According to search results, the yield of Binance's financial products shows significant differences across different time periods and product types, and users need to choose suitable products based on their own risk preferences. Below is a comprehensive summary of core information:
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### **1. Stablecoin Regular Financial Yield**
1. **Base Yield Rate (as of February 2024 data)**
- **USDT**: Base annualized interest rate of 9.22%, with an additional 7% reward (amount cap not specified), total yield rate can reach 16.22%.
- **USDC**: Annualized interest rate of 7.13%.
- **DAI**: Annualized interest rate of 5%.
The yield is distributed daily to the spot account, redemption is flexible, but the interest rate may be adjusted with market fluctuations.
2. **Tiered Yield Promotion (ended)**
From March 6 to 19, 2025, Binance launched a special promotion for FDUSD flexible financial products, where users subscribing to 0-1,000 FDUSD could receive an additional 10% tiered annualized yield, combined with the original 1.3% real-time yield, resulting in a total yield of 11.3%.
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### **2. High-Yield Financial Products and Promotions**
1. **Flexible Lending Promotion (ongoing, until April 5, 2025)**
- Users borrowing USDT or USDC (minimum equivalent of 1,000 USD), based on average daily borrowing amount ranking, the top 50 can share a reward of 3 BNB, and new users can additionally receive 0.1 BNB.
2. **Binance Treasure Customized Products**
- Historical products such as COTI (30-day annualized 18%), ERD (7-day annualized 10%), ONE (90-day annualized 16%), etc., have high yields but users should be cautious of small coin risks and asset depreciation due to extreme market conditions.
3. **Capital-Protected Coin-Earning Regular Products**
For example, the recently launched GUNZ (GUN) token regular financial product supports flexible deposits and withdrawals, specific interest rates not disclosed but may be competitive.
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### **3. High Returns but High Risk Projects**
1. **Binance Launchpad Historical Cases**
- Some projects like Axie Infinity (AXS) achieved a return of 1649 times, and projects from 2022-2023 like StepN (GMT) had a return rate of 411 times, but recent project returns have significantly decreased (e.g., Arkham only 16 times), requiring caution regarding market cycles and project risks.
2. **Leveraged Tokens and Contract Trading**
Binance has faced controversy due to high volatility products (such as FTX leveraged tokens), and users need to fully understand the mechanisms to avoid blindly following trends.
