In traditional views, U.S. Treasury bonds have always been seen as the benchmark for 'risk-free returns', but ordinary investors often face high account opening thresholds, high capital thresholds, and poor liquidity when trying to participate directly. However, the newly launched RWUSD cleverly combines the stability of real-world assets (RWA) with the flexibility of the crypto market, offering users a low-threshold option with an annualized return of 4.2%.
Breaking the yield limit with 'full benefits'
4.2% may seem low, but those who understand know it's not! As we all know, most exchanges' stablecoin financial products have implicit thresholds! For example, the advertised high yield often only applies to new users with a few hundred USDT short-term deposit limits, playing word games. Additionally, many stablecoin financial products on the market set 'ladder interest rates' — for instance, the first $500 enjoys a 4% annualized rate, while the excess may drop to 1%.
RWUSD provides complete annualized returns for all subscription funds (up to 5 million RWUSD). This full coverage return model makes the actual yield of Binance RWUSD significantly higher than all competing products, truly achieving an investment experience of 'high returns with no barriers'.
Let's do some quick math: depositing $100,000, under common tiered financial products, only the first $10,000 receives 4%, while the remaining $90,000 shrinks to a 1% yield, giving an overall annualized rate of only 1.3%; whereas RWUSD calculates the entire $100,000 at 4.2%, resulting in nearly $3,000 less in yield at the end of the year. This rule of 'no tricks' is clearly designed for real demand.
More 'down-to-earth' than U.S. Treasury bonds, with better returns
The underlying assets of RWUSD are linked to tokenized U.S. Treasury bonds and other RWAs, but Binance boosts the comprehensive annualized return to 4.2% through self-operated yield subsidies. Currently, the 10-year U.S. Treasury yield is about 4.1%, and short-term Treasury bonds are even lower. This means that RWUSD not only eliminates the participation barriers of traditional finance but also offers a higher yield than directly buying U.S. Treasury bonds. More importantly, U.S. Treasury bonds typically pay interest every six months, while RWUSD pays dividends daily, with returns reinvested in real-time. For users who value cash flow perception, seeing returns credited daily when opening their wallets far surpasses the 'long wait' experience in traditional markets.
With Binance's endorsement, the safety and stability of RWUSD are undoubtedly assured, comparable to U.S. Treasury bonds. Just looking at the historical APR, the annualized yield over the past 90 days has been remarkably stable, which is very friendly for large funds!
A dual breakthrough in liquidity and functionality
RWUSD provides T+0 quick redemption (immediate credit, daily $5,000 fee-free limit) and T+3 standard redemption, with liquidity comparable to demand deposits. In contrast, early withdrawal of large bank deposits incurs interest loss, and trading U.S. Treasury bonds in the secondary market carries price risk. Additionally, RWUSD can be used as collateral for Binance VIP borrowing, and the collateral continues to earn interest during the pledge period — meaning users can leverage operations without sacrificing underlying returns, with capital utilization far exceeding traditional fixed-income products.
From practical demand, three types of users are most suitable for RWUSD:
First, profit-taking during a bull market, converting large amounts of stablecoin profits into RWUSD, avoiding missing out while earning stable returns;
Second, for low-risk preferences, those who have low tolerance for volatility in the crypto market but desire stable returns that outpace inflation;
Third, global asset allocators who want to lay out in Web3 in advance but lack the basics. The 4.2% annualized return of Binance RWUSD far exceeds the fixed deposit rates of most national banks.
The launch of RWUSD essentially reconstructs the highest quality assets from the traditional financial market in a crypto form by Binance. It does not claim to 'disrupt', but instead offers a lower threshold and higher efficiency, allowing users to enjoy returns that would normally require multiple barriers to access. This combination of 'real assets + crypto efficiency' may be the true killer application in the RWA track.
Are you tempted? Action speaks louder than words, come and experience it now. Subscribing to Binance RWUSD is very simple:
First, register and download the Binance APP: https://www.binance.com/join?ref=23279581
Web Version
Click here to go directly: https://www.binance.com/zh-CN/earn/rwa-rwusd. You can also enter from the Binance official website: [Wealth Management] — Select [Principal Protection Earnings] — Click [RWUSD] — Click [Subscription] — Enter the subscription amount, read and agree to the terms, and click [Confirm].
App Version
Search for [RWUSD] in the Binance APP homepage search bar, or click [More] on the homepage, find [RWUSD] in the wealth management section — Click [Subscription] — Enter the subscription amount, read and agree to the terms, and click [Confirm]
It's that simple, now you can enjoy passive income from Binance RWUSD.