Main Takeaways
RWUSD is a principal-protected yield product from Binance that offers daily APR rewards from RWAs like tokenized US Treasury Bills.
Subscribe with USDT or USDC, receive RWUSD 1:1 in your Spot Account representing your subscribed assets, and start earning rewards automatically.
RWUSD gives you a low-risk way to earn in crypto with stable returns, flexible redemptions, and exposure to real-world assets like tokenized US Treasury Bills.
This is a general announcement. Products and services referred to here may not be available in your region.
Looking for a safer, simpler way to earn in crypto? Meet RWUSD: a new Earn product from Binance that offers competitive, daily rewards without the usual complexity or market swings.
With principal protection and a 4.2% APR (subject to change), RWUSD is backed in part by Real-World Assets (RWA) including tokenized US Treasury Bills and yields from the Binance ecosystem. Get started with your stablecoins (USDT or USDC) and watch your balance grow.
You’ll earn rewards automatically and can redeem at any time, with funds staying securely in your Spot Wallet throughout.
What Is RWUSD?
RWUSD is a principal-protected yield product available through Binance Earn, built to help you grow your stablecoin holdings.
It’s powered by returns supported by real-world assets like tokenized US Treasury Bills, along with additional backing from the strength of the Binance ecosystem. That foundation helps RWUSD provide relatively stable, predictable rewards, even when market conditions change.
When you subscribe with USDT or USDC, you’ll receive an equal amount of RWUSD, credited directly to your Spot Wallet. From there, rewards start accruing automatically and are paid out daily in RWUSD.
RWUSD isn’t a stablecoin, and it doesn’t exist on-chain. It can’t be traded, transferred, or withdrawn — it simply stays in your Spot Wallet, quietly earning in the background.
How RWUSD Works: Simple and Flexible
RWUSD is built for ease. No trading, and no complicated setup. Just subscribe, hold, and earn. Here’s what the flow looks like:
Day 1: Subscribe using an eligible stablecoin (USDT or USDC). You’ll receive the same amount of RWUSD, credited to your Spot Wallet.
Day 2: Your RWUSD balance begins accruing rewards, based on daily snapshots.
Day 3: Your rewards are paid out in RWUSD to your Spot Account every day.
Beyond: Keep holding RWUSD to continue earning, or redeem whenever it suits you.
When you’re ready to redeem, you can choose between two flexible options. Both return your funds in USDC (regardless of which stablecoin you used to subscribe with).
Standard Redemption: Receive your USDC within three business days (T+3), with a 0.05% fee.
Fast Redemption: Get your USDC instantly within a personal daily quota and with a 0.1% fee. A daily free quota may reduce or eliminate this fee.
Why Choose RWUSD: Key Benefits at a Glance
In a world of unpredictable yields and fast-moving markets, RWUSD offers something refreshingly stable. With principal protection and rewards supported by real-world assets like tokenized US Treasury Bills, it’s a product built for peace of mind.
Whether you’re aiming to make better use of idle assets or looking for a more hands-off way to earn, RWUSD brings together consistency, flexibility, and ease, all from your Spot Wallet. Here’s what sets it apart:
Earn up to 4.2% APR with rewards paid out daily (rate is variable).
Principal-protected: your initial subscription stays safe from market swings.
Supported with real-world assets, such as tokenized US Treasury Bills.
High personal limits: subscribe up to $5 million with consistent APR. No tier-based APR structure. Just steady rewards.
Use RWUSD as collateral for Binance VIP Loans while still earning rewards.
RWUSD vs Other Stablecoin-Based Products
RWUSD joins a growing lineup of stablecoin-based earning products on Binance, each offering different benefits depending on your strategy. Here’s how it stacks up:
RWUSD – Designed for simplicity and peace of mind. It earns daily rewards in RWUSD in your Spot Wallet. Its yield is benchmarking tokenized US Treasury Bills, and is principal-protected. It can be used as collateral for Binance VIP Loan.
BFUSD – Built for Futures traders. BFUSD earns from funding fees and staking rewards, with rewards distributed in USDC to your Spot Account. It can also be used as margin for Futures trading. No subscription fee.
LDUSDT – A reward-bearing token linked to Simple Earn. LDUSDT automatically increases in value over time as rewards accrue, and can be used as margin for Futures. No subscription/redemption fees, but value fluctuates based on yield.
Each product has its own strengths, but if you’re looking for stable, daily rewards with principal protection and zero trading required, RWUSD offers a low-effort way to put your stablecoins to work.
How RWUSD Rewards Are Calculated
With RWUSD, there’s no need to time the market or chase yield. Rewards are calculated and paid out automatically. Here’s how it works behind the scenes.
Every day, Binance takes multiple snapshots of your RWUSD balance. Your reward is based on the lowest balance recorded that day, so if you deposit and withdraw within the same 24-hour window, only the smallest balance held will count.
Once you subscribe (T+0), your RWUSD balance starts accruing rewards from the next day (T+1). These rewards are then paid out daily starting the day after that (T+2), directly to your Spot Wallet — no action required, no fees, and no claiming process.
Day 1: Subscribe with at least 0.1 RWUSD.
Day 2: Start accruing rewards (based on snapshots).
Day 3 onward: Rewards accrued from the previous day (Day 2, in this case) are distributed daily in RWUSD to your Spot Account.
If you choose to redeem, rewards stop accruing on the portion you withdraw, beginning from the day the redemption request is made.
How to Subscribe to RWUSD on Binance
Getting started with RWUSD is quick, intuitive, and fee-free. Whether you’re using the app or website, it only takes a few taps to start earning.
On the Binance App
Step 1: Go to the search bar and type “RWUSD”. Alternatively, tap More on the homepage and scroll to Earn > RWUSD.
Step 2: Tap Subscribe.
Step 3: Enter the amount, read and agree to the terms, then tap Confirm.
On the Binance Website
Step 1: Navigate to Earn > Simple Earn, then click RWUSD.
Step 2: Click Subscribe.
Step 3: Enter the amount, agree to the terms, and hit Confirm.
That’s it! Your RWUSD will appear in your Spot Wallet instantly, and daily rewards will start building from the next day.
Final Thoughts
In a space full of complex strategies and unpredictable returns, RWUSD offers a simple, reliable way to earn. With principal protection, exposure to RWAs like tokenized US Treasury Bills, and daily rewards, it’s built for users who value stability, not stress.
There’s no wallet management, and no trading required. Just subscribe with your stablecoins, hold RWUSD in your account, and let it quietly generate rewards in the background. Whether you’re looking to make better use of idle funds or build a more balanced yield strategy, RWUSD gives you a low-effort, high-confidence option.
So why wait? Start earning steady, stress-free rewards with RWUSD today, and put your crypto to work with confidence!
Further Reading
Introducing RWUSD: Earn Up to 4.2% APR Rewards Supported by Tokenized US Treasury Bills
What is RWUSD?
Disclaimer: You are solely responsible for your investment decisions and Binance is not liable for any losses you may incur. 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. RWUSD is a product offered by Binance and is not directly linked to any real assets or securities. Participation does not grant ownership of any underlying assets. APR is discretionary and may change without notice. RWUSD is not a stablecoin or security, and is not available to U.S. persons. RWUSD involves risks and Redemption is not guaranteed to be immediate or uninterrupted. For more information, see our Terms of Use and Risk Warning.
