JustLend is TRON’s flagship on-chain money market. In 2025, the most compelling, current play for new and seasoned users alike is a Stablecoin Ladder Strategy—a disciplined, low-volatility approach to earning predictable on-chain yield while keeping liquidation risk close to zero.

Quick start: open the official app at JustLend.

Stablecoins dominate on-chain settlement flows, and JustLend’s money-market model converts that demand into variable but steady supply APY. A ladder staggers deposits and rebalances on a calendar cadence so you can:

• Smooth out APY swings over time.

• Automate risk with pre-set rules (no “edge-sitting”).

• Keep a clean paper trail for taxes and performance tracking.

The result is a boring-on-purpose income engine that holds up across market regimes.

• Supply → Earn → jTokens: Deposit a supported stablecoin; you receive an interest-bearing representation that auto-accrues.

• Optional collateral: You can toggle collateral to unlock borrowing—but the ladder works best unlevered or with tiny leverage.

• Algorithmic rates: Borrow APR and supply APY adjust with utilization (borrowed ÷ supplied).

• Risk levers: Collateral factors, caps, reserves, and pause switches (where implemented) shape market resilience.

1. Three rungs, one goal: Split capital into three equal tranches (“rungs”) with different deposit and review dates (e.g., Day 1, Day 11, Day 21).

2. Calendar cadence: Every 10 days, review exactly one rung—roll it forward, harvest, or top up.

3. Risk floor: Run unlevered to start. If you later add leverage, cap effective leverage at ≤1.3× and keep a 25–40% buffer above liquidation.

4. Stop rules: If APY drops below your hurdle or utilization spikes, roll that rung into a safer market or pause additions until conditions normalize.

This design keeps you active without micromanaging—and avoids timing everything on a single day.

Open & connect → Welcome to JustLend and connect a TRON-compatible wallet (e.g., TronLink; hardware wallets via Web3).
Choose the base market → Start with one liquid stablecoin market you understand. Confirm APY, caps, and recent utilization behavior.
Fund Rung A (Day 1) → Supply ~⅓ of your capital. Keep the position unlevered at first.
Fund Rung B (Day 11) → Supply the second ⅓. If conditions improved (spread, utilization), you may add a tiny loop—only if comfortable with liquidation math.
Fund Rung C (Day 21) → Supply the final ⅓.
Every 10 days, rotate: Review the next rung in line—harvest, add, or rebalance. If borrow APRs/conditions look worse, just hold or shift markets.
Document everything: Log deposits, APY snapshots, utilization notes, and any changes (and why). A simple journal compounds discipline.

If the spread (Supply APY − Borrow APR) comfortably clears your hurdle after fees and a risk cushion, consider a micro-loop:

• Cap effective leverage at 1.2×–1.3×.

• Maintain health ≥ 1.40; if it falls below 1.30, repay same day.

• Loop only on one rung while you learn; keep the other two unlevered.

If the spread tightens or volatility clusters hit, unwind the loop and go back to unlevered.

• No edge-sitting: Unlevered by default; tiny leverage only with clear edge and strict stops.

• Utilization watch: When markets run hot (utilization high), expect wider rate swings and slower exits—stage withdrawals if needed.

• Correlation discipline: If you ever enable collateral, avoid highly correlated baskets.

• Governance hygiene: Parameter changes (LTVs, caps) can alter limits—skim updates weekly.

• Cash buffer: Keep a small wallet reserve to repay instantly if you added a loop and health dips.

• Supply APY / Borrow APR are variable—preview in-app before confirming.

• Protocol reserves take a slice of interest (indirect cost to suppliers).

• Network costs on TRON are low, but frequent micro-moves still add up—your 10-day cadence batches decisions and preserves net yield.

• APY trend of your chosen market(s).

• Utilization and any cap changes.

• Your ladder P&L: deposits, accrued interest, realized harvests.

• If looped: health, borrow APR, spread; alert if health < 1.35.

• Chasing the top APY daily: Fix—respect the ladder. Review one rung every 10 days only.

• Adding leverage because you’re bored: Fix—loop only when spread comfortably beats fees + safety margin.

• Ignoring utilization: Fix—stage exits in hot markets; don’t assume instant withdrawals.

• No journal: Fix—write one line per action. You’ll thank yourself later.

• Open-source contracts enable community review and third-party audits; see JustLend GitHub

• Pause/guardian controls (where implemented) help during emergencies.

• On-chain telemetry (utilization, caps, rates) lets you verify conditions in real time.

• New users who want steady, low-volatility income without complex hedging.

• Busy pros who prefer a reliable cadence over daily micromanagement.

• Cautious loopers who treat leverage as a tool with hard stop rules.

• CoinGecko — JUST (JST): token profile, markets, historical data

• CoinMarketCap — JUST (JST): market cap, supply, exchanges

• TRON Ecosystem Blog/Docs: network updates, developer notes, and risk disclosures.

(APY and TVL are dynamic—always verify in the app and analytics before acting.)

Do I need JST to run the ladder?
No. JST is for governance. Supplying/withdrawing works without it.

What makes the ladder better than one big deposit?
Time-staggering smooths APY variance, reduces timing risk, and gives you regular chances to react without constant micromanagement.

Is leverage required?
No. The ladder is designed unlevered. Add a tiny loop only if the spread clearly beats costs and you enforce strict health rules.

Can I withdraw anytime?
Usually, yes—but during high utilization windows, exits may slow. Stage withdrawals.

How do I scale this from $500 to $50,000?
Keep the three-rung structure, size each rung proportionally, and maintain the same calendar cadence and stop rules.

The Stablecoin Ladder is a 2025-friendly way to turn JustLend into a low-volatility income engine—without living at your screen or flirting with liquidation. Stagger deposits, review on a schedule, and only add small, rule-based leverage if the spread truly justifies it. When you’re ready to put a rung in place, launch the app at JustLend and start small—then scale what works.