Still letting USDT sit idle? You might have missed the quiet yet stable way to earn money in the crypto world. At Binance, wealth management is not as simple as "saving money"; it allows your digital assets to earn while they rest:

  • No need to monitor the market, no trading, can start with 0 experience

  • Various return types can be flexibly combined, ensuring capital preservation while also aiming for high returns

  • Supports USDT, BTC, ETH, allowing assets to earn interest while they rest. In this article, we will comprehensively break down the core gameplay and pitfalls of the Binance wealth management zone, helping you easily transition from being a "coin saver" to a "stable return player."

1. Where is the Binance Wealth Management Zone?

Open the Binance App: 👉【Home】>【Earn Coins】> Enter the "Wealth Management" Zone (Earn) where you can categorize and support multiple coins, different terms, and return models.  - -

2. Overview of Mainstream Wealth Management Products on Binance (Must Distinguish)

① Fixed-term Wealth Management (Locked for Stable Returns)

Locking up coins for a certain period to earn fixed returns, similar to "fixed deposits" 📌 Features:

  • Locking periods: 7 days, 30 days, 90 days, etc.

  • Higher annualized returns, suitable for long-term holders

  • Supports mainstream coins (such as USDT, BTC, ETH, SOL, etc.) Suitable for people who do not plan to sell coins in the near future, wishing to preserve and increase the value of their assets.  - -

② Demand Deposit Wealth Management (Withdrawable Anytime)

Don't want to lock for too long? Demand deposit wealth management is the balance point between liquidity and returns. 📌 Features:

  • Can be withdrawn at any time, no locking pressure

  • Annualized returns are generally lower than fixed deposits

  • Some popular coins have long-term activity rewards, suitable for users who want to manage assets flexibly and are uncertain about when they will need money.  - -

③ Dual Currency Investment (Advanced Play, has directional fluctuation)

Want to bet on price fluctuations but don't want to monitor the market? Dual currency investment is "passive speculation". 📌 Example: You hold USDT and participate in a BTC-related dual currency product. If BTC rises to a certain price, you get BTC; if not, you get USDT + returns. ⚠️ Has risks, suitable for users willing to bear directional fluctuations.  - -

④ Automatic Investment (A Representative of Long-term Thinking)

Automatic weekly/monthly investment, long-term cost averaging, suitable for "laid-back holders" 📌 Features:

  • Supports mainstream coins, automatically deducts payments as planned

  • Combining demand deposits to earn dual returns from regular investments + returns

  • Plans can be canceled or modified at any time. Suitable for people who understand long-term thinking and want to invest monthly to build positions steadily.  - -

3. How are returns calculated? Is wealth management worth it?

📈 Annualized Yield Range for Wealth Management (2025 Data Example): | Product Type | Annualized Yield | Liquidity | | - - - - - | - - - - - - | - - - - -| | Fixed-term Wealth Management | 5% ~ 18% | Locked for more than 7 days | | Demand Deposit Wealth Management | 1.5% ~ 5% | Withdrawable at any time | | Dual Currency Investment | High volatility (up to 50%+) | Has risks | | Automatic Investment | Depends on coin price movements | Long-term effectiveness |  - -

4. Common Misconceptions for Beginners

🚫 Misconception 1: Is a demand deposit better than a fixed deposit? Although demand deposits are flexible, fixed deposits are more suitable for long-term holders and offer higher returns. 🚫 Misconception 2: Is dual currency investment risk-free? Dual currency investments have directional risks, both rising and falling can affect returns, understand clearly before proceeding. 🚫 Misconception 3: Are returns slow to arrive? Most wealth management product returns are distributed daily/cyclically, with some fixed deposits paid out in one go at maturity.  - -

5. Registration Bonus, Wealth Management Can Also Stack Savings Mode

Although wealth management products themselves have no fees, registering on Binance with a dedicated invitation code still offers the following advantages:

  • Contract and spot trading rebates up to 30%

  • Benefits are bound at registration

  • Promotion codes can be used for rewards across other products 📌 Exclusive registration link: 👉 https://www.binance.com/join?ref=ADNKDVXD 📌 Invitation code: ADNKDVXD

6. Summary: Asset Earnings are the True "Slow Wealth" Path in the Crypto World

Not everyone is suitable for high-frequency trading or contracts. But everyone should learn asset management - - this is the core significance of the Binance Wealth Management Zone: ✅ Let your USDT, BTC, ETH no longer sit idle ✅ Use time to obtain stable returns ✅ Automated configuration, earning while lying down can be realized.