Recently, a good stable income opportunity has been found on the Sui chain. TopNod Wallet, in partnership with Sui Foundation, Bluefin, and R25, has launched an RWA Vault financial product with a maximum annualized return of up to 14%. This is quite attractive for those holding idle USDC funds.

The earnings are divided into two parts. The basic return is about 8%, derived from market interest and subsidies from the Sui ecosystem. If you deposit through TopNod Wallet, you can also receive additional wallet bonuses—an extra 6% interest for the first 3 months, followed by a 4% increase for the next 9 months. The bonus interest is paid directly to your wallet in USDC every Thursday, with a T+4 business day settlement for fund withdrawals.

Currently, the product has a limit of 7 million USDC. The previous allocation of 2 million USDC on another platform(ember) was quickly filled. Although the underlying yield structure is the same, the additional subsidies offered by TopNod Wallet are indeed more competitive.

Speaking of TopNod Wallet itself, it adopts a fusion approach of RWA + crypto. The user experience is quite restrained—registering only requires an email, Google, or Apple ID, setting a PIN code is all it takes, and there's no need to remember seed phrases. It uses a private key sharding technology behind the scenes, ensuring full control over your assets while supporting easy account recovery and device switching like a regular app. In simple terms, it combines the user-friendliness of Web2 with the self-custody features of Web3.