#SoftStaking Regarding Binance's "Holding Coin to Earn Interest" feature, I believe it is a tool that combines opportunities and risks, suitable for specific groups but should be approached with caution. Here is my comprehensive analysis and suggestions:

1. Core Advantages: Why is it Attractive?

1. Earn Passive Income with Zero Operation

No need for trading or monitoring, idle mainstream coins like BTC, ETH, USDT can automatically generate returns (usually calculated in APY annualized yield), especially suitable for long-term holders.

2. Flexible Term Options

From demand deposits (withdraw anytime) to fixed terms of 30 days, 90 days, meeting different liquidity needs. Generally, the longer the lock-up period, the higher the yield.

3. Low Entry Threshold

Most products allow investment starting from 1 USDT, friendly to retail investors.

4. Diversified Asset Support

Besides mainstream coins, some emerging tokens (like SOL, DOT, etc.) can also earn interest, providing diversification opportunities.

2. Suitable Audience and Strategy Suggestions

Suitable situations to try:

- Already holding long-term positions in mainstream coins (like BTC/ETH) and do not wish to trade frequently.

- Short-term idle stablecoins (USDT/USDC) seeking returns higher than bank interest.

- Able to withstand a 10%~20% fluctuation risk in principal.

Situations to Avoid:

- Investing borrowed funds (interest rate fluctuations may lead to losses).

- Betting on high-yield small tokens (high risk of project failure or zeroing out).

- Long-term lock-up during a bear market (may miss stop-loss opportunities).