In addition, this is not without pits, the current 4.2% can be given because the interest rate of short-term U.S. bonds is about 4.2%, but if the U.S. monetary policy enters a state of easing, then theoretically the income of RWUSD will decrease.
So for U.S. Treasury-based income, it should be the happiest period at present, this year is not bad, it is estimated that it will fall below 4% at the end of the year, there is a high probability that it will be around 2-3% in 2026, and it will be less than 2% in 2027.
However, for this year, it is indeed not a good choice, especially the maximum limit of $5 million per person, which is more convenient than buying U.S. bonds directly, and the money Binance makes is a T+3 fee of 5/10,000 and a T+0 early redemption fee of 1/1000, which is equivalent to pure arbitrage, but for more than 99% of retail investors, it is a good deal.
US Treasury yields have finally gone online, and you can directly use USDT to purchase RWUSD. The yield of about 1 million dollars is a monthly return of 3,452 dollars, which can be exchanged for USDC and redeemed at any time. This is truly earning interest, and it can already compete with Coinbase's USDC interest, plus it has very high stability.
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