Last time I told you that bivalent investments can be used to hold USD at a higher % than in ERN.
For example, in Ern there is currently an offer on USDC
- 400 dollars - 11.15%
- over 400 dollars - 1.15%
Now let's look at bivalent investments: 
The interest rates are higher. It works like this:
Choose the date and target purchase price. For example, choose to buy BTC on 9.05 at 95500. If on 9.05 the price is higher - you will get back USDC +5.17%.
And if the price is 95500 or lower - you will get back BTC at the price of 95500. That is, there is a risk of buying at a higher price than the market, which is why an attractive % is offered for the risk.
Interestingly, a high % usually stands at prices that Binance considers to be the most realistic. And low % are for less realistic options. For example, on 9.05, buying at 99500 has an interest rate of 146%. It is likely that the price will be the same or lower tomorrow and you will receive BTC. But there is a small chance to get 146% if the price is higher😉.
Theoretically, by the size of the % you can understand Binance's opinion on which direction the price will go. But! Be careful, I've already checked that often their opinion and % change throughout the day to the opposite. In fact, no one knows where the price will go.
Everything I wrote is not investment advice. Think and calculate before making a decision.
