Binance has introduced RWUSD, a principal-protected yield product offering investors up to 4.2% Annual Percentage Rate (APR).
RWUSD positions itself as distinct from stablecoins or securities, being a non-tradable, non-transferable asset instead. It allows users to redeem their holdings on a 1:1 basis for USDC, with options for instant or processing within three business days. Daily rewards are automatically distributed to users’ Binance Spot Accounts.
Beyond yield generation, RWUSD offers utility within the Binance ecosystem by serving as eligible collateral for Binance VIP Loans. This enables users to access liquidity against their RWUSD holdings while continuing to earn the associated yield.
The yield generated by RWUSD benchmarks against returns from real-world assets (RWAs), specifically tokenized U.S. Treasury bills. Binance highlighted this linkage as promoting greater integration of traditional financial assets into the cryptocurrency space. To accommodate high-volume participation, the platform supports RWUSD subscriptions of up to $5 million without imposing tiered rate reductions.