You can choose not to participate, but you need to understand what $RWUSD is about.
This is a new financial product launched by Binance, essentially a "principal-protected + demand deposit". The returns come from RWA (tokenized U.S. Treasury bonds), not on-chain stablecoins or securities.
▪️ Annualized return up to 4.2%, interest paid daily
▪️ Supports 1:1 subscription with USDT/USDC, flexible redemption
▪️ Can be used as collateral for Binance VIP lending
▪️ Maximum limit of 5 million, very friendly for large funds
The logic of this product is very simple: stability + liquidity + returns, serving as an intermediary between traditional finance and DeFi.
Binance's borrowing of RWUSD officially enters the RWA track, and there may be more “real assets” on-chain in the future. If you don't want to be left behind, at least you should understand it.
