Hello friends interested in growing your digital assets! 👋

Many of us are looking for ways to make our digital currencies "work" and generate extra yield instead of just sitting idle in the wallet. Stablecoins (like USDC) offer an attractive opportunity here, as they aim to maintain their price close to the US dollar, thus potentially being less volatile than currencies like Bitcoin and Ethereum.

The Binance platform, along with many other platforms and decentralized finance (DeFi) projects, offers different products that allow you to deposit your stablecoins (like USDC) to earn yield on them.

USDC on Binance: Earning yield potential 💰

Binance offers a range of products (like Flexible Savings, Locked Savings/Staking, and others) that allow you to make a "deposit" of your stablecoins like USDC and earn a yield over time (commonly known as APY - Annual Percentage Yield).

This yield usually comes from the platform lending your coins to other parties (like traders engaging in margin trading) or using them in investments and other operations that generate yield, and returning part of that yield to you.

Yield comparison... and risks! 🚨

You may hear or see that the potential yield on stablecoins like USDC on platforms like Binance can be higher than the interest you can get from a traditional bank or regular investment certificates. And indeed, in certain times and under certain market conditions, you might see yields that are higher (like the 10% annual rate you may have seen or heard about in previous offers or for certain products under specific conditions).

However, it is extremely important to emphasize the following:

These potential yields are "not without risks" at all, and they are completely different from the security found in traditional banks where your deposits are insured by governments or regulatory bodies!

The risks you need to be very aware of:

* Platform risk: This is the most important risk. If Binance (God forbid) suffers a major hack, severe regulatory issues, or faces severe financial difficulties, you may lose part or all of your funds present on it. Your money on the platform is not insured in the same way as your money in a traditional bank.

* Product-specific risks: Some yield earning products may be linked to protocols in decentralized finance (DeFi), which may carry technical risks (like bugs in smart contracts being exploited).

* Stablecoin risks (Depegging Risk): Although USDC is considered a stable and reliable coin, there is a possibility (albeit low) that under extremely adverse market conditions or operational issues, the stablecoin may temporarily or permanently lose its peg to the dollar (as has happened with other stablecoins).

* Yield change risks: The yield percentage (APY) you often see can be variable (especially in Flexible Savings products) or tied to certain conditions (in Locked Savings). The percentage can drop significantly at any time based on market conditions or platform policies. The 10% rate is not guaranteed indefinitely or unconditionally for all users at all times in 2025.

* Liquidity risks: In some products (especially Locked), you may not be able to withdraw your money until the specified term ends.

Be cautious and aware: Essential tips before depositing your money to earn yield:

* Do your own research (DYOR): Understand very well the product on Binance where you will put your USDC. Read the terms and conditions very carefully.

* Understand the risks: Be honest with yourself about the risks mentioned above. Are you ready to bear them?

* Yield is not the most important thing: Don't be dazzled just by the high potential yield percentage. Safety and risk management are more important in the long run.

* Look for the current rate: The displayed rates change constantly, make sure of the actual rate you will receive at the time of deposit.

* Start with a small amount: If you are new to this, try a small amount first to understand the nature of the product and the risks in a practical way.

Earning yield on stablecoins like USDC on Binance can be an attractive opportunity for passive growth of your digital assets, and it may indeed provide a higher yield than traditional methods in 2025. But always remember that this opportunity comes with real risks that cannot be ignored. Make your decisions based on a full understanding of the risks, not just on the potential yield.

Do you use yield earning products on stablecoins? Share your experience and the most important advice you've learned! 👇

Important reminder: This article is for educational clarification of the concept of earning yield and the associated risks, and not investment advice in any form. The cryptocurrency market is highly risky and requires your own research and careful risk management. The mentioned rates (like 10%) are examples of potential past yields or tied to specific conditions and are subject to change and may not be available in the same form currently.

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