Recently noticed several good Binance investment products; I personally prefer 'Capital Protection Earn Coins,' which allows earning interest by depositing idle cryptocurrencies. Below, I will share insights on product introduction, operation guide, advantages, and risks:

I. Product Introduction

Flexible Product: Supports purchases and redemptions at any time, high liquidity of funds, and interest is paid out twice daily (some cryptocurrencies calculated by the minute), suitable for short-term idle funds.

Fixed Products: Locking periods range from 7 to 120 days, with annualized returns typically higher than flexible (some cryptocurrencies exceeding 20%), but early redemption results in total interest loss and a 72-hour wait for funds to arrive.

Supported Cryptocurrencies: Covers over 300 cryptocurrencies, including mainstream coins (BTC, ETH, USDT) and smaller coins (e.g., SOPH, BB, etc.), with significant differences in yield across various cryptocurrencies.

Source of Earnings: Binance lends users' deposited assets to leveraged traders or users who pledge borrowed coins, profiting from interest differentials, with a portion of earnings returned to users.

II. Operation Guide

Purchase cryptocurrency with fiat through the [Trading] page or deposit from an external wallet to your Binance spot account.

Access the Investment Page: Click [Investment] on the homepage → [Capital Protection Earn Coins], and search for the target cryptocurrency (e.g., USDT).

Select Product Type:

Flexible: Enter the amount, activate 'Automatic Purchase' for compound interest calculation (interest is automatically reinvested).

Fixed: Choose a locking period (e.g., 30 days), enter the amount, and click confirm.

Redemption Steps:

Flexible: Redeem anytime by clicking [Redeem] in the investment account, with funds immediately credited to the spot account.

Fixed: Automatic redemption upon maturity; if redeemed early, a 72-hour wait is required, and interest will be forfeited.

💡 Tips: Follow the Binance [Activity Page]; some new coins (e.g., SOPH) or limited-time activities (e.g., BMT tiered returns of 25%) offer additional rewards.

III. Core Advantages

High Yield: Flexible annualized returns are around 3-5% (e.g., USDT), while fixed can reach 12-25% (e.g., CATI 30-day period at 20%), far exceeding traditional bank fixed deposits.

Low Entry Barriers and Flexibility: Flexible supports investments starting from 0.1 USDT; fixed locking periods are flexible (7-120 days), with some products allowing early redemption.

Risk Control Mechanism: Binance uses the SAFU fund (over $1 billion in size) to safeguard user assets against extreme risks.

Automation Feature: 'Automatic Purchase' enables compound growth and maximizes returns.

IV. Risk Warnings and Precautions ⚠️

Price Volatility Risk: 'Capital Protection' means the principal amount remains unchanged, but if the token price drops, the fiat value at redemption may decrease.

Activity Restrictions: Tiered returns (e.g., 9% for EURI, 25% for BMT) are limited-time offers, available on a first-come, first-served basis. #币安理财