USDC Binance flexible savings annualized 11.45%, for a period of one month, there is a smart way to play, like borrowing and lending, for example, deposit USDC, borrow BTC, and then deposit BTC to borrow USDC. I calculated that if you maximize the cycle 4 times, the annualized rate can exceed 18%. Since Binance lending does not consolidate orders, each order is considered individually, so this carries risks, as BTC fluctuations may lead to liquidation.

Individuals should choose based on their personal situation.