A stablecoin product that offers a high yield with low risk for institutional investors can be designed as follows:

Collateralization: One of the key components of a stablecoin is its underlying assets or collateral. To ensure low risk, the collateralization should be diverse and consist of low-risk assets such as government bonds, treasuries, and gold.

Yield generation: To generate a high yield, the stablecoin can be structured as a loan-based or investment-based model, where the underlying collateral is used to generate a return through lending or investing in yield-generating assets.

Risk Management: An effective risk management system is critical to ensuring stability and low risk. This can include the use of real-time monitoring, automatic triggering of risk mitigation measures, and regular auditing of the collateral and yields.

Regulatory Compliance: Stablecoins must comply with relevant regulatory requirements, such as anti-money laundering and know-your-customer regulations. This can help increase the confidence of institutional investors and reduce the risk of regulatory penalties.

Transparency: Institutional investors demand transparency in the operation and management of a stablecoin product. The stablecoin issuer should publish regular reports on the collateral, yields, and risk management processes to provide a clear picture of the product's performance and stability.

This is just a basic outline and the implementation details of a stablecoin product will depend on various factors such as the specific target market, the type of stablecoin, and the regulatory environment.
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