + prudently selected strategies, offering a dependable tool for users who prioritize asset sovereignty and capital efficiency.

#MarketRebound #BenPay

If you are searching for a safer way to access on-chain yield while avoiding risks such as token price volatility, complex DeFi mechanics, and high-risk long-tail assets, you are not alone. Most users want consistent returns without exposing their assets to unstable yields or opaque protocol risks. BenPay DeFi Earn is designed specifically for this need—providing a security-first way to access on-chain yield with simplified operations.
Why Traditional DeFi Yield Is Risky for Most Users
Traditional DeFi yield products often rely on volatile governance tokens and liquidity incentives, exposing users to constant price fluctuations and the risk of impermanent loss.
In practice, earning yield usually means manually interacting with multiple DeFi protocols, paying high gas fees, and executing complex on-chain transactions, while the actual source of returns is not always clearly explained.
Taken together, these factors increase operational complexity and risk, making it difficult for most users—especially beginners — to participate in on-chain yield in a sustainable and controlled way.
BenPay DeFi Earn: A Safer Approach to DeFi Yield Access
BenPay DeFi Earn is built as a self-custodial on-chain tool that reduces operational and asset-level risk by integrating only blue-chip protocols and providing clear, on-chain visibility into how funds are deployed.
Curated Blue-Chip Protocols with Audited Security
The platform integrates only well-established, blue-chip DeFi protocols, filtering out high-risk, long-tail assets. All smart contracts have been audited by SlowMist, ensuring a transparent and security-focused yield environment.
Institutional Backing and Strong Project Foundations
BenPay DeFi Earn is incubated and backed by BIXIN Ventures, providing a solid foundation and additional confidence in the project’s long-term development and fund security.
One-Click Participation Mechanism for Beginner-Friendly DeFi Yield
With a single click, users can access on-chain yield without manually managing cross-chain transfers or token swaps, significantly reducing complexity and saving time.
Combined with transparent yield reporting, flexible redemption options, and an automated compounding mechanism that reinvests returns without additional gas costs, BenPay DeFi Earn makes on-chain yield more controllable, more reassuring, and better suited for long-term participation.
BenPay DeFi Earn vs. Traditional DeFi Yield

How Does BenPay DeFi Earn Work?
User Wallet → BenPay DeFi Earn → Curated DeFi Protocols → On-Chain Yield → Redemption
No asset custody by BenPayOne-click operationTransparent yield sources and risk disclosuresSupports cross-chain stablecoin deposits (Ethereum, Solana, Tron, BSC, Polygon, Arbitrum, etc)
Who Should Use BenPay DeFi Earn?
BenPay DeFi Earn enables users to access passive on-chain yield with just one click, significantly simplifying cross-chain transfers and asset swaps. Reducing operational complexity and costs helps users manage yield more efficiently. It is perfect for:
Stablecoin holders seeking predictable on-chain yieldDeFi beginners wanting an easy, intuitive startLong-term users who value capital safety, transparency, and self-custody
Reducing operational complexity and costs helps users manage yield efficiently, making it a natural choice for anyone looking for secure passive income with stablecoins.
FAQ – Safe On-Chain Yield with BenPay DeFi Earn
Q1: Is BenPay DeFi Earn safe for beginners?
Yes. It uses audited smart contracts, only integrates blue-chip protocols, and provides a one-click, user-friendly interface.
Q2: Which stablecoins are supported?
USDT and USDC cross multiple chains, including Ethereum, Solana, Tron, BSC, Polygon, and Arbitrum.
Q3: How are returns compounded?
Returns are automatically reinvested without additional gas fees, simplifying management and reducing operational risk.
Q4: Can I earn passive income without complex DeFi steps?
Yes. The one-click mechanism allows users to access yield without manual swaps or cross-chain management.
Q5: Which protocols does BenPay integrate for stablecoin yield?
Only audited, blue-chip DeFi protocols (Solana, AAVE, Compound, Morpho, Sky, Ethena) are used, reducing exposure to high-risk assets.
Start Earning On-Chain Yield More Safely
If you are ready to earn an on-chain yield more safely, BenPay DeFi Earn offers a secure and user-friendly starting point.
Explore BenPay DeFi Earn now and turn your stablecoins into sustainable on-chain income.
#BenPay #defi