What is LDUSDT? Earn Passive Income & Trade Binance Futures With Your USDT
Main Takeaways
LDUSDT is a new Binance Futures asset that combines passive earnings with active trading — all powered by your USDT Flexible Assets in Simple Earn.
With one simple swap, you can convert your subscribed USDT Flexible Assets into LDUSDT to earn APR rewards and trade USDⓈ-M Futures at the same time.
Designed for Simple Earn users and Futures traders alike, LDUSDT is perfect for anyone who wants to do more with their capital.
Please note that this utility is only available to users who have subscribed to Simple Earn USDT Flexible Products and have access to USDⓈ-M Futures.
This is a general announcement. Products and services referred to here may not be available in your region.
Your crypto shouldn’t have to choose between earning and trading. With LDUSDT, it doesn’t have to. Binance’s newest reward-bearing margin asset gives you the option to convert your USDT subscribed to Simple Earn Flexible Products into a Futures margin asset — so you can earn Real-Time APR rewards while also using that capital to trade USDⓈ-M Futures. Previously, if your USDT was subscribed to Simple Earn, it was earning rewards, but unavailable for trading. LDUSDT changes that.
What Is LDUSDT?
LDUSDT is not a stablecoin but a new margin asset designed for users subscribed to Simple Earn USDT Flexible Products.
It gives your USDT more utility by giving you the option to convert it into a margin asset for Futures — without losing access to your ongoing rewards. When you swap your Simple Earn USDT Flexible Assets for LDUSDT, the LDUSDT will appear in your Futures Account, where they can be used as margin in Multi-Assets Mode.
The best part? LDUSDT continues to earn Real-Time APR — even while it’s being used as margin for trading. Choosing between passive income and active trading? Now you get both! With a simple swap, you can put your subscribed USDT to work in a new way — continue earning and start trading at the same time.
One asset. Two opportunities. No compromises.
Benefits of LDUSDT For Trading and Earning APR
LDUSDT unlocks new possibilities for users who want to make the most of their USDT. Whether you’re an Earn user looking to trade, or a Futures trader wanting passive income, LDUSDT offers the best of both worlds.
Two-In-One Utility: LDUSDT is both a reward-bearing asset and a Futures margin asset. You can earn Real-Time APR and trade with the same USDT — no need to split your capital or pause your earnings.
Better Use of Your Earn Assets: If your USDT is already subscribed to Simple Earn Flexible Products, LDUSDT helps you unlock its potential. Instead of sitting idle, those same funds can now be deployed in the market, increasing your overall capital efficiency.
Growing Value: LDUSDT’s value continues to grow over time through the accumulating APR. Even if you’re not actively trading, your LDUSDT keeps building even while you sleep.
Flexible Control: You’re always in charge. LDUSDT can be swapped back to Simple Earn USDT Flexible Assets at any time, giving you freedom to shift between earning, trading, or both — whenever it suits you.
How to Convert USDT to LDUSDT on Binance: Dual Utility in One Swap
Using LDUSDT is simple. The entire process only takes a few steps. Whether you’re a long-time Earn user or new to Futures, here’s how to unlock the potential of your USDT:
Subscribe to Simple Earn USDT Flexible Products: Head to the Simple Earn section on the Binance website or app and subscribe your USDT to start earning Real-Time APR.
Swap to LDUSDT: Go to the LDUSDT page and tap [Swap] to convert your subscribed USDT into LDUSDT. This step makes your assets tradable while keeping your APR rewards active.
Access LDUSDT in Your Futures Wallet: Once the swap is complete, LDUSDT is automatically transferred to your USDⓈ-M Futures Wallet.
Enable Multi-Assets Mode: In the Futures trading settings, switch to Multi-Assets Mode to use LDUSDT as margin for eligible USDⓈ-M contracts.
Trade and Earn: Start trading with LDUSDT — or simply hold it in your wallet. Either way, your balance continues to grow in value thanks to the same Real-Time APR you’d receive in Simple Earn.
Note: Want to switch back? You can swap LDUSDT back to your USDT in Simple Earn at any time. No lockups, no stress — just full control over how you use your capital. LDUSDT is also available for Portfolio Margin accounts.
LDUSDT vs. BFUSD: What’s the Difference?
If you’ve used BFUSD before — another Binance reward-bearing margin asset — you’ll notice some familiar features in LDUSDT. But while they share the same goal of helping users earn while they trade, they’re designed for different types of users.
LDUSDT is built for users who’ve subscribed to Simple Earn USDT Flexible Products. It lets you convert your subscribed USDT into a margin asset for Futures trading, while continuing to earn Real-Time APR from Simple Earn.
BFUSD, in contrast, isn’t tied to Simple Earn. Instead, it generates returns from strategies such as funding fee income and staking rewards. It’s a great fit for Futures traders who want to earn passive income while keeping their trading capital active.
In short: LDUSDT is more tailored for Earn users expanding into trading, while BFUSD is built for Futures traders looking to boost capital efficiency through passive yield.
Final Thoughts
With LDUSDT, your USDT doesn’t have to choose between earning and trading — it can do both. Whether you’re unlocking idle funds from Simple Earn or looking to earn more from your trading capital, LDUSDT gives you the freedom to grow your assets your way.
It’s part of a bigger shift: making crypto more flexible, more rewarding, and more user-friendly. By bridging the gap between passive income and active trading, LDUSDT is just one more way Binance is helping you stay ahead.
Swap now to start trading while you earn.
Further Reading
Disclaimer: You are solely responsible for your investment decisions and Binance is not liable for any losses you may incur. The APR is calculated every minute, and is expressed as an annualised percentage return for illustrative purposes only. APR is an estimate of rewards you will earn in cryptocurrency over the selected timeframe. It does not display the actual or predicted returns/yield in any fiat currency. The APR is adjusted every minute and any estimated rewards may differ from the actual rewards generated. Past performance is not a reliable predictor of future performance. You should only invest in products you are familiar with and where you understand the risks. You should carefully consider your investment experience, financial situation, investment objectives and risk tolerance and consult an independent financial adviser prior to making any investment. LDUSDT cannot be withdrawn or used for any purpose other than as margin in a Binance Futures Account or for conversion into Simple Earn USDT Flexible Products, subject to availability. This material should not be construed as financial advice. For more information, see our Terms of Use, the Simple Earn Terms, the Futures Services Agreement and our Risk Warning. To learn more about how to protect yourself, visit our Responsible Trading page.