Binance Exchange has officially launched its latest product under Binance Earn - RWUSD. It is an interesting solution that allows users to earn up to 4.2% APR based on Real World Assets (RWA), such as tokenized U.S. Treasury bills.

RWUSD combines the security known from traditional investments with the opportunities provided by the world of cryptocurrencies. This makes it a good choice for both experienced investors and those simply looking for a stable and secure way to grow their money in the Web3 world.

Why should you be interested in RWUSD?

The cryptocurrency market has many offers for savings and staking products. The problem is that most exchanges impose restrictions on the full interest rate - for example, a higher APR applies only to a certain, usually small amount (around a few hundred dollars), and the excess earns much less.

RWUSD stands out significantly because the full interest rate of up to 4.2% APR applies to the entire subscribed amount, up to 5 million RWUSD per user. This makes it exceptionally competitive in the market and attractive for investors with larger capital.

Security and capital protection

RWUSD is a principal-protected product, meaning that the invested capital is protected. It is not just an ordinary stablecoin or tokenized security; RWUSD is backed by high-quality Real World Assets, including tokenized U.S. Treasury bills.

It is this connection to this type of asset that keeps the interest rate relatively stable and competitive. For users, this means lower risk compared to products based solely on variable rates in the DeFi sector.

Flexibility and availability of funds

In the case of RWUSD, users have full control over their funds, can withdraw them at any time, choosing one of two options:

  • Standard redemption - funds are available after three days, with a fee of 0.05%.

  • Immediate redemption - funds are credited to the account immediately, with a fee of 0.1%. However, each user has a daily, free limit of up to 5000 RWUSD for immediate redemption.

Subscriptions and redemptions occur at a 1:1 ratio with USDC, and additionally, you can subscribe to RWUSD using both USDC and USDT. (If USDT is available in the respective region)


Daily rewards and compound interest

One of the advantages of RWUSD is the daily distribution of rewards in the same currency (RWUSD) directly to the user’s Spot account. Importantly, the received rewards increase the total amount they hold, allowing for the benefit of compound interest - subsequent rewards are also calculated from previously received interest.

In practice, this means that by holding RWUSD for a longer period, the user can achieve even better results than indicated by the nominal APR.

Capital works doubly - RWUSD as collateral for VIP loans

RWUSD is not just a tool for generating passive income. Binance allows using it as collateral for VIP Loan, and most importantly - rewards are still accrued from it.

This is a unique advantage, as the same money can earn in two places at the same time, which happens very rarely in traditional forms of saving.

Access to traditional assets in the Web3 world

Exposure to instruments such as U.S. Treasury bills has so far been mainly reserved for large institutional investors.Binance, by supporting RWUSD with RWA assets, opens this opportunity for the broader cryptocurrency community.

This is another step towards making investing accessible to everyone! Including investing in assets that previously most people did not have access to.

Why act now?

  • Competitive and stable interest rates - up to 4.2% APR.

  • No restrictions on accruing the full APR up to 5 million RWUSD per person.

  • Capital protection through support from RWA assets.

  • Flexible redemptions with the option for immediate access to funds.

  • Daily distribution of rewards with a compound interest effect.

  • The ability to use RWUSD as collateral for VIP loans without losing interest.

Summary

RWUSD is a product that combines security, flexibility, and attractive interest rates, leveraging the potential of Real World Assets in the world of cryptocurrencies.

For those who want to hold capital with relatively low risk while also benefiting from the advantages of the Web3 world, this is an exceptionally interesting option. By introducing RWUSD, Binance not only responds to the growing interest in RWA but also gives its users a tool that can genuinely enhance investment efficiency by growing their funds.

You can find more information about RWUSD on the official Binance website.