Binance's recent financial products are quite elaborate, from 'discounted coin purchases' to RWUSD, the high-yield product matrix has been set up, leaving options for different people.

First, let's talk about 'discounted coin purchases.' This is designed for those who are hesitant about bottom-fishing. Want to build a position at a low price but afraid of getting caught halfway up? It uses a model similar to institutional options, simplifying it for retail investors. The core idea is that you set a buy-in price and can see the corresponding annualized return and strike price.

At maturity, if the price is below your set price, you buy everything at the low price; if it’s between the strike price and target price, you buy half in coins and get half back as principal; if it exceeds the strike price, you get both the principal and the agreed returns. In simple terms, if you successfully buy, you profit from the low price, if not, you don't lose anything and can still earn some interest, with a maximum annualized return of up to 30%, which is quite appealing for those looking to bottom-fish.

Next, RWUSD is linked to real assets, which essentially means it generates income based on things like U.S. Treasuries.

It guarantees the principal, you can invest with as little as 0.1 U, and you can redeem up to 5000 U quickly and for free each day, with an annualized return of about 4.2%. The returns aren’t high, but it’s stable, suitable for those who don’t want to take risks. Moreover, it provides daily returns, automatically rolling into the principal for compound interest; although the earnings are slow, they are reliable.

Comparing the two products, 'discounted coin purchases' have high returns but also high risks, requiring some market judgment, suitable for those willing to take a gamble; RWUSD is all about stability, has no significant barriers, and is suitable for those seeking safety.

It’s advisable not to put all your eggs in one basket. If you want stability, consider allocating some RWUSD as a base; for those with spare cash who want to take a chance, go for some 'discounted coin purchases.' This way, a combination of high and low can make it a bit more stable in the crypto market. #Rwusd