Binance's three major financial products launched together: How to interpret its latest product matrix

In the wave of Crypto Assets, more and more exchanges have launched crypto financial products. As a leader in the crypto industry, Binance is always committed to optimizing its product matrix, taking into account customer needs. Recently, it launched a series of high-quality financial products, particularly the RWUSD, USDC, and Plasma USDT, which stand out. This article will first provide a brief introduction to these three financial products and then analyze the significance of Binance launching these financial products.

1. Binance Financial Products: RWUSD, USDC, Plasma USDT Overview

**1. RWUSD——**tied to real-world assets

On July 28, 2025, Binance announced the launch of RWUSD on its Binance Wealth Management platform. The biggest highlight of RWUSD is that its yield is based on the returns of real-world assets (RWA), such as tokenized U.S. Treasury bonds. RWUSD distributes yields daily, which come from the income generated by the Binance ecosystem and RWAs (such as tokenized U.S. Treasury bonds).

Users holding RWUSD can enjoy an annualized yield of up to 4.2%, with a maximum subscription of 5 million USD and no subscription fees. Upon redemption, regardless of whether the initial subscription was in USDC or USDT, RWUSD will be exchanged for USDC at a 1:1 ratio. Users can choose between fast redemption or standard redemption, with corresponding fees applied during the redemption process. RWUSD aims to provide investors with relatively stable returns, maintaining stable performance whether the market rises or falls.

**2. USDC——**High Yield, Low Risk

On August 11, 2025, the Binance wealth management platform launched a simple USDC flexible wealth management product, with the event duration from August 11, 2025, 00:00 ( UTC) to September 9, 2025, 23:59 ( UTC). When the investment amount is ≤100,000 USDC, investors can enjoy an interest rate of up to 12% (including a 10% reward tiered annual interest rate and approximately 2% real-time annual interest rate); for an investment amount > 100,000 USDC, a real-time annual interest rate of 2% applies. Each user has a minimum limit of 0.1 USDC and a maximum limit of 300 million USDC.

The USDC simple wealth management flexible product allows investors to subscribe and redeem at any time, offering extremely high liquidity. Moreover, the product itself is capital-protected, so users only need to consider exchange rate issues, bringing real benefits to users through a high-yield, low-risk wealth management model.

3. Plasma USDT——EarnUSDT**,**XPL

On August 20, 2025, the Binance chain revenue platform launched the Plasma USDT lock-up product, which is available for a limited time and has a quota limit. Users can subscribe with USDT to earn USDT rewards from the Plasma protocol and XPL airdrop rewards (obtained after the XPL token generation event). The USDT rewards will be distributed daily to the user's spot account; the XPL reward pool is shared by all USDT subscriptions.

The first subscription activity was enthusiastically sought after by users, with a total subscription amount of 250,000,000 USDT being sold out within just one hour after the activity opened. On August 22, Binance continued to launch the second phase of the Plasma USDT locking product - with a quota of 250,000,000 USDT, which was fully subscribed within minutes; on August 26, Binance opened the on-chain yield Plasma USDT locking product's final quota for the third batch, with a subscription limit of 500,000,000 USDT.

2. The Significance of Binance Launching Three Major Financial Products

**1.**Insight into user investment pain points, meeting diverse investment needs

Whether traditional financial market investors or crypto assets market investors, they always face issues such as high risk, liquidity of funds, and stability of returns. Based on insights into the pain points of user investments, Binance has launched three major financial products, striving to meet the investment needs of users at different levels to the greatest extent.

For conservative investors, the high volatility of the crypto market cannot meet their investment demand for "capital preservation." In response to this, Binance has launched RWUSD with an annualized rate of 4.2%—based on the yield of real-world assets (RWA), allowing investors to avoid worrying about the wild fluctuations of the crypto market. While preserving capital, they can not only obtain interest rates significantly higher than traditional bank deposits but also quickly redeem their assets for a better investment experience.

For conservative investors, how to balance stability and liquidity is a pain point that needs to be addressed. The USDC Easy Wealth Management Current Product launched by Binance can achieve a good balance between the two. On one hand, USDC is a dollar stablecoin, which is basically pegged to the US dollar at a 1:1 ratio, making it a very stable "safe asset"; on the other hand, during the promotional period, users who subscribe for less than 100,000 USDC can enjoy an interest rate of up to 12%. After the promotion ends, users can flexibly allocate their assets and redeem them immediately upon discovering investment opportunities. Even when managing wealth conservatively through USDC, the normal yield rate is still higher than many traditional investment products.

For high-risk tolerant investors, it is more suitable to earn USDT and XPL airdrops through the Plasma USDT lock-up product. USDT can preserve capital, and the XPL airdrop can bring more potential value to users, while satisfying the dual pursuit of high risk and high returns both now and in the future.

Binance's three major financial products are not a random move, but rather a carefully crafted product matrix that is based on an in-depth understanding of users' real needs. It comprehensively covers the investment needs of conservative, moderate, and high-risk preference investors, allowing all users to allocate investment products suitable for themselves. "Starting from the user's perspective and creating products that satisfy users" is also the fundamental reason why Binance has been able to attract a large and highly engaged user base for eight consecutive years.

2. Build a bridge between traditional finance and Crypto Assets, promoting the integration of various ecosystems

As the encryption ecosystem continues to improve and traditional finance gradually enters the market, the gap between traditional finance and encryption is gradually closing. However, for ordinary investors, how to enjoy the dividends brought by the combination of the two is a question that practitioners in the encryption industry need to consider. The RWUSD launched by Binance is a highly innovative attempt.

RWUSD takes U.S. Treasury bond yields as its foundation, combining the "low-risk returns" of traditional finance with the "high convenience and high efficiency" of crypto finance. Users can share U.S. Treasury bond yields even if they only invest 0.1U. This maximally assists crypto users in accessing high-quality assets in the traditional financial world in the most convenient way, and also opens up a new channel for traditional assets to enter the crypto industry.

The activities of USDC financial products are even more intriguing. At the end of 2024, Circle signed a promotion agreement with Binance to launch a two-year marketing campaign, during which Binance would keep a certain amount of USDC in its treasury. Some market analysts believe that Circle's move is aimed at boosting the issuance of USDC to prepare for a smooth IPO. Just six months later, on June 5, Circle welcomed a historic moment - it was listed on the New York Stock Exchange.

Binance's massive user base of 287 million provides a vast development space for USDC, offering considerable market liquidity for USDC in terms of trading pairs and asset storage. Moreover, through Binance's USDC-related activities, a large amount of USDC is held and circulated within the Binance ecosystem, creating a complementary pattern where you have me and I have you.

Plasma is a brand new blockchain designed specifically for stablecoins, centered around USDT. Although USDT is the core of Plasma, it does not limit the use of other stablecoins. It plans to integrate well-known DeFi protocols such as Aave, Maker, Curve, and Ethena from the very beginning of its launch. Plasma combines compatibility with the Ethereum Virtual Machine (EVM), providing technical support for the circulation of USDT across different public chains. Users can efficiently circulate USDT between Plasma, Ethereum, and BSC, and it has been highly anticipated in the industry since its launch. As the stablecoin space continues to heat up, the future of Plasma is limitless.

Binance's Plasma USDT locking product not only breaks down the circulation barriers for users between different mainstream public chains, but also, with unique insight, helps users obtain XPL airdrops in advance, assisting them in locking in the future value of Plasma.

3. Conclusion

From the three major financial products recently launched by Binance, it is not difficult to see their layout strategy: deeply exploring the investment pain points of crypto users to meet the investment needs of different users; becoming a bridge connecting traditional finance and crypto finance, eliminating the sense of disconnection between the two, allowing crypto users to enjoy the stable returns brought by traditional finance; attempting to break down the barriers between different crypto ecosystems and promote the broad integration of the crypto ecosystem.

As a leading exchange that attracts widespread attention, Binance injects vitality into the development of the crypto industry with practical actions, provides more investment opportunities for ordinary investors, and creates more potential value for ecosystem builders.