另外说说这不是没有坑的,目前能给 4.2% 是因为短期美债的利率是4.2% 左右,但如果美国的货币政策进入到了宽松状态,那么理论上 RWUSD 的收益是会递减的,当然目前主要装的是短期美债,如果以后可以装别的那就是另一回事了。 所以对于基于美债的收益来说,目前应该是最开心的一段时间,今年都还算好,年底估计就会跌破 4% ,2026年大概率就会在 2-3% 左右,2027年大概率就是低于 2% 了。 不过对于今年来说,确实不是一个不错的选择,尤其是每个人最高上限 500万美元,比直接买美债要方便,而 Binance 赚的钱就是 万分之五的 T+3 手续费,以及千分之一的 T+0 提前赎回费,相当于纯套利,但对于超过99%的散户来说,都是划算的。
美债收益终于还是上线了,可以直接用 USDT 购买 RWUSD ,大概100万美元的收益是 3,452 美元的月收益,兑换成 USDC ,可以随时兑换。算是真正的生息,已经可以媲美 Coinbase 的 USDC 生息了,而且稳定性很高。
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